How much money should I set aside for the whole TCM degree?
Anyone weighing this is really asking two questions at once — the tuition itself, and whether you can actually afford to live during the years it takes. Both matter, so here's the shape of each.
What it costs to complete a degree at Five Branches, and what it takes to live while you do it
Anyone weighing this is really asking two questions at once — the tuition itself, and whether you can actually afford to live during the years it takes. Both matter, so here's the shape of each.
Tuition is billed per academic/clinical unit, paid trimester by trimester rather than all at once — that structure alone makes a $70k+ total far more manageable than it looks, because you're never paying it in one sum. As Five Branches' DAcHM Catalog showed it when we checked in 07/2026:
| Program | Total program hours | Total tuition | Per year (approx.) |
|---|---|---|---|
| DAcHM/MAcHM (dual-degree, doctorate + master's) | 3,435 | $72,822 | ~$18,205 |
| DAc/MAc (acupuncture-only dual-degree) | 2,647.5 | $56,127 | ~$18,709 |
On top of tuition, the same catalog estimated required books at ~$1,000 total and room/board/miscellaneous at ~$2,000/month — those are living costs, not school fees, and they're where campus choice matters:
| Santa Clara County (San Jose campus) | Santa Cruz County (Santa Cruz campus) | |
|---|---|---|
| MIT Living Wage, 1 adult, before tax | ~$79,000/year | ~$89,400/year |
(MIT Living Wage Calculator, county data as of 02/2026 — a broad benchmark for a single adult's full cost of living, not a Five Branches figure.)
None of this includes financial aid, which the school does participate in federally, or the fact that many students work part-time or keep an existing job while studying — trimester billing and part-time pacing exist precisely so this doesn't have to be paid or lived all at once. For the exact current per-unit rate and fee schedule, the school's own Tuition & Fees page is the live source to check.
Are you thinking about this full-time, or trying to see how it'd fit alongside work?
Sources
- Five Branches University — Accreditation Degrees Programs checked 2026-08
- Five Branches University — Dac Mac Dual Degree Program checked 2026-08
- Five Branches University — Dtcm Mtcm Dual Degree Dac Mac Dual Degree Catalog checked 2026-08
- Five Branches University — Financial Aid checked 2026-08
- MIT Living Wage Calculator · HUD Fair Market Rents checked 2026-07
- The school's own published catalog and website checked 2026-07
- Five Branches University — Tuition Fee checked 2026-08
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