Indiana University-Bloomington's published cost of attendance totals $27,361 annually, including $11,790 in-state tuition, $13,380 for room and board, and $690 for books and supplies. Out-of-state students face tuition of $40,482, significantly increasing total attendance costs.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $27,361 |
| Tuition and Fees | $40,482 |
| Room and Board | $13,380 |
| Books and Supplies | $690 |
| Average Financial Aid (Grants and Scholarships) | -$12,019 |
| Average Net Price (What Families Pay) | $15,342 |
| Family Income | Net Price |
|---|---|
| $0–30k | $6,125 |
| $30–48k | $7,383 |
| $48–75k | $12,311 |
| $75–110k | $20,828 |
| $110k+ | $24,018 |
Indiana University-Bloomington's published cost of attendance totals $27,361 annually, including $11,790 in-state tuition, $13,380 for room and board, and $690 for books and supplies. Out-of-state students face tuition of $40,482, significantly increasing total attendance costs. However, the average student pays substantially less through financial aid, with net price averaging $15,342 after aid consideration.
Financial aid provides average savings of $12,019, reducing costs by nearly 44% from the sticker price. The university's net price of $15,342 sits $248 above the peer median of $15,590, indicating costs align closely with similar large public research universities. This pricing structure reflects typical flagship public university economics, where published prices appear substantial but financial aid meaningfully reduces actual costs for most families.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Indiana University-Bloomington graduates carry median debt of $19,509, ranking at the 72nd percentile nationally and sitting $491 below the peer median of $20,000. Debt levels range from $7,110 at the 25th percentile to $27,000 at the 75th percentile, indicating variation in borrowing patterns across different student populations and program lengths.
The debt distribution shows most graduates borrow moderate amounts, with the interquartile range spanning approximately $20,000. Parent PLUS borrowing averages $27,060 with monthly payments of $356, reflecting additional family borrowing beyond student loan limits.
The debt-to-earnings ratio of 0.31 indicates that graduates typically allocate about 31 cents of every dollar earned toward managing educational debt, representing reasonable borrowing levels relative to income outcomes. Compared to peer institutions, Indiana University-Bloomington graduates emerge with slightly lower debt burdens while earning $3,199 more annually, creating favorable debt-to-income dynamics.
How cost compares to graduate earnings and value added.
Indiana University-Bloomington delivers solid return on educational investment through the combination of controlled costs, reasonable debt levels, and strong absolute earnings outcomes. Graduates earn $63,742 ten years after enrollment, ranking at the 79th percentile nationally and exceeding peer medians by $3,199 annually.
While graduates earn $9,501 below expectations relative to similar student populations, the absolute earnings level remains competitive and supports favorable debt-to-earnings ratios. The university's debt-to-earnings ratio of 0.31 indicates manageable borrowing relative to income outcomes, creating conditions that support long-term financial stability.
Net pricing averages $15,342, aligning closely with peer institutions while producing above-average earnings outcomes. The investment profile reflects solid value delivery through accessible admission standards, controlled debt accumulation, and strong absolute earnings that exceed typical flagship public university outcomes.
Indiana University-Bloomington serves 16.7% Pell-eligible students, indicating moderate enrollment of students from the lowest-income families nationally. This Pell share reflects the university's position as a Selective Achiever that enrolls fewer low-income students relative to access-focused institutions but maintains meaningful economic diversity.
The substantial $12,019 average financial aid savings demonstrates active aid distribution, though aid concentration appears targeted toward traditional middle-class families rather than maximizing low-income access. The progressive net pricing structure, with families under $30,000 paying just $6,125, shows effective need-based aid policies that make attendance feasible for lower-income students who gain admission.
However, the moderate 16.7% Pell share suggests that either aid packaging, recruitment strategies, or other factors limit enrollment among the most economically disadvantaged populations. Financial aid effectiveness appears strong for enrolled students, with meaningful cost reduction across income levels and particular support for families earning under $75,000 annually.
