Cost & financial aid brief
Albany State University Tuition, Costs & Financial Aid
How much does Albany State University cost after financial aid?
Aid covers about 38% of the published cost for the average aid recipient. The pattern across income bands shows lower average net prices at lower incomes.
The spread between the lowest and highest bands is $6,631, a difference of averages that reflects how aid is targeted.
The published cost of attendance at Albany State University is $19,333. Azimuth ranks the university #334 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $10,693, for those earning $48,001 to $75,000 it is $13,785, and for those earning over $110,000 it is $17,324. The spread between the lowest and highest bands is $6,631.
The average aid recipient saves $7,435 against the sticker price, leaving an average net price of $11,898. That is $2,170 below the $14,068 median for comparable institutions (same type and size).
In-state tuition is $5,656; out-of-state students pay $17,008. Borrowers who finish carry a median of $25,024 in federal student loans, $3,795 above the $21,229 peer median.
92.0% of federal aid recipients take federal loans. Parents who borrow hold a separate median of $10,892 in Parent PLUS loans.
If repaid over ten years, the median federal student debt corresponds to an estimated payment of $284 a month. It estimates costs and payments under different scenarios.
Student loans: what does repayment look like?
Borrowers who finish at Albany State University leave with a median of $25,024 in federal student loans. That median is $3,795 above the $21,229 median for comparable institutions (same type and size).
Federal borrowing is common here: 92.0% of federal aid recipients take federal loans. Parents who borrow through the Parent PLUS program hold a separate median of $10,892.
Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $54,096, at the 30th percentile nationally. That figure is $3,205 below the $57,301 median for comparable institutions (same type and size).
Graduates earn about $6,625 more than expects for similar students, a result at the 75th percentile. Earnings scenarios, estimated from Albany State University's program mix, range from a downside of $40,927 to an upside of $82,106, with a typical scenario of $54,096.
Borrowers who finish leave with a median of $25,024 in federal loans, $3,795 above the peer median. If repaid over ten years, that debt corresponds to an estimated payment of $284 a month.
For the separate population of parent borrowers, median Parent PLUS borrowing is $10,892. For student borrowers, the median federal 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
- $10,892
- Estimated parent payment
- $138/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $100,000 | Safe |
| $150,000 | Safe |
| $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
- $25,024
- Institution Parent PLUS debt
- $10,892
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $284/mo
- Estimated Parent PLUS payment · monthly
- $138/mo
- Modeled student + parent payments
- $422/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 $54,096, with a $22,590 annual allowance for basic expenses:
10.8% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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.