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Cost & financial aid brief

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# Jacksonville State University Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does Jacksonville State University cost after financial aid?

The published cost of attendance at Jacksonville State University is $24,257. In its 2025-26 Common Data Set, the university reported out-of-state tuition of $706 and required fees of $2,634 as sticker charges.

On-campus food and housing are listed at $9,932. After aid, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $14,279.

That figure is $211 above the $14,068 median for comparable institutions (same type and size). Aid reduces the published cost by $9,978 on average.

Azimuth ranks the university #329 for affordability among nonprofit four-year institutions. That places the affordability pillar in the 77th percentile.

After grants and scholarships, aid recipients pay an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $14,279, $211 above the median of $14,068 for comparable institutions (same type and size). Azimuth places the affordability pillar for Jacksonville State University in the 77th percentile among nonprofit four-year institutions.

Borrowers who finish hold a median of $22,189 in federal student loans, $960 above the peer median of $21,229. The lowest income band averages $12,472, and the highest averages $18,183.

Aid recipients from families earning under $30,000 pay an average of $12,472. Those in the $30,001–$48,000 band pay $12,622, and the $48,001–$75,000 band averages $15,343.

The $75,001–$110,000 band averages $17,480, and families earning over $110,000 pay $18,183, leaving a gap of $5,711 between the two ends. 42.6% of undergraduates receive Pell Grants, the group the lowest band applies to.

Average net price by family income

**$0–30K**
$12,472

**$30–48K**
$12,622

**$48–75K**
$15,343

**$75–110K**
$17,480

**$110K+**
$18,183

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$14,279**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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 average net price 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$13,672

**Estimated parent payment**
$174/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 | 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](/financial-gps/?tool=parent&school=jacksonville-state-university#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**
$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

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=jacksonville-state-university#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.