Cost of Attendance 2025-2026
ESTIMATED COSTS OF ATTENDANCE FOR AN ACADEMIC YEAR (2 SEMESTERS)
The estimated Cost of Attendance Budget (COA) represents the estimated cost of attending Hawaii Pacific University for two semesters based on full-time enrollment. The purpose of this budget is to provide you, the student, with an idea of what your expenses might be to attend.
For actual (direct) costs visit HPU’s Tuition and Fees and On-Campus Housing.
A variety of expenses are included in the Cost of Attendance, including:
-
tuition
-
registration and other required fees
-
books
-
living expenses
-
transportation
-
an estimate of personal expenses related to attending school
The COA is only an estimate based on the average expenses of all students. These costs, therefore, do not necessarily represent every expense a student might incur throughout a given year. Your actual experience may be different from these averages based on your own personal spending choices and on how many courses you take each semester.
Note: The estimated budget is based on a student being enrolled full-time for two consecutive semesters. The institution will adjust the estimates if a student enrolls in only one semester, three semesters, or less than full-time. The Federal Government allows a variety of expenses to be included, but not all.
2025-2026 COST OF ATTENDANCE
Below are estimated costs for the 2025-2026 academic year.
UNDERGRADUATE
ESTIMATED FULL-TIME ANNUAL COST
|
NURSING |
|
OTHER PROGRAMS |
|||||
|---|---|---|---|---|---|---|---|
MAINLAND |
WITH PARENT |
HAWAII |
MAINLAND |
WITH PARENT |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | $800 | $800 | |
|
|
*Books, Course Materials, Supplies, Equipment | *Books, Course Materials, Supplies, Equipment | |||||
FEES |
$950 | $950 | $950 | $950 | $950 | $950 | |
LOAN FEES |
$82 | $82 | $82 | $82 | $82 | $82 | |
PERSONAL |
$800 | $800 | $800 | $800 | $800 | $800 | |
PLUS LOAN FEES* |
$1,100** | $1,100** | $1,100** | $1,100** | $1,100** | $1,100** | |
FOOD and HOUSING |
$20,976 | $6,994 | $20,976 | $20,976 | $6,994 | $20,976 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $2,600 | $1,300 | $2,600 | |
TUITION |
$42,528 | $42,528 | $42,528 | $35,784 | $35,784 | $35,784 | |
TOTAL |
$69,836 |
$54,554 |
$69,836 |
$63,092 |
$47,810 |
$63,092 |
|
| **Applicable only to Dependent Undergraduate students. | |||||||
ESTIMATED FULL-TIME ANNUAL COST
|
NURSING |
|
OTHER PROGRAMS |
|||||
|---|---|---|---|---|---|---|---|
MAINLAND |
HAWAII |
ACTIVE DUTY |
MAINLAND |
HAWAII |
ACTIVE DUTY |
||
BOOKS* |
$800 | $800 | $800 | $800 | $800 | $800 | |
|
|
*Books, Course Materials, Supplies, Equipment | *Books, Course Materials, Supplies, Equipment | |||||
FEES |
$950 | $950 | $950 | $950 | $950 | $950 | |
LOAN FEES |
$152 | $152 | $152 | $152 | $152 | $152 | |
PERSONAL |
$1,800 | $1,800 | $1,800 | $1,800 | $1,800 | $1,800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | $20,976 | $20,976 | - | |
FOOD |
- | - | $9,028 | - | - | $9,028 | |
TRANSPORTATION |
$2,600 | $2,600 | $2,600 | $2,600 | $2,600 | $2,600 | |
TUITION |
$42,528 | $42,528 | $42,528 | $35,784 | $35,784 | $35,784 | |
TOTAL |
$69,806 |
$69,806 |
$57,858 |
$63,062 |
$63,062 |
$51,114 |
|
GRADUATE
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$15,498 | $15,498 | $15,498 | $15,498 | |
TOTAL |
$43,652 |
$42,352 |
$31,704 |
$30,404 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$18,540 | $18,540 | $18,540 | $18,540 | |
TOTAL |
$46,694 |
$45,394 |
$34,746 |
$33,446 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$972 | $972 | $972 | $972 | |
FEES |
$4,220 | $4,220 | $4,220 | $4,220 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$20,106 | $20,106 | $20,106 | $20,106 | |
TOTAL |
$51,676 |
$50,376 |
$39,728 |
$38,428 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$20,592 | $20,592 | $20,592 | $20,592 | |
TOTAL |
$48,746 |
$47,446 |
$36,798 |
$35,498 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$24,228 | $24,228 | $24,228 | $24,228 | |
TOTAL |
$52,382 |
$51,082 |
$40,434 |
$39,134 |
|
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$25,794 | $25,794 | $25,794 | $25,794 | |
TOTAL |
$53,948 |
$52,648 |
$42,000 |
$40,700 |
|
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$972 | $972 | $972 | $972 | |
FEES |
$4,220 | $4,220 | $4,220 | $4,220 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$27,126 | $27,126 | $27,126 | $27,126 | |
TOTAL |
$58,697 |
$57,397 |
$46,748 |
$45,448 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$31,500 | $31,500 | $31,500 | $31,500 | |
TOTAL |
$59,654 |
$58,354 |
$47,706 |
$46,406 |
|
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$22,230 | $22,230 | $22,230 | $22,230 | |
TOTAL |
$50,384 |
$49,084 |
$38,436 |
$37,136 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$17,550 | $17,550 | $17,550 | $17,550 | |
TOTAL |
$51,248 |
$49,948 |
$39,300 |
$38,000 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$22,662 | $22,662 | $22,662 | $22,662 | |
TOTAL |
$50,816 |
$49,516 |
$38,868 |
$37,568 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$24,588 | $24,588 | $24,588 | $24,588 | |
TOTAL |
$52,742 |
$51,442 |
$40,794 |
$39,494 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$23,328 | $23,328 | $23,328 | $23,328 | |
TOTAL |
$51,482 |
$50,182 |
$39,534 |
$38,234 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
ESTIMATED FULL-TIME ANNUAL COST |
|||||
|---|---|---|---|---|---|
|
LIVING ON/OFF CAMPUS |
ACTIVE MILITARY |
||||
MAINLAND |
HAWAII |
MAINLAND |
HAWAII |
||
BOOKS* |
$800 | $800 | $800 | $800 | |
FEES |
$976 | $976 | $976 | $976 | |
LOAN FEES |
$2,002 | $2,002 | $2,002 | $2,002 | |
PERSONAL |
$800 | $800 | $800 | $800 | |
FOOD and HOUSING |
$20,976 | $20,976 | - | - | |
FOOD |
- | - | $9,028 | $9,028 | |
TRANSPORTATION |
$2,600 | $1,300 | $2,600 | $1,300 | |
TUITION |
$14,580 | $14,580 | $14,580 | $14,580 | |
TOTAL |
$42,734 |
$41,434 |
$30,786 |
$29,486 |
|
*Books, Course Materials, Supplies, Equipment |
|||||
|
Admitted 2024-2025 |
Admitted 2025-2026 |
||||
|---|---|---|---|---|---|
YEAR 1JAN - DEC 2025 |
YEAR 2JAN - DEC 2026 |
YEAR 1Jan - Dec 2026 |
YEAR 2JAN - DEC 2027 |
||
Tuition |
$55,002 | 55,002 | $57,696 | $57,696 | |
Fees |
$4,785 | $4,145 | $4,785 | $4,145 | |
Background Screening* |
$300 | - | $300 | - | |
Drug Screening* |
$150 | - | $150 | - | |
Computer Expenses* |
$1,500 | - | $1,500 | - | |
NCCPA Pance Exam Fee** |
- | $550 | - | $550 | |
BLS & ACLS Certification Courses |
$350 | - | $350 | - | |
AAPA & HAPA Annual Dues |
$85 | $10 | $85 | $10 | |
Lab Clothes |
$100 | $300 | $100 | $300 | |
Books** |
- | $200 | - | $200 | |
Loan Fees*** |
$217 | $217 | $217 | $217 | |
PLUS Fees |
$3,162 | $3,075 | $3,276 | $867 | |
Health Insurance |
$2,500 | $2,500 | $2,500 | $2,500 | |
Transportation |
$7,800 | $7,800 | $7,800 | $7,800 | |
Food & Housing |
$22,500 | $22,500 | $22,500 | $22,500 | |
TOTAL |
$98,451 |
$96,299 |
$101,259 |
$96,785 |
|
*One-Time Estimates**Applicable to Year 2 Only***For the 2026-2027 aid year, Graduate PLUS Loans will be capped at $20,500 thus PLUS fees will be lower |
|||||
|
Admitted 2024-2025 |
Admitted 2025-2026 |
||||
|---|---|---|---|---|---|
YEAR 1AUG 2024 - AUG 2025 |
YEAR 2AUG 2025 - AUG 2026 |
YEAR 1AUG 2025 - AUG 2026 |
YEAR 2AUG 2026 - AUG 2027 |
||
Tuition |
$56,802 | $56,802 | $59,586 | $59,586 | |
Fees |
$1,130 | $575 | $1,130 | $575 | |
Background Screening* |
$100 | - | $100 | - | |
APTA Membership Dues |
$90 | $90 | $90 | $90 | |
Computer Expenses* |
$1,500 | - | $1,500 | - | |
Lab Clothes |
$300 | $300 | $300 | $300 | |
Books |
$1,200 | $400 | $1,200 | $400 | |
Loan Fees |
$217 | $217 | $217 | $217 | |
PLUS Fees** |
$3,113 | $2,989 | $3,231 | $867 | |
Health Insurance |
$2,500 | $2,500 | $2,500 | $2,500 | |
Transportation |
$7,800 | $7,800 | $7,800 | $7,800 | |
Food & Housing |
$22,500 | $22,500 | $22,500 | $22,500 | |
TOTAL |
$97,252 |
$94,173 |
$100,154 |
$94,835 |
|
*One-Time Estimates**For the 2026-2027 aid year, Graduate PLUS Loans will be capped at $20,500 thus PLUS fees will be lower |
|||||
|
Admitted 2024-2025 |
Admitted 2025-2026 |
||||
|---|---|---|---|---|---|
YEAR 1JAN - DEC 2025 |
YEAR 2JAN - DEC 2026 |
YEAR 1Jan - Dec 2026 |
YEAR 2JAN - DEC 2027 |
||
Tuition |
$56,802 | $56,802 | $59,586 | $59,586 | |
Fees |
$1,139 | $375 | $1,139 | $375 | |
Background Screening* |
$100 | - | $100 | - | |
APTA Membership Dues |
$90 | $90 | $90 | $90 | |
Computer Expenses* |
$1,500 | - | $1,500 | - | |
Lab Clothes |
$300 | $300 | $300 | $300 | |
Books |
$1,200 | $400 | $1,200 | $400 | |
Loan Fees |
$217 | $217 | $217 | $217 | |
PLUS Fees** |
$3,114 | $2,980 | $3,231 | $867 | |
Health Insurance |
$2,500 | $2,500 | $2,500 | $2,500 | |
Transportation |
$7,800 | $7,800 | $7,800 | $7,800 | |
Food & Housing |
$22,500 | $22,500 | $22,500 | $22,500 | |
TOTAL |
$97,262 |
$93,964 |
$100,163 |
$94,635 |
|
*One-Time Estimates**For the 2026-2027 aid year, Graduate PLUS Loans will be capped at $20,500 thus PLUS fees will be lower |
|||||
|
Admitted 2024-2025 |
Admitted 2025-2026 |
||||
|---|---|---|---|---|---|
YEAR 1AUG 2024 - AUG 2025 |
YEAR 2AUG 2025 - AUG 2026 |
YEAR 1AUG 2025 - AUG 2026 |
YEAR 2AUG 2026 - AUG 2027 |
||
Tuition |
$55,320 | $55,320 | $55,320 | $55,320 | |
Fees |
$1,084 | $375 | $1,084 | $375 | |
Background Screening* |
$100 | - | $100 | - | |
Computer Expenses* |
$1,500 | - | $1,500 | - | |
NBCOT Exam Fee** |
- | $550 | - | $550 | |
AOTA Membership Dues |
$78 | $78 | $78 | $78 | |
Lab Clothes |
- | - | - | - | |
Books* |
$900 | - | $900 | - | |
Loan Fees |
$217 | $217 | $217 | $217 | |
PLUS Fees*** |
$3,023 | $2,911 | $3,023 | $867 | |
Health Insurance |
$2,500 | $2,500 | $2,500 | $2,500 | |
Transportation |
$7,800 | $7,800 | $7,800 | $7,800 | |
Food & Housing |
$22,500 | $22,500 | $22,500 | $22,500 | |
TOTAL |
$95,022 |
$92,251 |
$95,022 |
$90,207 |
|
*One-Time Estimates**Applicable to Year 2 Only***For the 2026-2027 aid year, Graduate PLUS Loans will be capped at $20,500 thus PLUS fees will be lower |
|||||
|
Admitted 2024-2025 |
Admitted 2025-2026 |
||||
|---|---|---|---|---|---|
YEAR 1JAN - DEC 2025 |
YEAR 2JAN - DEC 2026 |
YEAR 1Jan - Dec 2026 |
YEAR 2JAN - DEC 2027 |
||
Tuition |
$53,700 | $53,700 | $55,320 | $55,320 | |
Fees |
$1,084 | $375 | $1,084 | $375 | |
Background Screening* |
$100 | - | $100 | - | |
Computer Expenses* |
$1,500 | - | $1,500 | - | |
NBCOT Exam Fee** |
- | $550 | - | $550 | |
AOTA Membership Dues |
$78 | $78 | $78 | $78 | |
Lab Clothes |
- | - | - | - | |
Books* |
$900 | - | $900 | - | |
Loan Fees*** |
$217 | $217 | $217 | $217 | |
PLUS Fees |
$2,954 | $2,842 | $3,023 | $867 | |
Health Insurance |
$2,500 | $2,500 | $2,500 | $2,500 | |
Transportation |
$7,800 | $7,800 | $7,800 | $7,800 | |
Food & Housing |
$22,500 | $22,500 | $22,500 | $22,500 | |
TOTAL |
$93,333 |
$90,562 |
$95,022 |
$90,207 |
|
*One-Time Estimates**Applicable to Year 2 Only***For the 2026-2027 aid year, Graduate PLUS Loans will be capped at $20,500 thus PLUS fees will be lower |
|||||