@hs2020kid UMass Amherst COA is around $49K OOS and Amherst around $80K, per their websites…do not use Naviance for COA. Regardless, the point is that Amherst could cost less for a middle income family (as stated in post #13) because Amherst has one of the most generous finaid policies and meets 100% of demonstrated need with no loans, whereas UMass does not meet 100% need and also includes loans in finaid packages. Of course, each and every student’s financial situation and aid package will be unique.