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Cost & financial aid brief

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# East Stroudsburg University of Pennsylvania Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/east-stroudsburg-university-of-pennsylvania/)Cost & aid[Outcomes](/school/east-stroudsburg-university-of-pennsylvania/outcomes/)[Admissions](/school/east-stroudsburg-university-of-pennsylvania/admissions/)[Majors](/school/east-stroudsburg-university-of-pennsylvania/majors/)[Similar schools](/school/east-stroudsburg-university-of-pennsylvania/similar/)

**On this page**+

## How much does East Stroudsburg University of Pennsylvania cost after financial aid?

East Stroudsburg University of Pennsylvania has a published annual cost of attendance of $27,917, and aid brings the average bill for recipients down but not below comparable colleges. The public university lists in-state tuition and fees of $11,536, out-of-state tuition and fees of $19,502, and room and board of $11,164.

For aid recipients, average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $18,134; aid offsets $9,783 of published cost on average. Comparable institutions (same type and size) have a peer median net price of $14,068, placing this university above that midpoint by $4,066.

Azimuth puts its affordability pillar in the 55th percentile among nonprofit four-year institutions. The published price, aid savings, and peer comparison all point to a cost above the comparable-college midpoint.

The affordability picture is middling, with costs and borrowing both higher than comparable public universities. Azimuth places East Stroudsburg University of Pennsylvania in the 55th percentile for affordability among nonprofit four-year institutions.

Its average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $18,134. That is $4,066 above the $14,068 peer median, the middle value for comparable institutions (same type and size).

For aid recipients, the average net price is $15,365 in the lowest income band and $22,892 in the highest. Federal-loan borrowers who completed had median federal student loan debt of $24,218, $2,989 above the $21,229 median at comparable institutions (same type and size). Higher prices and higher typical borrowing point in the same direction.

[Net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s differ across family-income bands, with the next-lowest band carrying the lowest average price after grants and scholarships. For families in the lowest band, average net price is $15,365; in the next-lowest band, it is $14,511; in the middle band, $17,382; in the next-highest band, $21,135; and in the highest band, $22,892.

Pell Grants reach 41.5% of undergraduates, providing financial-access context for the lowest band. Across the endpoints, $7,527 separates the band averages.

Average net price by family income

**$0–30K**
$15,365

**$30–48K**
$14,511

**$48–75K**
$17,382

**$75–110K**
$21,135

**$110K+**
$22,892

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$18,134**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

For the average aid recipient, aid covers about 35% of the published cost. The published-cost-to-average-net-price gap described above shows the broad effect of aid on recipient costs.

The two lower-income bands have lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s than the middle and upper bands, though the next-lowest band has the lowest listed average price. Prices then increase through the middle, next-highest, and highest bands.

That pattern describes how average aid-recipient costs vary by income band; it does not identify the grant amount or final bill for an individual family.

At East Stroudsburg University of Pennsylvania, the published cost of attendance is $27,917, and aid recipients face a wide range of prices by family income. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $15,365 in the lowest-income band; $14,511 in the next band; $17,382 in the middle band; $21,135 in the next-highest band; and $22,892 in the highest-income band.

The spread between the lowest and highest bands is $7,527. Azimuth places the affordability pillar in the 55th percentile among nonprofit four-year institutions.

Aid covers about 35% of the published cost for the average aid recipient, an offset of $9,783. Across all aid recipients, the average net price is $18,134.

The peer median, the middle value for comparable institutions (same type and size), is $14,068, with this university’s average $4,066 above it. Published in-state tuition is $11,536 and out-of-state tuition is $19,502, while room and board is $11,164.

Aid reduces the listed cost, but the average price remains above the comparable-institution median. Among borrowers who completed, median federal student loan debt is $24,218, and 93.2% of federal aid recipients borrow federal loans.

The peer median for comparable institutions (same type and size) is $21,229, leaving this median $2,989 above that figure. That debt corresponds to an estimated payment of $275 a month if repaid over ten years.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing for parent borrowers is $25,252.

## Student loans: what does repayment look like?

At East Stroudsburg University of Pennsylvania, 93.2% of federal aid recipients take federal loans, making borrowing common before completion. Among borrowers who complete, median federal student loan debt is $24,218.

For comparable institutions (same type and size), the peer median federal debt is $21,229; the university’s median is $2,989 above it. [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowers are a separate parent-borrower population, with median borrowing of $25,252.

The investment picture at East Stroudsburg University of Pennsylvania is shaped by earnings that run slightly below the peer median and debt that runs above it. Four years after completion, federally aided graduates who are working and not enrolled earn a median of $56,971, a figure at the 39th percentile among nonprofit four-year institutions.

Graduates earn about $2,509 less than the model expects for similar students, an outcome at the 46th percentile. Earnings scenarios estimated from the program mix range from $47,120 in a downside case to $77,127 in an upside case, with $56,971 as the typical scenario.

The median federal student debt at completion is $24,218, which is $2,989 above the $21,229 median for comparable institutions (same type and size). If repaid over ten years, that debt corresponds to an estimated payment of $275 a month.

The return picture is mixed: earnings sit below the peer median and below the model's expectation, while debt runs above the peer median.

Parent borrowers using PLUS loans had median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing of $25,252. For borrowers with median federal student debt, that debt corresponds to an estimated payment of $275 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**
$25,252

**Estimated parent payment**
$321/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 | 18.9% | High pressure |
| $100,000 | 8.5% | Caution |
| $150,000 | 4.0% | Safe |
| $200,000 | 2.6% | 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=east-stroudsburg-university-of-pennsylvania#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**
$24,218

**Institution Parent PLUS debt**
$25,252

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

**Estimated student payment · monthly**
$275/mo

**Estimated Parent PLUS payment · monthly**
$321/mo

**Modeled student + parent payments**
$596/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 $56,971, with a $23,940 annual allowance for basic expenses:

**10.0%** 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=east-stroudsburg-university-of-pennsylvania#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.