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Cost & financial aid brief

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# Adelphi University Tuition, Costs & Financial Aid

Updated October 1, 2026

[Overview](/school/adelphi-university/)Cost & aid[Outcomes](/school/adelphi-university/outcomes/)[Admissions](/school/adelphi-university/admissions/)[Majors](/school/adelphi-university/majors/)[Similar schools](/school/adelphi-university/similar/)

**On this page**+

## How much does Adelphi University cost after financial aid?

With a published cost of attendance of $63,189 (an average across living arrangements), Adelphi University has a substantial sticker price before financial aid is considered. Tuition and fees are $49,110, and room and board are $20,028 under the published budget.

Among aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $30,783. That represents $32,406 in average savings from the sticker cost.

At comparable institutions (same type and size), the peer median net price is $27,371; Adelphi’s figure is $3,412 above it. Azimuth places the university’s affordability pillar in the 10th percentile among nonprofit four-year institutions.

The high sticker price, net price above comparable institutions, and low affordability placement point in the same direction.

At Adelphi University, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $30,783, a cost that sits above the peer median. The peer median, the middle value for comparable institutions (same type and size), is $27,371, making the gap $3,412 above.

Azimuth places affordability in the 10th percentile among nonprofit four-year institutions. Among completers who borrowed, median federal student loan debt is $25,000, $801 above the peer median of $24,199.

Average net price is $24,095 for the lowest-income band and $35,672 for the highest-income band. Higher costs and debt than peers align with the low affordability standing.

At Adelphi University, aid recipients in the lowest family-income band face an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $24,095 for families earning under thirty thousand dollars. The corresponding averages are $24,700 for thirty thousand and one dollars to forty-eight thousand dollars, $28,681 for forty-eight thousand and one dollars to seventy-five thousand dollars, $32,337 for seventy-five thousand and one dollars to one hundred ten thousand dollars, and $35,672 for families earning over one hundred ten thousand dollars.

Pell Grant recipients account for 31.0% of undergraduates, providing financial-access context for the lowest-income band. The spread between the lowest and highest bands is $11,577.

Average net price by family income

**$0–30K**
$24,095

**$30–48K**
$24,700

**$48–75K**
$28,681

**$75–110K**
$32,337

**$110K+**
$35,672

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$30,783**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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 price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$48,005

**Estimated parent payment**
$610/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## 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

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
3.  Concerning 12–20%
4.  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.

[Read the framework and its limits](/analysis/financial-gps-framework/).

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.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=adelphi-university#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), 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](/about/).

**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](https://collegescorecard.ed.gov/data/).

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.