The questions about the 5th year or double majors are up to the school. What other schools do doesnt matter, just what your school, or in fact that scholarship, cover. The ‘extra’ COA money is a formula the school uses for all students, and is especially important to athletes now who get that money as cash (it used to be more of an estimate for what your could expect to pay above tuition and room and board). It usually includes travel costs, incidentals like phone or Internet fees, snacks, toiletries. It may or may not include the cost of health insurance.