Cost & financial aid brief
Florida Agricultural and Mechanical University Tuition, Costs & Financial Aid
How much does Florida Agricultural and Mechanical University cost after financial aid?
In its 2025-26 Common Data Set, Florida Agricultural and Mechanical University reported an average 61% of need met for first-year aid recipients with need in the 2025-26 academic year. Average need-based grants were $8,644, and average aid packages were $16,264.
Of 1,111 first-year students determined to have need, 125 had it fully met. The published cost of attendance is $23,970, but aid recipients have an average net price, what aid recipients pay after grants and scholarships, of $13,739.
Aid savings of $10,231 cover about 43% of the published cost for the average aid recipient. From the lowest through highest income bands, average net prices are $13,299, $10,921, $15,269, $18,325, and $20,332.
The spread between the lowest and highest bands is $7,033, showing lower average net prices in the lower income bands.
With a published cost of attendance of $23,970, Florida Agricultural and Mechanical University has net prices that range across family-income bands. The average net price, what aid recipients pay after grants and scholarships, is $13,299 for the lowest family-income band; $10,921 for the next band; $15,269 for the middle band; $18,325 for the next-highest band; and $20,332 for the highest family-income band.
The spread between the lowest and highest bands is $7,033. Azimuth ranks the university #373 for affordability among nonprofit four-year institutions.
For the average aid recipient, financial aid offsets $10,231 from the published cost, and aid covers about 43% of the published cost for the average aid recipient. Across all aid recipients, the average net price is $13,739.
The peer median, the middle value for comparable institutions (same type and size), is $14,068, placing the university $329 below that benchmark. Its overall aid-recipient price sits modestly below the comparable-school median.
At completion, federal student loan borrowers have median debt of $23,548. The peer median debt for comparable institutions (same type and size) is $21,229, so the university is $2,319 above the peer figure.
An estimated 85.0% of federal aid recipients borrow federal loans. That debt corresponds to an estimated payment of $268 a month if repaid over ten years.
Median Parent PLUS borrowing is $16,223.
Student loans: what does repayment look like?
Federal borrowing is widespread: 85.0% of federal aid recipients take federal loans, and completers who borrowed have median federal student loan debt of $23,548. The median is $2,319 above the $21,229 peer median at comparable institutions (same type and size).
For the separate population of parent borrowers, median Parent PLUS borrowing is $16,223. In its 2025-26 Common Data Set, the university reported that 68% of graduates borrowed from any source, averaging $22,801 in cumulative debt per borrower.
The graduate figures include 67% with federal loans averaging $21,305. They also include 7% of graduates with private loans averaging $19,878.
Access is the strongest at Florida Agricultural and Mechanical University, yet its investment picture asks readers to weigh earnings against borrowing. Graduates working and not enrolled have median earnings of $52,657 four years after completion.
Azimuth places those earnings in the 26th percentile among nonprofit four-year institutions. Graduates earn about $4,581 less than expects for similar students.
Azimuth places earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, in the 38th percentile among nonprofit four-year institutions. The earnings scenarios show a typical scenario matching the reported median, with a downside scenario of $41,812 and an upside scenario of $67,547.
Median federal debt at completion is $23,548, above the peer median, the middle value for comparable institutions (same type and size), of $21,229 by $2,319. That debt corresponds to an estimated payment of $268 a month if repaid over ten years.
Lower-than-expected earnings and higher borrowing relative to comparable institutions point in the same direction.
Family borrowing can include a separate parent loan. At Florida Agricultural and Mechanical University, Parent PLUS borrowers have median federal borrowing of $16,223, a figure for a separate parent-borrower population.
Median federal student debt corresponds to an estimated payment of $268 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
- $16,223
- Estimated parent payment
- $206/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 | 12.1% | High pressure |
| $100,000 | 5.5% | Safe |
| $150,000 | 2.6% | Safe |
| $200,000 | 1.7% | 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
- $23,548
- Institution Parent PLUS debt
- $16,223
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $268/mo
- Estimated Parent PLUS payment · monthly
- $206/mo
- Modeled student + parent payments
- $474/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 $52,657, with a $23,940 annual allowance for basic expenses:
11.2% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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, $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.
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.