Binghamton University's published cost of attendance reaches $29,657 per year, including $10,363 in-state tuition, $18,294 for room and board, and $1,000 for books and supplies. However, the average student pays just $21,364 after financial aid, representing savings of $8,293 from the sticker price.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $30,345 |
| Tuition and Fees | $30,447 |
| Room and Board | $18,809 |
| Books and Supplies | $1,000 |
| Average Financial Aid (Grants and Scholarships) | -$8,725 |
| Average Net Price (What Families Pay) | $21,620 |
| Family Income | Net Price |
|---|---|
| $0–30k | $12,171 |
| $30–48k | $15,281 |
| $48–75k | $20,347 |
| $75–110k | $23,533 |
| $110k+ | $28,475 |
Binghamton University's published cost of attendance reaches $29,657 per year, including $10,363 in-state tuition, $18,294 for room and board, and $1,000 for books and supplies. However, the average student pays just $21,364 after financial aid, representing savings of $8,293 from the sticker price. This net price positioning varies significantly by family income, with the university providing substantial aid to lower-income families while maintaining moderate costs for middle and upper-income students.
Compared to the peer median net price of $15,590, Binghamton costs $5,774 more annually, reflecting its positioning as a selective public institution with higher costs than typical public universities. The cost structure reflects Binghamton's investment in academic quality and student services, with the premium over peer institutions balanced by strong post-graduation earnings outcomes. Students should evaluate these costs within the context of Binghamton's selectivity and outcomes, as the institution delivers strong return on investment despite higher upfront costs.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Binghamton University graduates carry median debt of $18,500, positioning in the 77th percentile nationally and $1,500 below the peer median of $20,000. Debt levels range from $8,250 at the 25th percentile to $25,600 at the 75th percentile, indicating controlled borrowing across most students with some variation based on individual financial circumstances and program length.
The debt-to-earnings ratio of 0.23 indicates that typical graduates carry debt equivalent to roughly one-quarter of their first-year earnings, representing manageable levels that support long-term financial stability. Parent PLUS borrowing averages $24,009 with monthly payments of $316, indicating moderate family borrowing for those who choose this option.
How cost compares to graduate earnings and value added.
Binghamton University delivers strong return on investment through the combination of manageable debt levels and above-average earnings outcomes. Graduates earn $3,967 beyond expectations at the 70.7th percentile, indicating the institution adds meaningful value relative to similar students and programs.
With median earnings of $80,596 ranking at the 94th percentile nationally, graduates achieve strong post-graduation financial outcomes that support debt service and long-term wealth building. The favorable debt-to-earnings ratio of 0.23, combined with debt levels below peer medians, creates sustainable financial foundations for career advancement.
Compared to peer institutions with median earnings of $60,543, Binghamton graduates earn $20,053 more annually, representing substantial return advantage that justifies moderate cost premiums. The institution's top-tier performance flags for median earnings demonstrate consistent outcomes across graduating cohorts.
Binghamton University enrolls 27.5% Pell-eligible students, indicating substantial commitment to serving lower-income families despite selective admission standards. The $8,293 average financial aid savings brings costs down from the $29,657 sticker price to a $21,364 net price, representing meaningful aid distribution across income levels.
The progressive net price structure, with lowest-income families paying $12,916 compared to highest-income families paying $28,008, demonstrates targeted aid that prioritizes affordability for those with greatest financial need. This aid structure supports the university's ability to enroll diverse student populations while maintaining selective academic standards.
The combination of meaningful Pell enrollment and substantial aid savings indicates that financial barriers don't prevent access for qualified students from lower-income backgrounds, though families should carefully evaluate their specific financial circumstances when planning for college costs.
The combination of below-peer debt levels and strong earnings outcomes creates favorable conditions for post-graduation financial health. Students benefit from controlled borrowing that doesn't compromise their ability to service debt from post-graduation earnings, while the university's strong earnings outcomes provide capacity to manage typical debt levels without financial stress.
