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Our List of the Most Affordable Online MFT Programs

Becoming a marriage and family therapist, or MFT, can be a highly fulfilling career where you help people every day. However, MFT education can be costly, even as studying online can help reduce costs by saving you relocation and commuting expenses. That said, this guide has provided some MFT programs with financial aid, details on the cost of attending online versus in person MFT Programs, and ways to cut costs. Read on to discover some of the most affordable online MFT programs you can apply for today.

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Author: Ellery Weil, PhD
Editor: Edumed Editing Staff

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A Look at Affordable Online MFT Master’s Programs

As you explore your options for an online master’s in marriage and family therapy, it’s important to know what factors will affect the cost of your education. In the case of state schools, whether or not you will be eligible for in-state tuition could greatly affect the price of tuition. It’s also vital to ensure that your online MFT master’s is accredited. Accreditation is what will give your master’s legitimacy to future employers, licensing boards, etc., but also will make you eligible to apply for federal aid through FAFSA.

Beyond these considerations, be sure you’re aware of financial aid opportunities for online MFT master’s students at your school, including need-based and merit-based funding. These can lead to a huge difference between the program “sticker price,” and what your actual costs end up being. Below, you’ll find profiles of three high quality online master’s programs in marriage and family therapy, along with details of both costs and opportunities for aid. Read on to get you an idea of what you might expect as you begin your applications.

University of Massachusetts Global

The MA in Marriage and Family Therapy from UMass Global is a fully online program, with clinical placements which can be completed in your local community. UMass Global is accredited by the WASC Senior College and University Commission (WSCUC), and this program meets education requirements for licensure in all states except for California. Applicants should hold a bachelor’s degree from an accredited university with a GPA of 2.75 or higher to be considered for this program.

Tuition and Fees: Although UMass is a state school, their Global programs offer a single tuition rate for all students, regardless of residency, which for the MA in Marriage and Family Therapy program is $730 per credit. UMass Global’s cost calculator can help students calculate costs for this program on a more individual level.

Financial Aid: Students in the MA in Marriage and Family Therapy at UMass Global are eligible to apply for both state and federal financial aid, such as student loans and grants. Beyond that, students in this program may apply for a variety of grants and scholarships through the school itself.

University of Southern California

The University of Southern California, or USC, is a highly competitive, prestigious university whose online MS in Marriage and Family Therapy can be completed over the course of two years. Courses are taught in a synchronous format, and meet the educational requirements established by the California Board of Behavioral Sciences for licensure as a Marriage and Family Therapist. This program aims to prepare you to work as a therapist in both telehealth and in-person settings.

Tuition and Fees: USC is a private university which currently charges graduate students in the MFT master’s program $2,354 per unit. There is an additional fee of $55 for enrollment, and a $40 per semester programming fee, and you may be encouraged to purchase health insurance, although this will vary for online students.

Financial Aid: All applicants to this program are automatically considered for a variety of institutional scholarships from USC, with awards ranging from $15,000 to $30,000, in addition to being able to apply for need-based aid. Moreover, students in this program are eligible to apply for federal and state aid, including both grants and student loans.

University of West Alabama

The University of West Alabama offers a 33-credit online MS in Family Counseling for students who already hold or are not seeking licensure. Although this program does not prepare you for licensure, it does include foundational courses in both education and psychology. In addition, you will be able to choose electives, and complete a for-credit internship as the final stage in the program. Applicants should hold an accredited bachelor’s degree.

Tuition and Fees: Although the University of West Alabama is a state school, this program offers a single tuition rate, regardless of residency status, at $429 per credit, plus a $60 technology fee which is payable each semester. Credits needed to graduate may vary for transfer students.

Financial Aid: Roughly 80 percent of students at the University of West Alabama receive financial aid of some sort. Financial aid applications are handled via the FAFSA using the UWA school code, and include institutional grants and scholarships as well as federal grants and student loans.

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Comparing the Cost of Online and Campus MFT Programs

The obvious advantages for online MFT programs are convenience and flexibility. However, getting an online MFT master’s degree can also have financial advantages. Specifically, online programs can save you the costs associated with relocating and/or commuting to campus, which can be substantial. Many programs at state schools even offer a base tuition rate for online students that allows for in-state rates regardless of your location. However, you should also be aware that online graduate programs may be ineligible for certain forms of financial aid, in particular work study or research and/or teaching assistantship programs.

Ways to Lower the Cost of Your Online MFT Degree

Beyond searching for an affordable online master’s program in marriage and family therapy, there are other ways to lower your total cost burden. While not all of these apply to every student, take a look at some popular ways to lower the total cost of your online degree:

Apply for Scholarships, Fee Waivers, and More

Scholarships are essentially free money you do not need to pay back and are available at local, regional, and national levels. Many are also reserved for particular demographics of students, like those for BIPOC students, those pursuing degrees in certain academic areas, and students residing in a specific area. There are also often scholarships available directly through your graduate school or department.

Maintain Part-Time Employment

Although paid employment isn’t technically a form of financial aid, a part-time job can be a valuable source of income during your studies. Some part-time jobs may also utilize skills that are relevant to your master’s coursework. Remember though that many online MFT master’s programs include an internship or clinical placement, so be sure that you will be able to complete this if you also plan on working part time during your studies.

Take Advantage of Employer Tuition Reimbursement

If you are currently a working professional, especially in counseling, social services, or another relevant field, tuition assistance and/or reimbursement may be available through your employer. Federal tax law allows you to receiveup to $5,250 in tuition reimbursement every academic year that you don’t need to claim on your federal taxes. Funds can be used for tuition, books, miscellaneous campus and technology fees, and some school-related supplies.

Utilize Free Certification Exam Prep Resources

If your online MFT master’s program meets the requirements for state licensure, you should start thinking about your licensure exam sooner rather than later. Many schools offer free exam prep materials, study groups, and/or practice tests for online MFT master’s students, so be sure to take advantage of these, which will save you money on exam prep materials.

Ranking the Most Affordable Online MFT Master’s Degrees

How to rank online MFT programs as “best” or “most affordable” is a subjective decision, but there are some objective factors, such as tuition costs, and the percentage of students who receive financial aid, that are worth considering. To that end, our data scientists at EduMed have analyzed data from the Integrated Postsecondary Education Data System (IPEDS)and compiled a ranking of most affordable online MFT master’s programs. If you would like more information about our ranking methodology, you can check out the “About the Rankings” pop-up below.

4-year Schools
1

Western Michigan University

Kalamazoo, Michigan

Western Michigan University offers a Master’s program in Marriage, Couple, and Family Counseling within the Department of Counselor Education and Counseling Psychology. The program prepares students for licensure and practice in various settings, including private practice, community agencies, and healthcare facilities. It emphasizes developing skills in individual, couple, and family therapy, focusing on systemic approaches to counseling. The curriculum includes coursework, practical training, and supervised internships to ensure comprehensive professional development.

Why We Selected Western Michigan University:

  • The program offers extensive clinical experience through on-site clinics in Kalamazoo and Grand Rapids.
  • The program is accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP).
  • Students benefit from faculty expertise in family systems approaches to counseling.

Program Details

  • AccreditationHLC
  • Average In-State Tuition$13,334
  • Average Institutional Aid$5,222
  • % of Students in ≥1 Online Course76%
  • % of Students Receiving an Award56%
  • Student/Faculty Ratio16/1
2

University of Louisiana at Monroe

Monroe, Louisiana

The University of Louisiana Monroe offers a Master of Arts in Marriage and Family Therapy (MFT) program designed to train students for licensure and practice in various therapeutic settings. The program emphasizes systemic and relational approaches to therapy, providing coursework and supervised clinical experience. Students learn to address diverse issues affecting couples and families, preparing them for careers in counseling and therapy.

Why We Selected University of Louisiana at Monroe:

  • The program offers a COAMFTE-accredited curriculum, ensuring high standards in education and licensure preparation.
  • The ULM Marriage and Family Therapy Clinic provides diverse client interactions and extensive supervision opportunities.
  • Faculty expertise includes systemically oriented clinical practice and research, enhancing student learning and professional development.

Program Details

  • AccreditationSACSCOC
  • Average In-State Tuition$5,788
  • Average Institutional Aid$5,815
  • % of Students in ≥1 Online Course49%
  • % of Students Receiving an Award46%
  • Student/Faculty Ratio18/1
3

Fresno Pacific University

Fresno, California

Fresno Pacific University’s Marriage and Family Therapy (M.A.) program at the seminary prepares students for licensure and practice in various therapeutic settings. The program combines theological and clinical training, emphasizing a holistic approach to therapy. It includes coursework in family systems theory, clinical techniques, and supervised practicum experiences, equipping graduates to work effectively with individuals, couples, and families.

Why We Selected Fresno Pacific University:

  • The program offers a highly structured, intensely supervised training environment at the Fresno Family Counseling Center.
  • Students benefit from a nationally recognized training model that has been replicated in the U.S. and Canada.
  • The program provides opportunities for networking through organizations like Chi Sigma Phi Chapter of Chi Sigma Iota.

Program Details

  • AccreditationWSCUC
  • Average In-State Tuition$32,954
  • Average Institutional Aid$16,945
  • % of Students in ≥1 Online Course41%
  • % of Students Receiving an Award64%
  • Student/Faculty Ratio11/1
4

Friends University

Wichita, Kansas

The Master of Science in Family Therapy (MSFT) at Friends University is a 60-credit program designed to prepare students for licensure as Marriage and Family Therapists. The program is COAMFTE accredited and spans 24 months, starting in mid-August and completing two years later. It emphasizes interpersonal, theoretical, clinical, and sociocultural competencies. Students engage in extensive clinical training, providing over 10,000 hours of relational services annually. The curriculum includes courses like diagnostic assessment and family therapy models. Admission requirements typically involve a bachelor’s degree and relevant prerequisites. Career outcomes include roles as therapists in various settings. Financial aid and scholarships may be available to support students. The program’s focus on systemic approaches and multicultural awareness prepares graduates for diverse clinical environments.

Why We Selected Friends University:

  • The program offers high job placement rates above the national average.
  • Faculty members have real-world experience and expertise in family therapy.
  • Students receive extensive clinical training with over 10,000 hours of relational services annually.

Program Details

  • AccreditationHLC
  • Average In-State Tuition$30,264
  • Average Institutional Aid$15,675
  • % of Students in ≥1 Online Course50%
  • % of Students Receiving an Award48%
  • Student/Faculty Ratio12/1
5

University of West Alabama

Livingston, Alabama

The Master of Science in Family Counseling at the University of West Alabama is designed to equip students with systematic approaches to family counseling. The program requires 33 credit hours and typically takes 1-2 years to complete. Each course is 8 weeks long, and the cost is $429 per credit hour. The program is taught by licensed professionals, including psychologists and marriage and family therapists. It focuses on a non-pathology-based perspective to address relationship, mental health, and life adjustment issues. The program does not lead to independent licensure as a therapist but is suitable for those seeking to enhance their knowledge or work in non-therapeutic roles. Admissions require an online application and official transcripts. Career pathways include roles for individuals already licensed or those working outside the U.S. or in non-therapeutic settings.

Why We Selected University of West Alabama:

  • The program is taught by licensed professionals, offering practical expertise in family counseling.
  • The University of West Alabama offers an affordable tuition rate of $429 per credit hour.
  • The program provides flexibility with online courses, accommodating busy learners and international students.

Program Details

  • AccreditationSACSCOC
  • Average In-State Tuition$9,100
  • Average Institutional Aid$5,777
  • % of Students in ≥1 Online Course64%
  • % of Students Receiving an Award34%
  • Student/Faculty Ratio14/1
6

University of Massachusetts Global

Irvine, California

The Master of Arts in Marriage and Family Therapy at UMass Global requires 60 credits and typically takes 2.5 years to complete. The program includes 23 courses and 400 hours of clinical fieldwork over 12 months. Tuition is approximately $730 per credit, with options for financial aid, grants, scholarships, and low-interest loans. The curriculum emphasizes systemic thinking and prepares students for licensure as Marriage and Family Therapists. Career paths include roles as licensed therapists, couples therapists, family counselors, and more. The program focuses on developing skills in active listening, empathy, and cultural sensitivity, with a mission to empower students to serve diverse communities ethically and competently. Admissions requirements are not detailed in the provided information, but the program offers support for clinical placements and career development.

Why We Selected University of Massachusetts Global:

  • The program offers dual emphasis options, enhancing career versatility as both Marriage and Family Therapists and Professional Clinical Counselors.
  • Students develop strong clinical skills through systemic theoretical models and diverse cultural competencies.
  • The program emphasizes ethical decision-making and research integration, enhancing clinical practice effectiveness.

Program Details

  • AccreditationWSCUC
  • Average In-State Tuition$12,000
  • Average Institutional Aid$1,941
  • % of Students in ≥1 Online Course97%
  • % of Students Receiving an Award45%
  • Student/Faculty Ratio22/1
7

University of Holy Cross

New Orleans, Louisiana

The Master of Arts in Counseling program at the University of Holy Cross offers specializations in Clinical Mental Health Counseling, Marriage, Couple, and Family Counseling, and School Counseling. The program typically takes three years to complete and includes a combination of coursework and clinical experience. Students complete a minimum of 60 credit hours, including a practicum and internship. Admissions require a minimum 3.0 undergraduate GPA, letters of recommendation, and an interview. The program is accredited by the Council for Accreditation of Counseling and Related Education Programs (CACREP). Graduates are prepared for professional licensure and careers in various counseling settings. The program emphasizes personal and professional growth, with a focus on multicultural competence and leadership skills. Transfer credits are accepted up to 12 semester hours.

Why We Selected University of Holy Cross:

  • Graduates from CACREP-accredited programs can take the NCE without additional experience.
  • The program offers specialized career tracks in clinical mental health, marriage, and family counseling.
  • Faculty expertise includes renowned professionals in counseling education and supervision.

Program Details

  • AccreditationSACSCOC
  • Average In-State Tuition$14,160
  • Average Institutional Aid$5,235
  • % of Students in ≥1 Online Course41%
  • % of Students Receiving an Award46%
  • Student/Faculty Ratio10/1
8

University of Southern California

Los Angeles, California

The Master of Science in Marriage and Family Therapy program is designed to prepare students for careers in public mental health clinics, schools, or private practice. The program requires 60 units and typically takes 24 months to complete. The estimated cost is $2,354 per unit. Financial aid includes scholarships ranging from $15,000 to $30,000 per year. The curriculum focuses on therapy skills, cultural sensitivity, and research-supported interventions. Students engage in clinical practicums, including videotaped sessions and real-world placements. Upon completion, graduates are eligible for the California Marriage and Family Therapy license. Career pathways include public mental health agencies, residential treatment centers, and private practice. The program emphasizes equity and prepares students for both in-person and telehealth settings.

Why We Selected University of Southern California:

  • The program offers automatic consideration for several USC Rossier scholarships ranging from $15,000 to $30,000 per year.
  • Faculty are experienced practitioners skilled in delivering therapy to diverse sociocultural backgrounds in online settings.
  • Students engage in a tightly-knit community with unmatched opportunities for discussion and lifelong professional connections.

Program Details

  • AccreditationWASC
  • Average In-State Tuition$60,446
  • Average Institutional Aid$36,359
  • % of Students in ≥1 Online Course27%
  • % of Students Receiving an Award91%
  • Student/Faculty Ratio9/1
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Ellery Weil, PhD AUTHOR

Dr. Ellery Weil holds a bachelor's degree in Political Science from the University of Michigan -- Ann Arbor, and a master's degree and PhD in History from University College London, and has been writing professionally in the higher education sector and for nutrition and wellness spaces for over six years. In addition to her work below, her writing has been published by Pearson, Arizona State University, BestColleges, A-List Education, and more.

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