Cost & financial aid brief
Adelphi University Tuition, Costs & Financial Aid
How much does Adelphi University cost after financial aid?
Aid cuts the published charge substantially for the average aid recipient, though the resulting price varies with family income. The published cost of $63,189 (an average across living arrangements) falls to an average net price of $30,783, leaving a sticker-to-net gap of $32,406.
Aid covers about 51% of the published cost for the average aid recipient. The lowest income band averages $24,095, compared with $35,672 for the highest band.
The $11,577 spread between those average prices shows lower prices for lower-income families rather than equal discounts across the bands. These are group averages, so an individual offer can differ from the pattern.
Adelphi University has a published cost of attendance of $63,189 (an average across living arrangements), with net prices that vary across family-income bands. For aid recipients in the lowest family-income band, the average net price is $24,095; it is $24,700 in the lower-middle band, $28,681 in the middle band, $32,337 in the upper-middle band, and $35,672 in the highest band.
The spread between the lowest and highest bands is $11,577. Azimuth ranks Adelphi University #1,268 for affordability among nonprofit four-year institutions.
Across all aid recipients, the average net price, what aid recipients pay after grants and scholarships, is $30,783. Average aid offsets $32,406 of the sticker price, and aid covers about 51% of the published cost for the average aid recipient.
The peer median net price for comparable institutions (same type and size) is $27,371, with Adelphi’s average $3,412 above that figure. Published tuition and fees are $49,110, and room and board are listed at $20,028.
Federal borrowing is common, and median debt is slightly higher than the comparable-institution figure. Among borrowers who completed, median federal student loan debt is $25,000, compared with $24,199 at comparable institutions (same type and size), a gap of $801 above.
An estimated 89.8% of federal aid recipients take federal loans, and that debt corresponds to an estimated payment of $284 a month if repaid over ten years. Median Parent PLUS borrowing is $48,005 for parent borrowers.
Student loans: what does repayment look like?
Federal borrowing is common at Adelphi University: 89.8% of federal aid recipients take federal loans, and borrowers who complete have median federal student loan debt of $25,000. The peer median is $24,199 at comparable institutions (same type and size); Adelphi’s median is above that figure by $801.
These figures describe federal-loan borrowers who completed rather than every undergraduate. For the separate population of Parent PLUS parent borrowers, median borrowing is $48,005.
Four years after completing a degree, federally aided graduates of Adelphi University who are working and not enrolled earn a median of $83,002. That earnings level is in the 91st percentile among nonprofit four-year institutions.
It is $14,752 above the $68,250 median for comparable institutions (same type and size). Graduates earn about $16,364 more than expects for similar students.
That places the gap at the 93rd percentile. Earnings scenarios, estimated from the program mix, stretch from $51,256 in a downside case through $83,002 typical to $112,945 in an upside case.
Borrowers who finish carry a median of $25,000 in federal loans, $801 above the $24,199 median for comparable institutions (same type and size). If repaid over ten years, that corresponds to an estimated payment of $284 a month.
The investment picture is mixed: earnings land well above the peer median while debt sits slightly above it.
Parent borrowing is separate from student federal debt: median Parent PLUS borrowing was $48,005 for parent borrowers. For student borrowers, that debt corresponds to an estimated payment of $284 a month if repaid over ten years.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $48,005
- Estimated parent payment
- $610/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Caution |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $25,000
- Institution Parent PLUS debt
- $48,005
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $284/mo
- Estimated Parent PLUS payment · monthly
- $610/mo
- Modeled student + parent payments
- $894/mo
Payments use school-wide median balances, not a specific major’s.
Student payment as a share of available income
At median graduate earnings of $83,002, with a $22,590 annual allowance for basic expenses:
5.6% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- High risk Over 20%
How this estimate works
These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $22,590, uses the published framework’s 2024 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.
Payment assumptions
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, founder of College Azimuth.
Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.
Figure notes link to sources and limitations. About College Azimuth.
Net price and borrowing. The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. College Scorecard data and documentation.
A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.