Every figure is for a student starting in fall 2027. We work each one out again whenever we update the site.
Paying for college in Massachusetts
What the state and its colleges give families, who gets it, and how to apply. See every Massachusetts college priced for your income
From the state
Across state lines
From the colleges
Pay less for college
A SmartTuition plan shows what to pay from where, each semester.
In our Massachusetts scenarios, with good parent credit, a SmartTuition plan saves a median of about $6,600 over four years. How we worked this out ↓
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From the state
Massachusetts's programs. Most come through the FAFSA or the state's own aid application; a few have their own.
MASSGrant
A need-based grant for Massachusetts residents at Massachusetts colleges, public and private. A student must show financial need for tuition and fees after the Student Aid Index and other grants.
Source: Massachusetts Department of Higher Education, Office of Student Financial Assistance
“The MASSGrant program is funded by the state Legislature and provides need-based financial assistance to undergraduate students”
“Must demonstrate financial need for tuition and fees after accounting for student aid index (SAI) and all forms for scholarship and grant aid.”
“Must be enrolled full-time (at least 12 credits or its equivalent) in a certificate, associate’s or bachelor’s degree program at an eligible institution. Must not have received a prior bachelor’s degree or its equivalent.”
MASSGrant Plus
At the state universities and UMass campuses, it pays full tuition and fees for a family earning about $85,000 or less, with up to $1,200 for books. Between about $85,000 and $100,000 it can cut what you pay for tuition and fees by up to half.
Source: Massachusetts Department of Higher Education, Office of Student Financial Assistance
“If your family makes approximately $85,000 per year Whether you are a full- or part-time student enrolling in or attending a public four-year college or university, MASSGrant Plus covers the full cost of your tuition and fees.”
“It provides an allowance of up to $1,200 for books and supplies.”
“If your family makes between approximately $85,000 and $100,000 per year If you are a full-time student, the costs for tuition and fees could be reduced by up to half of your out-of-pocket expenses.”
Gilbert Matching Student Grant
Matching state money that participating Massachusetts colleges and schools of nursing must pass on as direct aid to Massachusetts undergraduates with financial need.
Source: Massachusetts Department of Higher Education, Office of Student Financial Assistance
“At least 100 percent of the funds must be used for direct financial assistance to undergraduate students from Massachusetts so they may attend or continue to attend such institutions.”
“Demonstrate financial aid need as determined by program guidelines.”
John and Abigail Adams Scholarship
A merit credit toward tuition at a Massachusetts state college or university, for up to eight semesters, for a graduate of a Massachusetts public high school with high 10th grade MCAS scores. At the UMass campuses it is valued at $1,714 at Amherst and Boston, $1,417 at Dartmouth and $1,454 at Lowell.
Source: Massachusetts Department of Higher Education, Office of Student Financial Assistance
“The John and Abigail Adams Scholarship is a merit-based program that provides a credit toward tuition for up to eight semesters of undergraduate education at a Massachusetts state college or university.”
“Individual student awards at the University of Massachusetts shall be valued at $1,714 at Amherst, $1,714 at Boston, $1,417 at Dartmouth, and $1,454 at Lowell.”
“There is no application process for the John and Abigail Adams Scholarship.”
Need-Based Tuition Waiver
A waiver of state-supported tuition for Massachusetts residents with financial need at the state's public colleges and universities. The college awards it as part of its aid package; file the FAFSA.
Source: Massachusetts Department of Higher Education, Office of Student Financial Assistance
“Over the years, tuition waivers have been utilized as supplemental scholarships in campus-based financial aid packaging strategies.”
“Demonstrate financial aid need as determined by the federal methodology need analysis criteria.”
“An eligible institution is within the system of public institutions of higher education under section 5 of Chapter 15A of the General Laws.”
Massachusetts Cash Grant
A grant for students with financial need at the public colleges and universities, toward the fees and tuition a waiver does not cover. Ask the college's aid office.
Source: Massachusetts Department of Higher Education, Office of Student Financial Assistance
“It helps needy students by awarding grant money to cover additional charges such as mandatory fees and non-state-supported tuition.”
“An eligible institution shall mean an institution within the system of public institutions of higher education under section 5 of Chapter 15A of the General Laws.”
“Contact your financial aid office for application requirements and deadlines.”
Foster Child Grant
Up to $6000 a year at any college in the continental United States for a young person in the custody of the Department of Children and Families. The student has signed an agreement for care beyond 18, is under 25 and is enrolled full time.
Source: Massachusetts Department of Higher Education, Office of Student Financial Assistance
“It provides grants of up to $6000 annually for foster children to help pay for an education beyond high school at any college or university throughout the continental United States.”
“The grant recipient must have signed an agreement with the Department of Children and Families for care and services beyond age 18.”
“Be under the age of twenty-five (25) at the start of the academic year.”
Valedictorian Program Tuition Waiver
Full tuition at any Massachusetts public college for a student named valedictorian by a public or private Massachusetts high school.
Source: Massachusetts Department of Higher Education, Office of Student Financial Assistance
“Be designated by a public or private high school in the state as a valedictorian.”
“Students eligible for the Valedictorian Program Tuition Waiver are entitled to a tuition waiver equal to 100% to attend any public higher education institution.”
Massachusetts's 529 tax deduction
Money you put into a U.Fund or U.Plan account comes off your Massachusetts income, up to $1,000 a year, or $2,000 for a married couple filing jointly. Take money out for anything other than school costs and Massachusetts takes the deduction back.
Source: MEFA (Massachusetts Educational Financing Authority), The Massachusetts College Savings Tax Deduction
“The amount of the deduction is up to $1,000 for a single filer or up to $2,000 for those who file married filing jointly.”
“there is a deduction “recapture” concept if an amount for which a deduction was taken at the time of contribution is later withdrawn from the U.Fund or U.Plan for a reason other than to pay qualified higher education expenses”
Massachusetts also has free community college, other tuition waivers, and programs for future teachers and nurses. See the Office of Student Financial Assistance's list.
From the colleges
What each college gives for grades, what it promises on aid, and its full price.
| College | Merit scholarships | Promise on aid | Full price a year |
|---|---|---|---|
| American International College private |
| — | $68,775 |
| Amherst College private | None published | Says it covers 100% of what a family cannot pay | $101,513 |
| Assumption University private |
| — | $76,172 |
| Babson College private | None published | — | $88,209 |
| Bay Path University private |
| — | $57,079 |
| Bentley University private | None published | — | $93,173 |
| Berklee College of Music private | None published | — | $81,307 |
| Boston College private | None published | Says it covers 100% of what a family cannot pay | $100,420 |
| Boston University private | None published | BU Promise: at least full tuition for admitted first-year students with a household income under $200,000 and typical assets | $100,188 |
| Brandeis University private | None published | Brandeis Commitment: full tuition for families with a total income of $75,000 or below, assuming typical assets | $100,420 |
| Bridgewater State University public |
| — | $30,689 |
| Clark University private | None published | — | $81,645 |
| College of the Holy Cross private | None published | Says it covers 100% of what a family cannot pay; Holy Cross: a full-tuition grant for families who make $100,000 or less with reasonable assets | $96,492 |
| Curry College private |
| — | $75,800 |
| Dean College private | None published | — | $75,340 |
| Emerson College private | None published | — | $88,379 |
| Emmanuel College private | None published | — | $76,330 |
| Endicott College private | None published | — | $67,120 |
| Fisher College private | None published | — | $61,056 |
| Fitchburg State University public |
| — | $26,869 |
| Framingham State University public |
| Framingham State Tuition Promise: no tuition or mandatory fees for Massachusetts students from families earning $85,000 or less | $30,968 |
| Gordon College private |
| — | $54,279 |
| Harvard University private | None published | Says it covers 100% of what a family cannot pay; Harvard: aid covers at least full tuition for families with an income up to $200,000 | $96,340 |
| Lasell University private | None published | Lasell Tuition Commitment: full tuition for first-time, full-time students from households earning under $100,000 (worth asking about) | $49,792 |
| Lesley University private | None published | — | $64,052 |
| Massachusetts College of Art and Design public | None published | MassArt Start: tuition and standard fees for Massachusetts families with an adjusted gross income of $75,000 or less | $38,522 |
| Massachusetts College of Pharmacy and Health Sciences private | None published | — | $71,668 |
| Massachusetts Institute of Technology private | None published | Says it covers 100% of what a family cannot pay; MIT: students from families with an income under $200,000 typically attend tuition-free (worth asking about) | $93,875 |
| Massachusetts Maritime Academy public | None published | — | $30,264 |
| Merrimack College private | None published | — | $87,111 |
| Mount Holyoke College private | None published | Says it covers 100% of what a family cannot pay; The Mount Holyoke Commitment — no tuition for U.S. families with total income up to $150,000 | $97,808 |
| Nichols College private |
| — | $67,315 |
| Northeastern University private | None published | — | $100,383 |
| Salem State University public | None published | Remarkable Salem State Difference: tuition and mandatory fees for Massachusetts residents with a household income of $75,000 or less and financial need | $31,423 |
| Simmons University private | None published | — | $72,736 |
| Smith College private | None published | Says it covers 100% of what a family cannot pay; Next 150 Pledge: free tuition for families making up to $150,000 with typical assets, from fall 2026 | $99,932 |
| Springfield College private |
| — | $68,047 |
| Stonehill College private | None published | — | $84,087 |
| Suffolk University private | None published | — | $82,220 |
| Tufts University private | None published | Says it covers 100% of what a family cannot pay Tufts Tuition Pact: tuition-free for U.S. undergraduates with a family income under $150,000 and typical assets, from fall 2026 | $102,120 |
| University of Massachusetts Amherst public |
| UMass Amherst Advantage: tuition and mandatory fees for Massachusetts students from households earning $75,000 or less | $39,609 |
| University of Massachusetts Boston public |
| Beacon Pledge: tuition and mandatory fees for Massachusetts students from households earning $75,000 or less | $38,479 |
| University of Massachusetts Dartmouth public | None published | The UMass Dartmouth Deal: tuition and mandatory fees for in-state students from families with an income of $75,000 or less | $39,009 |
| University of Massachusetts Lowell public |
| MASSGrant Plus at UMass Lowell: tuition and mandatory fees for Massachusetts students from households earning $75,000 or less | $38,042 |
| Wellesley College private | None published | Says it covers 100% of what a family cannot pay; Tuition-free — families under $200,000, from fall 2027 | $100,813 |
| Wentworth Institute of Technology private |
| — | $75,025 |
| Western New England University private | None published | Mass Grant Plus Free Tuition Guarantee: full tuition and fees for Massachusetts students awarded the state’s free tuition award | $71,855 |
| Westfield State University public |
| — | $29,456 |
| Wheaton College private | None published | — | $90,041 |
| Williams College private | None published | Says it covers 100% of what a family cannot pay Free tuition for families earning $200K or less (with typical assets) All-Grant Financial Aid Program No student loans packaged in any Williams aid award No campus or summer work requirement Book Grant Aid covers cost of participation beyond tuition All-Grant Financial Aid Program - effective date and scope at launch | $100,839 |
| Worcester Polytechnic Institute private | None published | — | $89,825 |
| Worcester State University public |
| Worcester State: $0 in tuition and fees for Massachusetts undergraduates with a household income of $75,000 or less, from fall 2025 | $30,350 |
* The finder and our college comparison show this scholarship when you enter your student's GPA.
Each college's page has a promise's conditions, in the college's own words. “Worth asking about” marks a program the college describes in words that stop short of a promise.
Full price: tuition and fees, housing and food, and books; in state at a public university. What your family would pay after grants depends on your income: the finder shows it.
1 more Massachusetts college has no page here. For 0 of them, the federal data has no cost or no price by income. The rest mainly teach graduate students or run online programs. Show it
- Northeastern University Professional Programs
Across state lines
The New England Tuition Break, run by the New England Board of Higher Education.
Coming to Massachusetts from elsewhere in New England
Students from Connecticut, Maine, New Hampshire, Rhode Island and Vermont can pay no more than 175% of resident tuition at New England public colleges, in the programs each college has approved.
Some programs are open to every New England student; others depend on the student's home state.
These 13 colleges in Massachusetts take part:
- Bridgewater State University
- Fitchburg State University
- Framingham State University
- Massachusetts College of Art and Design
- Massachusetts College of Liberal Arts
- Massachusetts Maritime Academy
- Salem State University
- University of Massachusetts Amherst
- University of Massachusetts Boston
- University of Massachusetts Dartmouth
- University of Massachusetts Lowell
- Westfield State University
- Worcester State University
Going from Massachusetts to another New England state
A Massachusetts student can use it at public colleges in the other five states. The Board's search lists the approved programs and the rate at each college.
Source: New England Board of Higher Education, Tuition Break
“provides significant tuition savings to residents of the six New England states when they enroll at out-of-state public colleges and universities within New England and pursue approved programs.”
“The rate is based on a percentage (up to a maximum of 175 percent) of a college’s in-state rate.”
“The programs that are marked with a [F] are eligible for all New England residents. The programs without a [F] are state dependent for eligibility.”
Paying the rest
Your SmartTuition plan uses your savings, your 529, your loans and your award letter.
Build your SmartTuition plan, $99 →Best once your award letter arrives. No letter yet? Get the monthly email.
How we worked these out
What a SmartTuition plan saves
The $6,600 in the “Pay less for college” box near the top of this page is the median saving over our Massachusetts scenarios. Each scenario is a household in Massachusetts at one of its colleges. Its income is one of 8 from $45,000 to $200,000, and its savings are none, $40,000 or $100,000 in a 529. We price each college at the aid it reports for the income.
Every scenario has parents with good credit and $500 a month toward college. A saving is the difference, over four years, between a SmartTuition plan and the standard approach: savings first, then loans for the rest. It counts loan interest, the federal tax credit and Massachusetts' tax deduction for money you put through its 529 plan. Credit matters: parents with fair credit borrow at a higher rate, which changes the saving.
A scenario where the parents would borrow more than $65,000 is left out, as is one at a college that reports no aid for the income. The figure is for a household that lives in Massachusetts.
Costs: each college's own published price where it has one, otherwise the U.S. Department of Education's College Scorecard, carried forward to fall 2027. Grants: each program’s own page. Scholarships: each college's own page, read by us and checked against it. SmartTuition.ai is not affiliated with, endorsed by, or sponsored by any institution named here.