After you've contacted us in step 6 above, we'll check that you're listed on the US Direct Loans system against the Essex school code and check your eligibility for funding. We'll then produce a Cost of Attendance (COA) for your studies. This lists your likely expenses for the year and includes:
- Tuition Fees
- Visa and NHS Health Surcharge (for new students as this is paid at the start of your course)
- Room and board
- Books and supplies
- Transportation (local and international)
- Personal expenses such as clothing, toiletries and recreation
- Loan fees
If you have childcare costs or disability related costs please get in touch as we may be able to include these in your Cost of Attendance calculation.
Our Cost of Attendance Calculation is based on the assumption that Loughton students are in private housing, and Colchester and Southend students are in University owned accommodation. If this is not the case for you, please let us know and we can amend the calculation.
When calculating the Cost of Attendance, we use your actual cost for tuition fees and loan fees, and the average costs which we expect a student to need based on the length of your course, and which campus you are at. Our costs are generally based on responses from the Save the Student Survey 2023 where Essex students told us what they actually spend, or average expected costs where more appropriate. The Cost of Attendance is reviewed annually and there may be changes each year.
Some students may spend more or less depending on lifestyle and accommodation choices.
Please see further information on our Cost of Living pages.
The total shown on your COA is the maximum amount you can borrow. When we send it, we'll ask you to confirm how much you'd like to borrow. You can borrow any amount up to the COA total. If you borrow less than your Cost of Attendance, it is your responsibility to ensure that you have sufficient funds to cover your tuition fees and living expenses.
You may feel that the maximum amount on your COA won't cover your expected expenses for the year. For example, you may know that you'll need to undertake additional travel for your course. If this is the case, you should contact us and provide details of expected additional expenses, and we may be able to increase the total offered.
When deciding how much to borrow, you may want to check the current interest rates on US Direct Loans.