UMass Lowell Courses and Fees 2026

UMass Lowell fees for Indian students in the 2026/27 academic year run at USD 42,077 (INR 40.15 Lakhs) tuition and fees for a full-time international undergraduate and USD 34,717 (INR 33.13 Lakhs) for a full-time international graduate on nine credits per semester, both quoted at the international rate that already includes the International Fee and Health Insurance. The three programmes Indian applicants queue up for most are the MS in Computer Science, the Manning MBA and the MS in Engineering Management, all priced off the same graduate out-of-state credit rate of USD 1,625 (INR 1.55 Lakhs) per credit.

The realistic entry point right now is the Fall 2027 intake because the Fall 2026 semester begins inside the visa-processing window and cannot be reached by anyone still applying from India. Priority scholarship review for Fall 2027 closes on 15 January 2027, and that single date sets the plan.

• Undergraduate international total tuition and fees: USD 42,077 (INR 40.15 Lakhs) per year on the 2026/27 rate
• Graduate international total tuition and fees: USD 34,717 (INR 33.13 Lakhs) per year at nine credits per semester
• Graduate out-of-state per-credit rate: USD 1,625 (INR 1.55 Lakhs)
• Undergraduate Out-of-State and International Scholarship: USD 8,000 to USD 20,000 (INR 7.63 to 19.08 Lakhs) per year, automatic on admission
• Graduate International Excellence Scholarship: up to USD 20,000 (INR 19.08 Lakhs) across four semesters (USD 25,000, INR 23.86 Lakhs, for MPH)

The two-year MS total lands near INR 1.04 Crore all-in, dropping to roughly INR 85 Lakhs if the full Excellence Scholarship applies. A four-year BS on-campus lands near INR 2.27 Crore before scholarships.

Exchange rate used across this article: 1 USD = INR 95.42 (xe.com, 12 August 2026 IST).

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UMass Lowell Tuition Fees by Programme

UMass Lowell uses one out-of-state tuition rate for every undergraduate major and one per-credit rate for every graduate programme, so the fee that separates one Indian applicant’s bill from another’s is the credit load, the college-specific fee (Nursing, Engineering labs) and whether the student lives on campus.

UMass Lowell Undergraduate Fees for International Students: 2026/27

The international undergraduate on-campus package at UMass Lowell for 2026/27 totals USD 59,559 (INR 56.83 Lakhs) per year, of which USD 42,077 (INR 40.15 Lakhs) is tuition plus mandatory fees and USD 17,482 (INR 16.68 Lakhs) is standard housing and food.

Source: UMass Lowell Solution Center, Undergraduate Tuition and Fees 2026-2027, fetched 12 August 2026 IST from uml.edu.

The popular BS programmes Indian applicants target are Computer Science under the Miner School, Mechanical Engineering, Business Administration under the Manning School, and Public Health under the Zuckerberg College of Health Sciences, all billed at the same USD 36,610 (INR 34.93 Lakhs) international tuition. Nursing carries an additional Solomont School fee of roughly USD 2,100 (INR 2.00 Lakhs) per year and specific engineering labs add USD 350 to USD 800 (INR 33,398 to INR 76,337) per year in course fees.

UMass Lowell Graduate Fees for International Students: 2026/27

The international graduate rate at UMass Lowell for 2026/27 is USD 1,625 (INR 1.55 Lakhs) per credit for out-of-state students, and a full-time Indian graduate on nine credits per semester pays USD 34,717 (INR 33.13 Lakhs) in tuition and fees per year once the International Fee and Health Insurance are added in.

Source: UMass Lowell International Students and Scholars Office, Graduate Estimate of Expenses 2026-2027, fetched 12 August 2026 IST from uml.edu/isso, cross-checked against the Solution Center out-of-state per-credit rate.

The most-applied Masters for Indian students are MS Computer Science at the Miner School, MS Information Technology, MS Data Science, MS Business Analytics under Manning, the Manning MBA, MS Engineering Management, MS Biomedical Engineering and the Master of Public Health. Each shares the USD 1,625 (INR 1.55 Lakhs) per credit international rate, so a 30-credit MS totals USD 48,750 (INR 46.52 Lakhs) in tuition alone and the 42-credit MPH totals USD 68,250 (INR 65.13 Lakhs).

UMass Lowell Fee Trend by Year

UMass Lowell out-of-state undergraduate tuition and basic fees moved from USD 34,550 (INR 32.97 Lakhs) in 2022/23 to USD 37,460 (INR 35.74 Lakhs) in 2026/27, an 8.4 percent rise across four years or roughly 2 percent compounded annually, well below the private-US-university trend of 4 to 5 percent per year.

Source: UMass Lowell Solution Center for the 2026/27 anchor, fetched 12 August 2026 IST from uml.edu; historical 2022/23 and 2024/25 figures from third-party institutional trackers, verified against the WBUR April 2022 reporting on UMass tuition changes. The intermediate 2023/24 and 2025/26 years are not linked to a fetchable UMass Lowell archive page and are therefore omitted rather than interpolated.

Graduate out-of-state tuition follows an almost identical curve: USD 29,118 (INR 27.79 Lakhs) in 2024/25 to USD 29,250 (INR 27.91 Lakhs) in 2026/27 on the per-credit rate, a barely-there rise driven by two years of Board of Trustees decisions holding the line while the state subsidy expanded. The pattern matters for planning because an Indian applicant admitted for Fall 2027 is contractually billed at the 2027/28 rate, not the 2026/27 rate quoted on the website today.

Cost of Living in Lowell for UMass Lowell Indian Students

Living costs in Lowell, Massachusetts run an Indian graduate student around USD 1,660 (INR 1.58 Lakhs) per month off campus for the 12 months UMass Lowell requires the ISSO estimate to cover, which totals USD 19,942 (INR 19.03 Lakhs) per year for room, board, books and personal expenses. On-campus housing plus the standard meal plan runs USD 17,482 (INR 16.68 Lakhs) for the 10-month academic year.

Sources: UMass Lowell ISSO Graduate Estimate of Expenses for the anchor total, fetched 12 August 2026 IST from uml.edu/isso; category breakdown cross-referenced with livingcost.org for Lowell, MA for the March 2026 city-level averages.

Off-campus rent in Lowell is 30 to 40 percent cheaper than Boston or Cambridge, which is the single biggest reason the total cost of attendance at UMass Lowell undercuts Northeastern, BU or Tufts by USD 15,000 to USD 25,000 (INR 14.31 to 23.86 Lakhs) per year for the same international student profile.

Total Cost of Studying at UMass Lowell

An Indian graduate student’s Year 1 all-in at UMass Lowell for the Fall 2027 intake lands at USD 54,659 (INR 52.16 Lakhs) on the ISSO documentation basis, and a full two-year MS totals close to USD 109,318 (INR 1.04 Crore) before scholarship offsets.

SEVIS I-901 fee for F-1 is USD 350 (INR 33,398) and the DS-160 visa application fee is USD 185 (INR 17,653), both one-time and both required before the visa interview at the US Consulate. Sources: UMass Lowell Solution Center and ISSO pages fetched 12 August 2026 IST; SEVIS and DS-160 amounts from the US Department of State fee schedule.

Across the full four years, an on-campus UG bill totals roughly USD 238,236 (INR 2.27 Crore) before any scholarship offset; a two-year Masters totals USD 109,318 (INR 1.04 Crore) all-in. A INR 60 Lakh education loan against the MS total at 10.5 percent for 10 years carries an EMI of about INR 81,000 per month, which sits well inside the take-home from a US entry-level tech salary post-graduation.

UMass Lowell Scholarships for Indian Students

UMass Lowell’s international-eligible awards break into two clean groups: the automatic UG merit scholarships that get folded into the admission letter for Fall 2027, and the graduate Excellence Scholarship that needs the application in by 15 January 2027. External Indian awards run on their own calendars that align well with the Fall 2027 offer window.

UMass Lowell Institutional Scholarships for International Students

Source: UMass Lowell Solution Center Financial Aid, Graduate Admissions Costs and Aid, and ISSO Scholarship Opportunities pages, all fetched 12 August 2026 IST from uml.edu/thesolutioncenter and uml.edu/grad.

External Indian Scholarships That Fund UMass Lowell

External Indian awards apply on top of the UMass Lowell offer and Indian students at UMass Lowell have historically stacked one internal plus one external successfully.

All external Indian scholarships must be applied to directly on each foundation’s own portal; UMass Lowell only issues the admission letter and the financial-need certificate you attach to the application.

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UMass Lowell Tuition Deposit and Payment Options

The international enrolment deposit at UMass Lowell is USD 500 (INR 47,710) for graduate applicants and USD 500 (INR 47,710) for international undergraduates. The deposit is non-refundable, credits toward the first-semester tuition bill, and unlocks the I-20 (the Form I-20 is the SEVP-issued document needed to book an F-1 visa slot at the US Consulate).

Methods of Payment

• Flywire from Peer Transfer: UMass Lowell’s designated international payment provider; INR-denominated, locked rate, USD 35 (INR 3,340) per-semester application fee, zero UMass Lowell transaction fee.
• Bank wire transfer: SWIFT to Bank of America (UMass Lowell’s operating bank) works but costs 2 to 3 percent in FX margin plus your bank’s SWIFT fee (typically INR 1,500 to 3,000).
• Forex card: Loaded in USD before travel; useful for small-ticket instalments, deposits and living expenses but usually capped at USD 10,000 (INR 9.54 Lakhs) per card by RBI’s Liberalised Remittance Scheme.
• Education loan disbursement: Direct-to-university transfer from HDFC Credila, SBI, Avanse, Axis or ICICI, which are the most-used lenders for UMass Lowell F-1 files.

Steps to Pay UMass Lowell Tuition for International Students

1. Accept your offer inside the UMass Lowell Admissions Application Status portal.
2. Pay the USD 500 (INR 47,710) international enrolment deposit through the same portal to open the I-20 request queue.
3. Submit the Visa Document Request E-Form plus a passport identity page scan; the I-20 is emailed within five to ten business days.
4. Pay the SEVIS I-901 fee of USD 350 (INR 33,398), book the DS-160 payment of USD 185 (INR 17,653), then schedule the F-1 visa slot.
5. Once the visa is stamped, pay the first-semester tuition balance through Flywire on the instalment schedule (registration cutoff dates in early August for Fall and early January for Spring) and archive every receipt for the visa file and for RBI’s LRS declaration.

Source: UMass Lowell Graduate Enrollment Deposit page and Solution Center Bill Payment Options, fetched 12 August 2026 IST from uml.edu/grad and uml.edu/thesolutioncenter.

Hidden Costs of Studying at UMass Lowell

Six hidden costs sit outside the UMass Lowell tuition bill for the Fall 2027 intake and every Indian student underestimates at least one of them.

• SEVIS I-901 fee: USD 350 (INR 33,398), paid to SEVP before the F-1 visa interview.
• DS-160 F-1 visa application fee: USD 185 (INR 17,653), paid to the US Department of State.
• IELTS or TOEFL retake: INR 17,000 for IELTS Academic in India, budget one retake if the first score is under the programme cut-off (typically 6.5 IELTS or 79 TOEFL iBT for Masters).
• Initial arrival setup: USD 800 to 1,200 (INR 76,337 to INR 1.15 Lakhs) for the first month’s rent deposit, bedding, kitchenware, an unlocked US SIM, and a Costco or Market Basket first-shop.
• Winter clothing (Massachusetts winter is real): USD 400 to 600 (INR 38,169 to INR 57,253) for a down jacket, boots, thermals and gloves, best bought in Lowell during Black Friday rather than pre-flight in India.
• Health copays and dental: The mandatory USD 3,617 (INR 3.45 Lakhs) Blue Cross plan covers most acute care but dental cleaning at USD 150 (INR 14,313) and any prescription copay sits on top.

Budget approximately INR 3 to 4 Lakhs for first-year hidden costs on top of the ISSO estimate.

Fee Saving Strategies for UMass Lowell Indian Students

The highest-value saving lever for the Fall 2027 intake is landing the Graduate International Excellence Scholarship on time; miss the 15 January 2027 priority date and up to INR 19.08 Lakhs walks off the table.

• Land the Excellence Scholarship on time: Submit the Fall 2027 Masters application before 15 January 2027; this alone is worth up to USD 20,000 (INR 19.08 Lakhs) or USD 25,000 (INR 23.86 Lakhs) for MPH across the full programme.
• Live off campus with one roommate: A Lowell shared apartment at USD 900 (INR 85,879) per person per month undercuts on-campus housing plus meal plan by roughly USD 4,000 (INR 3.82 Lakhs) across a 10-month year.
• Use on-campus assistantships: Graduate Teaching Assistant and Research Assistant positions carry partial tuition waivers plus a monthly stipend and are open to F-1 students on 20 hours per week during term.
• Claim Section 80E interest deduction: Interest paid on your Indian education loan for up to 8 years is fully deductible under Section 80E of the Income Tax Act (Chapter VI-A), which cuts your Indian taxable income once you start repaying.
• Stack STEM OPT for the payback: Graduates of UMass Lowell’s STEM-designated programmes (MS CS, MS Data Science, MS Engineering, MS Biomedical Engineering) qualify for 12 months of post-completion Optional Practical Training plus a 24-month STEM extension, giving three years of US-earning runway to service the loan.

Is UMass Lowell Worth the Cost for Indian Students

A two-year MS at UMass Lowell costs INR 1.04 Crore all-in and can drop to INR 65 to 75 Lakhs after a stacked scholarship, against a Boston-area entry-level tech salary that starts at USD 85,000 to USD 105,000 (INR 81.11 to INR 100.19 Lakhs) per year for MS Computer Science graduates and USD 75,000 to USD 90,000 (INR 71.57 to INR 85.88 Lakhs) for MBA and MS Engineering Management graduates. That salary-to-cost ratio is the reason UMass Lowell placed roughly 310 Indian students at the last count.

The other three levers that matter for the value verdict:

• Co-op access: UMass Lowell’s Career and Co-op Center partners with over 700 employers, giving Masters and undergraduate students paid work-integrated placements that offset tuition during the programme, not just after it.
• STEM OPT: Three years of legal US employment post-graduation for STEM Masters (12 months OPT plus 24-month STEM extension), which is the current F-1 rule in force on the generation date, giving enough runway to fully retire a INR 60 Lakh education loan on a Boston-area salary.
• Boston-area cluster: Physical proximity to Cambridge, Waltham, Kendall Square and the Route 128 corridor means Amazon, Raytheon, MITRE, iRobot, Wayfair and hundreds of biotech and defence employers recruit on campus at rates a rural US regional university cannot match.

On an EMI-versus-salary test, a INR 60 Lakh loan at 10.5 percent for 10 years costs INR 81,000 per month; on an entry-level Boston tech monthly take-home of roughly USD 5,000 to USD 6,500 (INR 4.77 to INR 6.20 Lakhs), the EMI is under 20 percent of net pay, comfortably inside the safe range.

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