Cost of Attendance (COA)(Also known as the cost of education or «budget») The total
amount it should cost the student to go to school, including tuition and
fees, room and board, allowances for books and supplies, transportation, and personal and
incidental expenses.
(1) The collection of any
amount (including any interest,
fee, charge, or expense
incidental to the principal obligation) unless such
amount is expressly authorized by the agreement creating the debt or permitted by law.