CUNY Bernard M Baruch College demonstrates exceptional affordability with a published cost of attendance of $13,521 per year for in-state students, including $7,464 in tuition, minimal room and board costs due to its commuter-focused model, and $1,500 for books and supplies. Out-of-state students face higher tuition of $15,414.
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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) | $14,170 |
| Tuition and Fees | $15,414 |
| Room and Board | $18,832 |
| Books and Supplies | $1,500 |
| Average Financial Aid (Grants and Scholarships) | -$11,137 |
| Average Net Price (What Families Pay) | $3,033 |
| Family Income | Net Price |
|---|---|
| $0–30k | $607 |
| $30–48k | $2,052 |
| $48–75k | $6,312 |
| $75–110k | $8,623 |
| $110k+ | $12,314 |
CUNY Bernard M Baruch College demonstrates exceptional affordability with a published cost of attendance of $13,521 per year for in-state students, including $7,464 in tuition, minimal room and board costs due to its commuter-focused model, and $1,500 for books and supplies. Out-of-state students face higher tuition of $15,414. However, the average student pays just $2,978 after financial aid, representing savings of $10,543 from the published price.
This net price of $2,978 falls dramatically below the peer median of $15,590, a difference of $12,612 annually. The institution's urban location allows many students to live at home, further reducing total costs compared to residential colleges. Financial aid effectiveness varies significantly by family income, with the lowest-income students paying only $745 annually.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
CUNY Bernard M Baruch College maintains exceptionally low student debt levels that support long-term financial stability. Median student debt reaches just $11,512, with debt ranging from $4,500 at the 25th percentile to $16,500 at the 75th percentile.
This debt profile ranks in the 89th percentile nationally, indicating outstanding performance in debt management. Compared to the peer median debt of $20,000, Baruch students borrow $8,488 less on average, a significant advantage for post-graduation financial health.
The debt-to-earnings ratio of 0.15 indicates highly manageable borrowing relative to earning potential, well below concerning levels. Parent PLUS borrowers carry median debt of $19,188 with monthly payments of $253, though this affects a smaller portion of families given the institution's low overall costs.
How cost compares to graduate earnings and value added.
Baruch College represents an exceptional educational investment, combining strong outcomes with minimal financial burden. Graduates earn $26,320 beyond expectations relative to their backgrounds, ranking in the 96.4th percentile nationally for value creation.
With median earnings of $75,971 compared to peer median earnings of $60,543, graduates earn $15,428 more annually than similar institution counterparts. The debt-to-earnings ratio of 0.15 indicates highly sustainable borrowing levels that support rather than constrain post-graduation opportunities.
Students achieve these outcomes while maintaining median debt of $11,512, significantly below typical borrowing levels. The institution's top 5 ranking nationally for value-added earnings demonstrates consistent ability to enhance student outcomes regardless of background.
Baruch College's financial aid profile reflects its commitment to serving diverse student populations with significant financial need. With 55.3% of students receiving Pell grants, the institution serves far more lower-income students than typical selective colleges.
The dramatic difference between sticker prices and net costs—$10,543 in average savings—demonstrates effective need-based aid distribution. Lower-income students receive aid that covers nearly all costs, while middle-income families see substantial reductions from published prices.
The aid structure enables broad access while maintaining the institution's educational mission and quality. Students from families across income levels find Baruch financially accessible, though the greatest benefits flow to those with the highest need.
