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Cost & financial aid brief

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# Albany State University Tuition, Costs & Financial Aid

Updated October 1, 2026

[Overview](/school/albany-state-university/)Cost & aid[Outcomes](/school/albany-state-university/outcomes/)[Admissions](/school/albany-state-university/admissions/)[Majors](/school/albany-state-university/majors/)

**On this page**+

## How much does Albany State University cost after financial aid?

The published cost of attendance at Albany State University is $19,333. In-state students pay $5,656 in tuition and fees, while out-of-state students pay $17,008.

Room and board adds $11,899. For the average recipient, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $11,898, a reduction of $7,435 from the published cost.

That average net price sits $2,170 below the $14,068 median for comparable institutions (same type and size). Azimuth ranks the university #334 for affordability among nonprofit four-year institutions. That places the affordability pillar in the 76th percentile.

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—what aid recipients pay after grants and scholarships—is $11,898 at Albany State University, which is $2,170 below the median for comparable institutions (same type and size). Azimuth places the affordability pillar in the 76th percentile among nonprofit four-year institutions.

After grants and scholarships, aid recipients in the lowest income band pay $10,693 on average. Those in the highest band pay $17,324.

The spread between them is $6,631. The median federal debt among borrowers who finish is $25,024, $3,795 above the median for comparable institutions (same type and size).

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) increases across the family-income bands. It is $10,693 for families earning under $30,000; $11,147 for those earning $30,001–$48,000; $13,785 for $48,001–$75,000; $16,419 for $75,001–$110,000; and $17,324 for families earning over $110,000. The spread between the lowest and highest bands is $6,631.

Average net price by family income

**$0–30K**
$10,693

**$30–48K**
$11,147

**$48–75K**
$13,785

**$75–110K**
$16,419

**$110K+**
$17,324

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$11,898**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 38% of the published cost for the average aid recipient. The pattern across income bands shows lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$10,892

**Estimated parent payment**
$138/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## 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

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
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=albany-state-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.