Cost & financial aid brief
CUNY Bernard M Baruch College Tuition, Costs & Financial Aid
How much does Baruch College cost after financial aid?
Aid covers about 79% of the published cost for the average aid recipient at CUNY Bernard M Baruch College, a reduction of $11,137 from the sticker price. The pattern across income bands is relatively flat.
The lowest-income band averages $607 while the highest band averages $12,314, a spread of $11,707 between the two ends. In its 2024-25 Common Data Set, the university reported that 2,345 first-year students were determined to have financial need in the 2024-25 academic year.
For those who received need-based aid, the average share of need met was 57%, with an average need-based grant of $9,866. Of the students with need, 97 had their need fully met.
CUNY Bernard M Baruch College publishes a cost of attendance of $14,170. For families earning under $30,000, the average net price is $607; for the $48,001–$75,000 band it is $6,312; and for families earning over $110,000 it is $12,314.
The spread between the lowest and highest bands is $11,707. Azimuth ranks CUNY Bernard M Baruch College #20 for affordability among nonprofit four-year institutions.
Aid covers about 79% of the published cost for the average aid recipient, an average offset of $11,137. The average net price across all aid recipients is $3,033.
Among comparable institutions (same type and size), the peer median net price is $15,634, which puts Baruch below by $12,601. The median federal student loan debt at completion is $11,512, with about 21.2% of federal aid recipients borrowing.
The peer median debt for comparable institutions is $20,076, so Baruch graduates carry below debt by $8,564. Median Parent PLUS borrowing stands at $20,000.
The median federal student debt corresponds to an estimated payment of $131 a month if repaid over ten years.
Student loans: what does repayment look like?
Borrowing at CUNY Bernard M Baruch College is concentrated among a small share of students: 21.2% of undergraduates take federal loans, and the median federal debt at completion is $11,512. Compared with the $20,076 median at comparable institutions (same type and size), the university's median is below by $8,564.
For a separate population of parent borrowers, the median Parent PLUS loan is $20,000. In its 2024-25 Common Data Set, the university reported that 13% of bachelor's graduates borrowed from any source, with an average cumulative principal of $3,810 per borrower.
Of those graduates, 12% held federal loans averaging $3,298, while 2% held private loans averaging $5,495.
CUNY Bernard M Baruch College combines earnings that outpace prediction with borrowing that runs well below the peer median. The result is a return pillar at the 92nd percentile, even as affordability and access sit higher.
Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $82,748. Graduates earn about $23,537 more than the model expects for similar students, an outcome at the 98th percentile.
Earnings scenarios, estimated from the program mix, range from $65,093 in a downside case to $89,537 in an upside case, with $82,748 as the typical outcome. Borrowers who finish carry a median of $11,512 in federal student loans, $8,564 below the $20,076 median for comparable institutions (same type and size).
If repaid over ten years, that debt corresponds to an estimated payment of $131 a month.
Median Parent PLUS borrowing, a separate parent-borrower population, is $20,000. The estimated monthly student payment if repaid over ten years is $131.
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
- $20,000
- Estimated parent payment
- $254/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 15.0% | High pressure |
| $100,000 | 6.7% | Caution |
| $150,000 | 3.2% | Safe |
| $200,000 | 2.1% | 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. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $11,512
- Institution Parent PLUS debt
- $20,000
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $131/mo
- Estimated Parent PLUS payment · monthly
- $254/mo
- Modeled student + parent payments
- $385/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 $82,748, with a $23,940 annual allowance for basic expenses:
2.7% 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
The income spectrum compares the estimated student payment with the income left after the selected annual expense allowance. Changing the earnings scenario or allowance changes that comparison; parent payments are not included in this calculation.
The earnings choices are planning scenarios, not observed earnings percentiles or predictions of an individual graduate’s pay. The allowance is an adjustable model input, not a verified budget for your household.
Read the result as a comparison under those assumptions, not a guarantee that a payment is affordable.
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.
Federal student and Parent PLUS borrowing figures do not capture all private education loans. A federal balance therefore should not be described as a family’s complete borrowing total.
Annual loan awards in a Common Data Set, when available, answer a different question from accumulated borrower debt. Compare amounts only after identifying the loan type, reporting period and population; annual school-wide awards cannot be added to a median borrower balance.
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.