Cost & financial aid brief
Jacksonville State University Tuition, Costs & Financial Aid
How much does Jacksonville State University cost after financial aid?
Aid covers about 41% of the published cost for the average aid recipient at Jacksonville State University, a reduction of $9,978 from the sticker price. The pattern across income bands is relatively flat.
The lowest-income band averages $12,472 while the highest band averages $18,183, a spread of $5,711 between the two ends. That narrow spread means the net price a family sees does not shift dramatically with income.
The published cost of attendance at Jacksonville State University is $24,257. Azimuth ranks the university #329 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $12,472, for those earning $48,001 to $75,000 it is $15,343, and for those earning over $110,000 it is $18,183. The spread between the lowest and highest bands is $5,711.
Aid covers about 41% of the published cost for the average aid recipient. The across all aid recipients is $14,279, which is $211 above the $14,068 median for comparable institutions (same type and size).
Borrowers who finish carry a median of $22,189 in federal student loans. That is $960 above the $21,229 median for comparable institutions.
80.9% of federal aid recipients take federal loans. Parents who borrow hold a separate median of $13,672 in Parent PLUS loans.
If repaid over ten years, the median federal student debt corresponds to an estimated payment of $252 a month.
Student loans: what does repayment look like?
Federal borrowing is widespread at Jacksonville State University: 80.9% of federal aid recipients take federal loans. Among those who complete, the median federal student loan debt is $22,189.
That median is $960 above the $21,229 median for comparable institutions (same type and size). Parent borrowers are a separate population, with median Parent PLUS borrowing of $13,672.
Four years after completing a degree, federally aided graduates of Jacksonville State University who are working and not enrolled earn a median of $55,318. That figure is $1,983 below the $57,301 median for comparable institutions (same type and size).
Graduates earn about $1,171 less than expects for similar students. That result is at the 51st percentile.
Earnings scenarios, estimated from the program mix, range from $43,449 on the downside to $84,983 on the upside. The median federal debt of $22,189 corresponds to an estimated payment of $252 a month if repaid over ten years.
For the separate population of parent borrowers, median Parent PLUS borrowing is $13,672. For student borrowers, that debt corresponds to an estimated payment of $252 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
- $13,672
- Estimated parent payment
- $174/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 10.2% | High pressure |
| $100,000 | 4.6% | Safe |
| $150,000 | 2.2% | Safe |
| $200,000 | 1.4% | 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. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $22,189
- Institution Parent PLUS debt
- $13,672
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $252/mo
- Estimated Parent PLUS payment · monthly
- $174/mo
- Modeled student + parent payments
- $426/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 $55,318, with a $23,940 annual allowance for basic expenses:
9.6% 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, $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.
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.