Florida Test Prep · Free planning tool
What will college cost after Bright Futures?
Compare UF, FSU, UCF and USF. See what the scholarship may cover—and what your family still needs to budget.
Your estimated remaining cost
—For one fall-and-spring academic year
What the published budgets include
These are starting estimates, not invoices. Living with parents still has a budget allowance; it is not a promise that your family will spend that amount.
| School | Credits | Tuition & fees | Housing + food | Books | Transport | Personal / other | Total |
|---|---|---|---|---|---|---|---|
| UF | 30 | $6,440 | $14,190 | $1,220 | $1,700 | $2,280 | $25,830 |
| FSU | 26 | $5,654 | $14,160 | $1,380 | $2,320 | $2,504 | $26,018 |
| UCF | 28 | $5,954 | $14,920 | $1,200 | $1,094 | $3,104 | $26,272 |
| USF | 28 | $5,960 | $15,408 | $728 | $2,176 | $2,976 | $27,248 |
How this estimate works
We subtract the school’s published Bright Futures award rate × your eligible credits, plus any published term allowance, from the estimated annual budget. We then subtract the other grants and scholarships you enter. Remaining cost stops at $0; this tool does not predict a refund.
Changing credits scales the tuition-and-fee budget proportionally. Fixed fees may not scale on your actual bill. Housing and food can be edited; other categories retain the university’s annual estimates. Plan for two funded semesters with at least six eligible credits each. Summer, online-only pathways, graduate study, out-of-state tuition and special program charges need a separate estimate.
Other aid, Florida Prepaid and financial-aid packaging can change the result. Check your university’s aid offer before making a commitment. Loan proceeds help finance a cost; they do not reduce it.
Why can a little tuition remain with FAS?
The state covers tuition and specified fees, not every fee on a bill. A rounded budget can also differ from the per-credit award. We keep those differences visible instead of forcing tuition to $0.
Does 75% Bright Futures mean we pay 25% of college?
No. At these universities, the percentage applies to eligible tuition and fees. Your housing, meals and other expenses are a separate part of the budget. See the official award rules, Chapter 2.
Sources and rate notes
- UF: 2026–27 cost of attendance · Bright Futures rates. UF combines housing and food into living expenses. Its budget includes $56 in federal loan fees; the calculator removes these unless you choose to include them below. FAS $214.54/credit; FMS $160.90/credit.
- FSU: 2026–27 cost of attendance · Bright Futures rates. Tallahassee undergraduate budget: 26 credits. Tuition plus the separate $50 annual fee line are included. FAS $213.55/credit; FMS $160.16/credit.
- UCF: 2026–27 cost of attendance · Bright Futures rates. Main/regional campus budget: 28 credits. The tuition estimate includes the $10 annual ID fee. FAS $212.28/credit; FMS $159.21/credit.
- USF: 2026–27 cost of attendance · Bright Futures rates. 28 credits. Published awards include a per-term fee allowance: $17 FAS or $12.75 FMS, counted twice here. FAS $208.69/credit; FMS $156.51/credit.