Cost & financial aid brief
Indiana University-Bloomington Tuition, Costs & Financial Aid
How much does IU Bloomington cost after financial aid?
The published cost of attendance is $28,801, but the average aid recipient pays considerably less. Aid covers about 44% of the published cost for the average aid recipient, a reduction of $12,537 from the sticker price.
The pattern across income bands shows lower net prices for families with lower incomes. Families earning under $30,000 see an average net price of $6,324, while those in the $30,001–$48,000 band pay $7,610.
The price is $25,128 for families earning over $110,000, a spread of $18,804 between the lowest and highest bands. The average net price for first-time full-time aid recipients is $16,264, which sits $630 above the median for comparable institutions.
Indiana University-Bloomington publishes a cost of attendance of $28,801, with in-state tuition and fees of $12,144 and room and board of $13,984. For families earning under $30,000, the average net price is $6,324, while families in the $48,001–$75,000 band see an average net price of $12,154 and those earning over $110,000 face an average of $25,128.
Azimuth ranks the university #441 for affordability among nonprofit four-year institutions. Financial aid reduces the sticker price by an average of $12,537, bringing the average net price across all aid recipients to $16,264.
That figure sits above the median of $15,634 for comparable institutions (same type and size), a gap of $630. Out-of-state students pay published tuition and fees of $41,891.
The median federal student loan debt at completion is $19,509. That median runs below the peer median of $20,076 for comparable institutions, a difference of $567.
Across undergraduates, 84.7% of federal aid recipients borrow federal loans. Median Parent PLUS borrowing stands at $32,850.
The median federal student debt corresponds to an estimated payment of $222 a month if repaid over ten years.
Student loans: what does repayment look like?
The median federal debt within that group is $19,509. That median is below the $20,076 level recorded for comparable institutions (same type and size) by $567.
Roughly 84.7% of federal aid recipients take out federal student loans. Parent borrowers represent a distinct population; their median Parent PLUS loan is $32,850.
Median earnings for Indiana University-Bloomington graduates four years after completion stand at $74,511, a level in the 83rd percentile among nonprofit four-year institutions. Graduates earn about $5,061 more than expects for similar students, an outcome that ranks in the 71st percentile among nonprofit four-year institutions.
Program-mix scenarios point to a typical earnings level of $74,511, alongside a downside scenario of $51,804 and an upside scenario of $106,245. The median federal debt for borrowers who complete is $19,509, a balance that sits below the $20,076 median for comparable institutions (same type and size). The estimated monthly payment if repaid over ten years is $222.
Median Parent PLUS borrowing, a separate parent-borrower population, is $32,850. The estimated monthly student payment if repaid over ten years is $222.
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
- $32,850
- Estimated parent payment
- $417/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
- $19,509
- Institution Parent PLUS debt
- $32,850
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $222/mo
- Estimated Parent PLUS payment · monthly
- $417/mo
- Modeled student + parent payments
- $639/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 $74,511, with a $22,590 annual allowance for basic expenses:
5.1% 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.