College affordability conversations tend to focus on tuition. But it’s the total cost of attendance (COA) that can catch many students off guard and derail their progress toward a degree. A new deep dive report from Inside Higher Ed—“Beyond Tuition: The Hidden Costs of College and Their Disproportionate Impact”—reveals how inaccurate COA disclosures and unexpected costs, from mandatory meal plans to technology fees to rising rents, can blindside students and threaten their success.

Drawing on data from Inside Higher Ed’s Student Voice surveys and other research, plus interviews with dozens of experts, student advocates and students themselves, the report notes that just 27 percent of undergraduates fully understand their institution’s cost of attendance—and that, for some, even an unexpected $100 expense could threaten their enrollment. Hidden costs hit lower-income, first-generation, parenting, international and other student groups especially hard, the report also finds.

Examining efforts to improve COA accuracy and transparency, and zooming in on students and change-makers in California, New York and Texas, the report calls for colleges to provide more accurate COA data, expanded emergency aid and clearer communication to help students plan for the full cost of college, not just the tuition bill.

“The public doesn’t think about living costs, although you have to cover them when you go to school. They also think tuition is skyrocketing when it really hasn’t,” said Robert Kelchen, professor and department head of educational leadership and policy studies at the University of Tennessee at Knoxville. “To some extent we’re focused on the wrong problem.”

This independent editorial report is written by Melissa Ezarik, with support from the Gates Foundation. The findings and conclusions contained in the report are those of the author and do not necessarily reflect positions or policies of the Gates Foundation.