Cost & financial aid brief
Binghamton University Tuition, Costs & Financial Aid
How much does Binghamton cost after financial aid?
At Binghamton University, the published cost is $30,345, while aid recipients have an average net price of $21,620. The average aid offset is $8,725, and aid covers about 29% of the published cost for the average aid recipient.
Average net price varies by family-income band: $12,171 for the lowest band, $15,281 for the next band, $20,347 for the middle band, $23,533 for the next-highest band, and $28,475 for the highest band. The $16,304 difference between the lowest and highest bands shows lower average prices for lower-income aid recipients.
At Binghamton University, published cost of attendance is $30,345, but aid recipients’ costs vary substantially by family-income band. Average net price, what aid recipients pay after grants and scholarships, is $12,171 for the lowest family-income band; $15,281 for the next band; $20,347 for the middle band; $23,533 for the next-highest band; and $28,475 for the highest family-income band.
The spread between the lowest and highest bands is $16,304. Azimuth ranks Binghamton University #577 for affordability among nonprofit four-year institutions.
Aid covers about 29% of the published cost for the average aid recipient, and average aid savings against the sticker price are $8,725. Across all aid recipients, the average net price is $21,620.
The peer median, the middle value for comparable institutions (same type and size), is $15,634, making Binghamton’s average net price $5,986 above that benchmark. Aid offsets part of the published cost, though the overall average sits above the peer median.
Federal borrowing at completion is below the comparable-institution median, though 88.9% of federal aid recipients borrow federal loans. Borrowers who complete have median federal student loan debt of $18,500, compared with $20,076 at comparable institutions (same type and size), a difference of $1,576 below the peer figure.
That debt corresponds to an estimated payment of $210 a month if repaid over ten years. Parent borrowers have median Parent PLUS borrowing of $27,270.
Student loans: what does repayment look like?
Federal borrowing is widespread, but median debt at completion sits below the comparable-institution figure. Among federal-loan borrowers who completed, median federal student loan debt was $18,500.
88.9% of federal aid recipients take federal loans. At comparable institutions (same type and size), the peer median federal debt is $20,076; the university's median is below it by $1,576.
For the separate population of Parent PLUS parent borrowers, median borrowing was $27,270. In its 2025-26 Common Data Set, the university reported that 52% of graduates borrowed from any source, with average cumulative debt of $29,027 per borrower.
Of whom, 51% of graduates had federal loans, averaging $20,238. 13% of graduates had private loans, averaging $8,789.
Binghamton University shows a favorable earnings-and-debt picture: median earnings are $80,304 four years after completion for federally aided completers who are working and not enrolled. Azimuth places those earnings in the 89th percentile among nonprofit four-year institutions.
Graduates earn about $1,341 more than expects for similar students. Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, fall in the 59th percentile among nonprofit four-year institutions.
Earnings scenarios based on the program mix range from $59,210 in a downside case to $108,339 in an upside case, with a typical scenario of $80,304. Median federal student loan debt at completion is $18,500, below the peer median, the middle value for comparable institutions (same type and size), of $20,076.
That debt corresponds to an estimated payment of $210 a month if repaid over ten years. Higher earnings and lower borrowing point in the same direction.
For Parent PLUS borrowers, a separate parent-borrower population, median borrowing is $27,270. For student borrowers, that debt corresponds to an estimated payment of $210 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
- $27,270
- Estimated parent payment
- $346/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $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
- $18,500
- Institution Parent PLUS debt
- $27,270
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $210/mo
- Estimated Parent PLUS payment · monthly
- $346/mo
- Modeled student + parent payments
- $556/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 $80,304, with a $22,590 annual allowance for basic expenses:
4.4% 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.