Cost & Filling The Gap

Parents

Your financial aid may not cover all the expenses that you may incur while attending classes. The following information is designed to assist you in determining the amount of funding you may need to cover these "out of pocket" costs and the available options to cover the expenses or "filling the gap."

Your budget is made up of two parts: direct costs that are paid to the University and indirect costs that are not paid directly to the University but you may incur during the enrollment period. Indirect cost items may vary depending on your individual situation.

Estimated Undergraduate Cost of Attendance 2019-2020*Based On Full Time Enrollment/On-Campus Housing

DIRECT COSTS	New York Resident	Out of State Resident
Tuition	$7,070	$25,522
Fees**	$2,842	$2,842
Room***	$9,000	$9,000
Meal Plan***	$5,196	$5,196
Total Direct Cost	$24,108	$42,560

INDIRECT COSTS	New York Resident	Out of State Resident
Books	$900	$900
Transportation	$500	$500
Personal	$1,368	$1,368
Total Indirect Cost	$2,768	$2,768
ESTIMATED COST	$26,876	$45,328

*These estimated costs are effective 03/18/2019. All charges are subject to change following regulations from the state of New York, the State University of New York, and Stony Brook University. Please visit the Bursar/Student Accounts Website for actual charges.

**Fees include: College Fee, Health Services Fee, Intercollegiate Athletic Fee, Recreation Center/Fields Fee, Technology Fee, Academic Excellence & Success Fee and Transportation Fee.

***Costs may vary depending on meal plan and housing options selected. Double dorm room and Unlimited Meal Plan were used to calculate above meal and housing plans. All resident first year students are charged an additional fee for required opening weekend meals. All resident transfer students are charged an additional fee for opening weekend lunches.

Full time students who do not have their own health insurance are required to purchase health insurance through the University.

The following methods are available to "filling the gap" between your college expenses and your financial aid awards:

You may pay the balance due in full each term. Payments can be made by cash, check, money order, or major credit card. To make a payment with a credit card, login to the SOLAR System and click on “Account Summary/What Do I Owe?”. Additional billing information is available on the Bursar/Student Accounts website.
You may pay the balance due in installments by signing up for the University's Time Option Payment Plan (TOPP).
Parents of dependent undergraduate students may borrow a Federal Direct Parent PLUS Loan by submitting a "Federal Direct Parent PLUS Loan Request Form" to the financial aid department. Visit the Federal Direct Parent PLUS Loan information link for further information.
Students can apply for a private educational loan. For further information, visit the Private Educational Loan page.

HOW DO I CALCULATE MY GAP?

Utilize one of the calculators below to determine your "gap" between your financial aid award package and anticipated charges as either a NYS Resident or Out of State student. These calculators will allow you to see the difference in cost between residing on-campus, off-campus, or commuting from a family residence.

NYS RESIDENT STUDENT GAP CALCULATOR

This calculator should be used by New York State Residents who currently do not have any charges posted on SOLAR.

OUT OF STATE STUDENT GAP CALCULATOR

This calculator should be used by Out of State students who currently do not have any charges posted on SOLAR.

ON-CAMPUS STUDENT GAP CALCULATOR

This calculator should be used by students who have their charges posted on SOLAR and anticipate living on-campus.

OFF-CAMPUS STUDENT GAP CALCULATOR

This calculator should be used by students who have their charges posted on SOLAR and anticipate living off-campus.

COMMUTER STUDENT GAP CALCULATOR

This calculator should be used by students who have their charges posted on SOLAR and anticipate commuting from a family residence.