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Cost & financial aid brief

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# Indiana University-Kokomo Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does Indiana University-Kokomo cost after financial aid?

For aid recipients, Indiana University-Kokomo has a low average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $3,968, what aid recipients pay after grants and scholarships. The published cost of attendance is $11,837, with in-state tuition and fees of $8,424 and out-of-state tuition and fees of $22,811.

Financial aid offsets $7,869 from the published cost on average. At comparable institutions (same type and size), the peer median net price is $14,068; Indiana University-Kokomo's average is below that figure by $10,100.

Azimuth places its affordability pillar in the 97th percentile among nonprofit four-year institutions. Low average costs after aid and a strong affordability standing point in the same direction.

Affordability is the strongest pillar at Indiana University-Kokomo, sitting at the 97th percentile among nonprofit four-year institutions. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $3,968, which is $10,100 below the median for comparable institutions (same type and size).

By income band, the lowest averages -$583 and the highest averages $10,593, for a spread of $11,176. Borrowers who complete leave with a median of $16,961 in federal student loans, $4,268 below the peer median.

The lowest two family-income bands have negative average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s, meaning average aid exceeds published cost for qualifying families. Moving from the lowest band upward, average net prices are -$583, -$541, $2,375, $9,025, and $10,593.

Pell Grants go to 33.4% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $11,176.

Average net price by family income

**$0–30K**
\-$583

**$30–48K**
\-$541

**$48–75K**
$2,375

**$75–110K**
$9,025

**$110K+**
$10,593

Averages within each income band; individual aid packages vary.

Net price can be negative: when grants and scholarships exceed the listed cost of attendance, students can receive the difference as a refund for other expenses.

Overall average annual net price: **$3,968**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid at Indiana University-Kokomo is most concentrated in the lower family-income bands, based on the pattern of average prices after grants and scholarships. For the average aid recipient, the published cost of $11,837 falls by $7,869 to an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $3,968.

Aid covers about 66% of the published cost for the average aid recipient. Across the income bands, average net prices move from -$583 and -$541 at the lower end to $2,375, $9,025, and $10,593 at higher incomes.

That pattern shows larger average aid offsets in the lower bands, while each family's package can differ.

For qualifying families in the lowest family-income band, aid exceeds the full published cost at Indiana University-Kokomo, where the cost of attendance is $11,837. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is -$583 in the lowest family-income band, -$541 in the lower-middle family-income band, $2,375 in the middle family-income band, $9,025 in the upper-middle family-income band, and $10,593 in the highest family-income band.

The spread between the lowest and highest bands is $11,176. Azimuth ranks the university #42 for affordability among nonprofit four-year institutions.

Aid covers about 66% of the published cost for the average aid recipient, an offset of $7,869 against the sticker price. Among first-time full-time Title IV aid recipients, the average net price, what aid recipients pay after grants and scholarships, is $3,968.

That is $10,100 below the peer median net price of $14,068 for comparable institutions (same type and size). Published in-state tuition is $8,424, and out-of-state tuition is $22,811.

The aid offset and lower average price than comparable institutions point in the same direction. Among borrowers who completed, median federal student loan debt is $16,961, and 72.9% of federal aid recipients borrow federal loans.

The median is $4,268 below the peer median debt of $21,229 at comparable institutions (same type and size). That debt corresponds to an estimated payment of $193 a month if repaid over ten years.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $11,210.

## Student loans: what does repayment look like?

For completers at Indiana University-Kokomo, federal student loan debt is comparatively modest, though borrowing is common. The median debt is $16,961, and 72.9% of federal aid recipients take federal loans.

Comparable institutions (same type and size) have a peer median federal debt of $21,229. Indiana University-Kokomo's median is $4,268 below that benchmark, so its borrower debt sits below the peer midpoint despite the broad use of federal loans.

For the separate parent-borrower population, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $11,210.

Indiana University-Kokomo pairs lower median federal debt than comparable institutions with a less favorable earnings picture. Federally aided completers who are working and not enrolled have median earnings of $54,618 four years after completion; Azimuth places that figure in the 31st 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, sits in the 49th percentile among nonprofit four-year institutions. Graduates earn about $1,622 less than the model expects for similar students.

Earnings scenarios range from $42,663 in a downside case to $83,756 in an upside case, with the typical scenario matching the observed median. Median federal student loan debt is $16,961, $4,268 below the $21,229 peer median for comparable institutions (same type and size).

That debt corresponds to an estimated payment of $193 a month if repaid over ten years. The debt figure is lower than peers, while the earnings measures are less favorable.

Parent borrowing is a separate part of the cost picture: median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing for parent borrowers is $11,210. For student borrowers, that debt corresponds to an estimated payment of $193 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**
$11,210

**Estimated parent payment**
$142/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 | 8.4% | Caution |
| $100,000 | 3.8% | Safe |
| $150,000 | 1.8% | Safe |
| $200,000 | 1.2% | 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=indiana-university-kokomo#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**
$16,961

**Institution Parent PLUS debt**
$11,210

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

**Estimated student payment · monthly**
$193/mo

**Estimated Parent PLUS payment · monthly**
$142/mo

**Modeled student + parent payments**
$335/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 $54,618, with a $23,940 annual allowance for basic expenses:

**7.5%** 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=indiana-university-kokomo#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.