As a student at TUNV I don't know exactly where they are getting the 69k-72k, but this is a little over zealous. My wife and I have taken money just out for tuition and not for living "additional costs and living expenses." She makes about 45k a year and her income has be more than enough. I would say that on top of the money for tuition you would probably need an additional 18-20 thousand and this is probably a high estimate. Rent will run you anywhere from 700 to a 1000 a month and additional 500 a month would be plenty to live on. Thus 1000 (rent) + 500 additional (books, supplies, food, the occasional sports bet, etc) x 12 months would put you at 18,000 "additional necessary money." I agree the 72k is way over the top, and not necessary, least in my opinion. School should run about 52-55 with tuition and living expenses and supplies. Again, I don't know if someone guestimated the 72k or if someone from school told you that, but it is over the top.