Cost & financial aid brief
Georgia Institute of Technology-Main Campus Tuition, Costs & Financial Aid
How much does Georgia Tech cost after financial aid?
Aid covers about 57% of the published cost for the average aid recipient, an offset of $16,051 against the sticker price. Across income bands, the average net price is $7,666 for families earning under $30,000, $7,209 for the $30,001–$48,000 band, $10,818 for $48,001–$75,000, $15,088 for $75,001–$110,000, and $17,396 for families earning over $110,000.
The two lowest bands are nearly identical, while the price steps up more sharply above $75,000, a pattern that coincides with the largest discounts flowing to the lowest-income families. The spread between the lowest and highest bands is $9,730, a difference of averages that shows aid is concentrated on families with lower incomes.
Georgia Institute of Technology-Main Campus publishes a cost of attendance of $28,167. For families earning under $30,000, the average net price is $7,666; for the $48,001–$75,000 band it is $10,818; and for families earning over $110,000 it is $17,396.
The spread between the lowest and highest bands is $9,730. Azimuth ranks the university #333 for affordability among nonprofit four-year institutions.
Aid covers about 57% of the published cost for the average aid recipient, an offset of roughly $16,051. The average net price across all aid recipients is $12,116, which is below the median of $15,634 for comparable institutions (same type and size) by $3,518.
The median federal student debt at completion is $21,672, with about 81.4% of federal aid recipients borrowing. That figure is above the peer median of $20,076 by $1,596.
Median Parent PLUS borrowing stands at $32,216. The median federal student debt corresponds to an estimated payment of $246 a month if repaid over ten years.
Student loans: what does repayment look like?
Completers who borrowed federally at Georgia Institute of Technology-Main Campus carry a median balance of $21,672. Against comparable institutions (same type and size), the university's median stands above the $20,076 peer median by $1,596.
81.4% of federal aid recipients draw federal loans. The median Parent PLUS obligation for parent borrowers stands at $32,216.
In its 2025-26 Common Data Set, the university reported that 27% of graduates borrowed from any source, averaging $25,348 per borrower. Of those graduates, 26% held federal loans averaging $18,587, including 4% with private loans averaging $40,877.
The earnings picture at Georgia Institute of Technology-Main Campus starts with a median of $119,180 four years after completion, placing the university in the 99th percentile among nonprofit four-year institutions. Graduates earn about $13,842 more than expects for similar students, an outcome that sits in the 90th percentile among nonprofit four-year institutions.
Scenarios built from the school's program mix point to a typical earnings figure of $119,180, while the downside scenario lands at $80,745 and the upside scenario reaches $147,525. On the borrowing side, the median federal student debt at completion is $21,672, which runs above the $20,076 median for comparable institutions (same type and size).
If repaid over ten years, that debt corresponds to an estimated monthly payment of $246.
Median Parent PLUS borrowing, a separate parent-borrower population, is $32,216. The estimated monthly student payment if repaid over ten years is $246.
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
- $32,216
- Estimated parent payment
- $409/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $21,672
- Institution Parent PLUS debt
- $32,216
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $246/mo
- Estimated Parent PLUS payment · monthly
- $409/mo
- Modeled student + parent payments
- $655/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 $119,180, with a $22,590 annual allowance for basic expenses:
3.1% 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
These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $22,590, uses the published framework’s 2024 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.