Cost of attendance: MD program
Students should review the COA chart for each program and determine if the estimated expenses can be minimized in any way. If you need the full amounts listed for each expense item, then you will need financial assistance up to the total COA. However, living expenses are estimated and students may set an individual budget that is less than the total cost of attendance, thereby minimizing the amount needed to borrow. If needed, the financial aid office is available for budgeting assistance. See COA for more information on estimated living expenses according to your year of enrollment.
Budgets vary according to length of enrollment period and MD program year (example: MD1 period of enrollment is longer than MD2 period of enrollment and therefore has different living expense budgets).
Although a student’s non-tuition/fees costs vary considerably according to individual means, lifestyle choices and budgeting skills, federal aid regulations mandate that financial aid offices develop annual COA budgets that define and limit expenses eligible for financial aid funding. The COA budget provides for a modest but feasible student lifestyle in northeastern Pennsylvania.
The individual student budget components are described in the COA section of the Financial Aid Guidebook. Chapters 5 and 8 of the guidebook provide more detailed information on tuition and fees and COA. Living expenses listed are for independent graduate students not living with their parents. Living expenses will be less for students living with parents.
2025 — 2026
2025 – 2026 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2025 – 2026 academic year until June 30, 2025, and are subject to change.
First year (9.5 months) 39 weeks
Class of 2029
PA resident
Educational expenses
Tuition: $62,722
Student services fee: $910
Technology fee: $1,812
Books/medical equipment: $3,500
Estimated health insurance: $5,000
USMLE: $0
Disability insurance: $50
Living expenses
Housing (rent/utilities): $10,827
Food: $4,640
Miscellaneous: $10,025
Transportation: $3,151
Loan origination fee: $3,000
Subtotal educational expenses: $73,994
Subtotal living expenses: $31,643
Total budget: $105,637
2025 – 2026 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2025 – 2026 academic year until June 30, 2025, and are subject to change.
First year (9.5 months) 39 weeks
Class of 2029
Non-resident
Educational expenses
Tuition: $69,675
Student services fee: $910
Technology fee: $1,812
Books/medical equipment: $3,500
Estimated health insurance: $5,000
USMLE: $0
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $10,827
Food: $4,640
Miscellaneous: $10,025
Transportation: $3,151
Subtotal educational expenses: $80,948
Subtotal living expenses: $31,643
Total budget: $112,591
2025 – 2026 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2025 – 2026 academic year until June 30, 2025, and are subject to change.
Second year (10 months)
Class of 2028
PA resident
Educational expenses
Tuition: $62,722
Student services fee: $910
Technology fee: $1,124
Books/medical equipment: $1,500
Estimated health insurance: $5,000
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $11,397
Food: $4,884
Miscellaneous: $10,553
Transportation: $3,317
Loan origination fee: $3,000
Subtotal educational expenses: $71,306
Subtotal living expenses: $33,150
Total budget: $104,456
2025 – 2026 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2025 – 2026 academic year until June 30, 2025, and are subject to change.
Second year (10 months)
Class of 2028
Non-resident
Educational expenses
Tuition: $69,676
Student services fee: $910
Technology fee: $1,124
Books/medical equipment: $1,500
Estimated health insurance: $5,000
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $11,397
Food: $4,884
Miscellaneous: $10,553
Transportation: $3,317
Loan origination fee: $3,000
Subtotal educational expenses: $78,260
Subtotal living expenses: $33,150
Total budget: $111,410
2025 – 2026 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2025 – 2026 academic year until June 30, 2025, and are subject to change.
Third year (11 months)
Class of 2027
PA resident
Educational expenses
Tuition: $62,722
Student services fee: $910
Technology fee: $1,124
General fee: $400
Books/medical equipment: $3,200
Estimated health insurance: $5,000
USMLE: $1,360
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $13,663
Food: $5,856
Miscellaneous: $12,651
Transportation: $3,976
Loan origination fee: $3,000
Subtotal educational expenses: $74,766
Subtotal living expenses: $39,146
Total budget: $113,912
2025 – 2026 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2025 – 2026 academic year until June 30, 2025, and are subject to change.
Third year (11 months)
Class of 2027
Non-resident
Educational expenses
Tuition: $69,676
Student services fee: $910
Technology fee: $1,124
General fee: $400
Books/medical equipment: $3,200
Estimated health insurance: $5,000
USMLE: $1,360
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $13,663
Food: $5,856
Miscellaneous: $12,651
Transportation: $3,976
Subtotal educational expenses: $81,720
Subtotal living expenses: $39,146
Total budget: $120,866
2025 – 2026
Direct cost: Tuition and fees (educational expenses)
Direct billable costs are those costs for which you will receive in an invoice from Geisinger Commonwealth School of Medicine (GCSOM). Tuition and fees are always direct billable costs.
Tuition for a research elective is charged on a per credit basis for the 2025 – 2026 academic year. The cost per credit is $276. Below are the other required program educational fees:
- Student technology fee: $562 ($281 per semester)
- Estimated health insurance fee: $5,000 ($2,500 per semester)
- Disability fee: $50
Indirect cost: Living expenses (non-educational expenses)
Indirect costs are costs you can incur while attending GCSOM, but not paid to GCSOM. Examples of indirect costs include books and supplies, transportation, personal expenses and off-campus living expenses.
Indirect costs are prorated according to the length of the student’s program and are listed below, per semester:
- Housing (rent/utilities): $11,397
- Food: $4,884
- Miscellaneous: $10,553
- Transportation: $3,317
- Loan origination fee: $3,000
If you do not need to borrow one or more of the indirect living expense resources listed above, you can reduce your student loan on Empower Web when accepting your financial aid award package.
Total living expenses: $33,150
Total budget: $41,793
2025 – 2026 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2025 – 2026 academic year until June 30, 2025, and are subject to change.
Fourth year (10 months)
Class of 2026
PA resident
Educational expenses
Tuition: $62,722
Student services fee: $910
Technology fee: $1,124
Graduation fee: $235
Books/medical equipment: $1,700
Estimated health insurance: $5,000
Living expenses
Housing (rent/utilities): $11,397
Food: $4,884
Miscellaneous: $10,553
Transportation: $3,317
Loan origination fee: $3,000
Subtotal educational expenses: $71,741
Subtotal living expenses: $33,150
Total budget: $104,891
2025 – 2026 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2025 – 2026 academic year until June 30, 2025, and are subject to change.
Fourth year (10 months)
Class of 2026
Non-resident
Educational expenses
Tuition: $69,676
Student Service Fee: $910
Technology fee: $1,124
Graduation fee: $235
Books/medical equipment: $1,700
Estimated health insurance: $5,000
Living expenses
Housing (rent/utilities): $11,397
Food: $4,884
Miscellaneous: $10,553
Transportation: $3,317
Loan origination fee: $3,000
Subtotal educational expenses: $78,695
Subtotal living expenses: $33,150
Total budget: $111,845