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Cost & financial aid brief

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# Indiana University-Southeast Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

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

At Indiana University-Southeast, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—what aid recipients pay after grants and scholarships—is $7,888, compared with a published cost of attendance of $16,411 (an average across living arrangements). Published in-state tuition and fees are $8,424, while out-of-state tuition and fees are $22,811 and room and board are $11,940.

For the average aid recipient, financial aid offsets $8,523 of the published cost. The peer median, the middle value for comparable institutions (same type and size), is $14,068.

Indiana University-Southeast's average net price is $6,180 below that figure. Azimuth ranks Indiana University-Southeast #83 for affordability among nonprofit four-year institutions.

The lower net price and affordability rank point in the same direction for aided students.

Aid recipients at the university pay well below the peer median after grants and scholarships. What they pay on average is $7,888, $6,180 below the median for comparable institutions (same type and size).

By income band, the average runs from $3,782 for families earning under $30,000 to $14,276 for those earning over $110,000. Azimuth ranks the university #83 for affordability among nonprofit four-year institutions.

That places the pillar in the 94th percentile. Borrowers who finish hold a median of $19,684 in federal student loans, $1,545 below the peer median, so both measures sit below the peer medians.

Aid recipients from lower-income families face markedly lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s at Indiana University-Southeast. Families earning under thirty thousand dollars average $3,782; those earning from thirty thousand one dollars to forty-eight thousand dollars average $4,978; those from forty-eight thousand one dollars to seventy-five thousand dollars average $7,046; those from seventy-five thousand one dollars to one hundred ten thousand dollars average $11,730; and families earning over one hundred ten thousand dollars average $14,276.

Pell Grants go to 32.3% of undergraduates, providing financial-access context for the lowest band. Across the lowest and highest bands, the difference in average net price is $10,494.

Average net price by family income

**$0–30K**
$3,782

**$30–48K**
$4,978

**$48–75K**
$7,046

**$75–110K**
$11,730

**$110K+**
$14,276

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$7,888**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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 price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model expects for similar students. [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, 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$10,909

**Estimated parent payment**
$139/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 | 8.2% | Caution |
| $100,000 | 3.7% | Safe |
| $150,000 | 1.7% | Safe |
| $200,000 | 1.1% | 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-southeast#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**
$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 $23,940 annual allowance for basic expenses:

**8.9%** of income above the allowance · Good

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
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-southeast#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.