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Cost & financial aid brief

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# Baker College Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does Baker College cost after financial aid?

At Baker College, affordability is the clearest part of the published price picture: aid recipients face an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, of $13,157. This is an average across recipients, not a quote for any particular family.

The published cost of attendance is $24,526, including tuition and fees of $13,000 and room and board of $7,600. Aid reduces that published amount by $11,369 on average.

At comparable institutions (same type and size), the peer median net price is $27,371, and Baker’s net price sits $14,214 below that median. Azimuth ranks Baker College #346 for affordability among nonprofit four-year institutions.

The lower after-aid cost and affordability rank point in the same direction for families weighing price.

At Baker College, average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—what aid recipients pay after grants and scholarships—is $13,157, $14,214 below the peer median of $27,371 for comparable institutions (same type and size). Azimuth puts its affordability pillar in the 76th percentile among nonprofit four-year institutions.

Across the lowest, lower-middle, middle, upper-middle, and highest family-income bands, average net prices are $11,976, $11,362, $12,546, $13,754, and $17,964. Borrowing completers have median federal student loan debt of $25,000, $801 above the $24,199 peer median for comparable institutions (same type and size). This pairs lower prices with higher borrowing.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s differ across the reported family-income bands. Families in the lowest reported band average $11,976; the next-lowest band, $11,362; the middle band, $12,546; the next-highest band, $13,754; and the highest band, $17,964.

Pell Grants reach 37.7% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $5,988.

Average net price by family income

**$0–30K**
$11,976

**$30–48K**
$11,362

**$48–75K**
$12,546

**$75–110K**
$13,754

**$110K+**
$17,964

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$13,157**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for first-time, full-time aid recipients is $13,157, against a published cost of $24,526. Aid covers about 46% of the published cost for the average aid recipient.

The pattern across income bands is relatively flat. Average net prices range from $11,976 in the lowest band to $17,964 in the highest, a spread of $5,988.

The middle bands sit close together, with families earning $30,001–$48,000 averaging $11,362 and those earning $48,001–$75,000 averaging $12,546. That narrow spread means the aid formula does not sharply differentiate by income here.

A family in the lowest band pays only a few thousand dollars less on average than a family in the highest.

Baker College posts a published cost of attendance of $24,526, yet average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s for aid recipients fall below that sticker price across every family-income band. Those averages—what families pay after grants and scholarships—are $11,976 in the lowest band, $11,362 in the lower-middle, $12,546 in the middle, $13,754 in the upper-middle, and $17,964 in the highest.

The spread between the lowest and highest bands is $5,988. Azimuth ranks the university #346 for affordability among nonprofit four-year institutions.

For the average aid recipient, aid covers about 46% of the published cost, a savings of $11,369 against the sticker price. The average net price across all aid recipients is $13,157.

The peer median net price, the middle value for comparable institutions (same type and size), is $27,371, placing the university $14,214 below that benchmark. Tuition and fees are $13,000 and room and board are $7,600.

The aid savings and below-peer net price point the same way on affordability. For federal-loan borrowers who complete, median federal student loan debt is $25,000, and 74.6% of federal aid recipients borrow federal loans.

That median sits $801 above the peer median of $24,199 for comparable institutions (same type and size). 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 $9,540.

## Student loans: what does repayment look like?

Federal borrowing is common at Baker College, and its median debt is slightly higher than the comparable-school benchmark. Federal loans are used by 74.6% of federal aid recipients.

Among borrowers who completed, median federal student loan debt at completion is $25,000. The peer median, the middle value for comparable institutions (same type and size), is $24,199, placing Baker College $801 above it.

Parent borrowers are a separate population; their median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $9,540.

Baker College’s affordability stands apart from a more restrained return picture, where earnings and borrowing warrant equal attention. Graduates working and not enrolled have median earnings of $53,754 four years after completion.

Azimuth places that earnings figure in the 28th percentile among nonprofit four-year institutions. Graduates earn about $2,741 less than the model expects for similar students.

[Earnings beyond expectations](/analysis/a-value-added-approach-to-college-outcomes/), the gap between what graduates earn and what the model expects for similar students, sits in the 45th percentile among nonprofit four-year institutions. Earnings scenarios put earnings at $48,974 in a downside case, $53,754 in a typical case, and $79,420 in an upside case.

Median federal debt is $25,000, $801 above the peer median of $24,199. That debt corresponds to an estimated payment of $284 a month if repaid over ten years.

The return picture is mixed: modeled earnings fall short of expectations, and median debt sits above peers.

Parent borrowers have median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing of $9,540. 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**
$9,540

**Estimated parent payment**
$121/mo

Modeled Parent PLUS pressure by income

| Household income | Share of income above basic expenses | Risk level |
| --- | --- | --- |
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 7.1% | Caution |
| $100,000 | 3.2% | Safe |
| $150,000 | 1.5% | Safe |
| $200,000 | 1.0% | Safe |

The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. [Open the parent tool for your own numbers](/financial-gps/?tool=parent&school=baker-college#parent-tool). [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**
$9,540

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$284/mo

**Estimated Parent PLUS payment · monthly**
$121/mo

**Modeled student + parent payments**
$405/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 $53,754, with a $23,940 annual allowance for basic expenses:

**11.4%** 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, $23,940, uses the published framework’s 2026 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=baker-college#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.