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Cost & financial aid brief

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# Georgia College & State University Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/georgia-college-state-university/)Cost & aid[Outcomes](/school/georgia-college-state-university/outcomes/)[Admissions](/school/georgia-college-state-university/admissions/)[Majors](/school/georgia-college-state-university/majors/)[Similar schools](/school/georgia-college-state-university/similar/)

**On this page**+

## How much does Georgia College & State University cost after financial aid?

At Georgia College & State University, the price after grant aid remains above the typical cost at comparable public universities. The published cost of attendance is $30,258, with in-state tuition and fees of $9,186 and room and board of $12,302.

Out-of-state tuition and fees are $29,512. For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $20,686.

Financial aid reduces the published cost by $9,572 on average. Comparable institutions (same type and size) have a peer median net price of $14,068, and this university's average is $6,618 above that level.

Azimuth places affordability in the 59th percentile among nonprofit four-year institutions. The moderate affordability standing sits alongside an average net price above the peer median.

Aid covers about 32% of the published cost for the average aid recipient at Georgia College & State University. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $20,686, which is $6,618 above the median for comparable institutions (same type and size).

Aid recipients from families earning under $30,000 have an average net price of $15,396, and those from families earning over $110,000 have an average net price of $23,216. Borrowers who complete a degree hold a median of $22,250 in federal student loans, $1,021 above the median for comparable institutions.

Azimuth places the university in the 59th percentile for affordability among nonprofit four-year institutions.

Prices after grant aid are lowest for families in the lowest listed income band and increase across the range. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $15,396 for families earning under thirty thousand dollars, $16,772 for families earning from thirty thousand one dollars to forty-eight thousand dollars, $19,179 from forty-eight thousand one dollars to seventy-five thousand dollars, $22,294 from seventy-five thousand one dollars to one hundred ten thousand dollars, and $23,216 above one hundred ten thousand dollars.

Pell Grants reach 17.6% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $7,820.

Average net price by family income

**$0–30K**
$15,396

**$30–48K**
$16,772

**$48–75K**
$19,179

**$75–110K**
$22,294

**$110K+**
$23,216

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$20,686**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid offsets part of the published price, but the remaining average cost is materially different across family-income bands. Aid covers about 32% of the published cost for the average aid recipient.

The sticker-to-net gap is an average reduction, not a promise of the amount any family will receive. The band averages place the lowest listed family-income group below every higher group, with the upper bands carrying the highest average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s.

That ordering shows a pattern of lower average prices for lower-income aid recipients rather than a uniform discount across incomes. The aid share and income-band pattern point in the same direction: grant aid reduces published cost, with the largest average reductions concentrated in the lower listed income bands.

The published cost of attendance at Georgia College & State University is $30,258, before grants and scholarships alter the price 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 $15,396 for the lowest-income family band, $16,772 for the lower-middle-income band, $19,179 for the middle-income band, $22,294 for the upper-middle-income band, and $23,216 for the highest-income family band.

The spread between the lowest and highest bands is $7,820. Azimuth ranks the university #585 for affordability among nonprofit four-year institutions.

For the average aid recipient, aid covers about 32% of the published cost, an average savings of $9,572. Across all aid recipients, the average net price is $20,686.

That figure is $6,618 above the peer median of $14,068 at comparable institutions (same type and size). Published in-state tuition is $9,186, out-of-state tuition is $29,512, and room and board is $12,302.

Aid reduces the published price, though the average net price remains above that of comparable institutions. Among federal-loan borrowers who completed, median federal student loan debt is $22,250.

This is $1,021 above the $21,229 peer median at comparable institutions (same type and size), and 89.4% of federal aid recipients borrow federal loans. That debt corresponds to an estimated payment of $253 a month if repaid over ten years.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $15,753.

## Student loans: what does repayment look like?

At Georgia College & State University, federal borrowing is widespread: 89.4% of federal aid recipients take federal loans, and borrowers who complete have median federal student loan debt of $22,250. Among comparable institutions (same type and size), the peer median is $21,229, with the university’s median $1,021 above that benchmark.

For the separate parent-borrower population, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $15,753. The high borrowing share and debt level above the peer benchmark point to federal loans as a common part of the completion path.

Mobility is the strongest pillar at Georgia College & State University, though the investment picture has competing signals: earnings are relatively high, but the model expects more. Federally aided completers who are working and not enrolled earn a median of $62,852 four years after completion, in the 60th percentile among nonprofit four-year institutions.

[Earnings beyond expectations](/analysis/a-value-added-approach-to-college-outcomes/), the gap between what graduates earn and what the model expects for similar students: Graduates earn about $6,939 less than the model expects for similar students. Azimuth places that measure in the 29th percentile among nonprofit four-year institutions.

Earnings scenarios range from $49,368 in the downside scenario to $84,321 in the upside scenario, with $62,852 as the typical scenario. Median federal student loan debt at completion is $22,250, $1,021 above the peer median of $21,229 at comparable institutions (same type and size).

That debt corresponds to an estimated payment of $253 a month if repaid over ten years. Above-peer earnings and debt sit alongside lower-than-expected earnings.

Among parents who borrowed through [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/), median borrowing was $15,753. For student borrowers, the median federal debt corresponds to an estimated payment of $253 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**
$15,753

**Estimated parent payment**
$200/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 | 11.8% | High pressure |
| $100,000 | 5.3% | Safe |
| $150,000 | 2.5% | 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](/financial-gps/?tool=parent&school=georgia-college-state-university#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**
$22,250

**Institution Parent PLUS debt**
$15,753

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

**Estimated student payment · monthly**
$253/mo

**Estimated Parent PLUS payment · monthly**
$200/mo

**Modeled student + parent payments**
$453/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 $62,852, with a $23,940 annual allowance for basic expenses:

**7.8%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
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=georgia-college-state-university#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.