Cost & financial aid brief
Indiana University-Southeast Tuition, Costs & Financial Aid
How much does Indiana University-Southeast cost after financial aid?
The aid pattern is most favorable at the lower end of the income range. Aid covers about 52% of the published cost for the average aid recipient, bringing the average net price to $7,888 from a published cost of attendance of $16,411 (an average).
That leaves an average aid offset of $8,523. Across the income bands, average net price begins at $3,782 for the lowest-income families and reaches $14,276 for the highest-income families, with $4,978, $7,046, and $11,730 in between.
The $10,494 spread is a pattern consistent with aid being more concentrated among lower-income families. The lower-band prices and overall aid coverage point in the same direction.
Affordability is a clear strength at Indiana University-Southeast, where the published cost of attendance is $16,411 (an average across living arrangements). Average net prices are $3,782 for the low-income family-income band, $4,978 for the lower-middle band, $7,046 for the middle band, $11,730 for the upper-middle band, and $14,276 for the high-income band.
The spread between the lowest and highest bands is $10,494, and Azimuth ranks the university #83 for affordability among nonprofit four-year institutions. For the average aid recipient, aid covers about 52% of the published cost.
The average net price, what aid recipients pay after grants and scholarships, is $7,888 for first-time, full-time in-state aid recipients, with $8,523 in average aid savings against the sticker price. The peer median, the middle value for comparable institutions (same type and size), is $14,068; the university’s average is $6,180 below it.
Published in-state tuition and fees are $8,424, versus $22,811 for out-of-state tuition and fees. Federal student loan borrowers who complete have median debt of $19,684, and 71.2% of federal aid recipients borrow federal loans.
Comparable institutions (same type and size) have a peer median federal debt of $21,229, putting the university $1,545 below that figure. That debt corresponds to an estimated payment of $224 a month if repaid over ten years.
The median Parent PLUS borrowing is $10,909.
Student loans: what does repayment look like?
Federal borrowing reaches 71.2% of federal aid recipients at Indiana University-Southeast, making loan use common among the undergraduate population. Among federal-loan borrowers who completed, median federal student loan debt is $19,684.
These federal figures exclude private loans and Parent PLUS and do not describe every completer. At comparable institutions (same type and size), the peer median is $21,229; the university figure is below by $1,545.
Parent PLUS borrowers are a separate parent-borrower population, with median borrowing of $10,909.
At Indiana University-Southeast, the investment picture pairs lower borrowing with mixed earnings. Four years after completion, federally aided completers who are working and not enrolled have median earnings of $54,129, placing the university in the 30th percentile among nonprofit four-year institutions.
Graduates earn about $1,506 less than expects for similar students. Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, falls in the 49th percentile among nonprofit four-year institutions.
Earnings scenarios from the program mix show $54,129 in a typical scenario, $45,610 in a downside scenario, and $72,819 in an upside scenario. Median federal student debt at completion is $19,684, below the $21,229 peer median at comparable institutions (same type and size) by $1,545.
That debt corresponds to an estimated payment of $224 a month if repaid over ten years. Lower debt and earnings below the model point in different directions.
For families weighing both forms of federal borrowing, Parent PLUS borrowers had median borrowing of $10,909, a figure for a separate parent-borrower population. Median federal student debt corresponds to an estimated payment of $224 a month if repaid over ten years.
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
- $10,909
- Estimated parent payment
- $139/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $100,000 | Safe |
| $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
- $19,684
- Institution Parent PLUS debt
- $10,909
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $224/mo
- Estimated Parent PLUS payment · monthly
- $139/mo
- Modeled student + parent payments
- $363/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 $54,129, with a $22,590 annual allowance for basic expenses:
8.5% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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.