Cost & financial aid brief
Kutztown University of Pennsylvania Tuition, Costs & Financial Aid
How much does Kutztown University of Pennsylvania cost after financial aid?
Aid offsets part of the published cost for average recipients, but the discount is not uniform across family-income bands. Aid covers about 29% of the published cost for the average aid recipient, and the average sticker-to-net reduction is $8,535.
That is an average across aid recipients, not a promise for a particular family. The ordering of the income bands shows lower average net prices at lower incomes and higher average prices at higher incomes, rather than a uniform discount.
Families should read the band figures as a pricing pattern: grants and scholarships reduce the published charge, but the remaining average cost still varies with income.
For families in the lowest income band, the average net price is $15,957 against a published cost of attendance of $29,866. Prices step up across the other bands: $16,386 for the lower-middle family-income band, $19,306 for the middle band, $23,840 for the upper-middle band, and $26,759 for the highest-income band.
The spread between the lowest and highest bands is $10,802, a difference between band averages rather than a family bill. Azimuth ranks Kutztown University of Pennsylvania #878 for affordability among nonprofit four-year institutions.
Aid reduces the published price, but the overall average remains higher than that of comparable schools. Across all aid recipients, average net price, what aid recipients pay after grants and scholarships, is $21,331.
Aid covers about 29% of the published cost for the average aid recipient, or $8,535 against the sticker price. The peer median, the middle value for comparable institutions (same type and size), is $14,068, and Kutztown's average is $7,263 above it.
The aid offset and the higher peer comparison point in different directions. Borrowing is common among Kutztown completers, with median federal student loan debt of $26,000 at completion and 95.8% of federal aid recipients borrowing federal loans.
That median is $4,771 above the $21,229 peer median at comparable institutions (same type and size). That debt corresponds to an estimated payment of $295 a month if repaid over ten years.
Parent PLUS borrowers had median borrowing of $26,389.
Student loans: what does repayment look like?
At Kutztown University of Pennsylvania, borrowers who finish hold a median of $26,000 in federal loans. Among federal aid recipients, 95.8% of federal aid recipients take out these loans.
That median is $4,771 above the peer median of $21,229 for comparable institutions (same type and size). If repaid over ten years, it corresponds to an estimated payment of $295 a month.
Parents who borrow hold a separate median of $26,389 in Parent PLUS loans. In its 2025-26 Common Data Set, the university reported that 73% of graduates borrowed from any source, averaging $34,684 per borrower. Of those graduates, 71% held federal loans, averaging $22,526.
At Kutztown University of Pennsylvania, mobility is the strongest Azimuth pillar, but the investment record is less favorable on earnings and debt. Federally aided completers who are working and not enrolled have median earnings of $55,608 four years after completion, in the 35th percentile among nonprofit four-year institutions.
Earnings beyond expectations, the gap between what graduates earn and what expects for similar students, sits in the 22nd percentile among nonprofit four-year institutions. Graduates earn about $8,884 less than the model expects for similar students.
Earnings scenarios run from $45,546 in a downside case to $55,608 in a typical case and $67,692 in an upside case. Median federal student loan debt at completion is $26,000, $4,771 above the peer median of $21,229, the middle value for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $295 a month if repaid over ten years. The scenarios and debt comparison show a mixed return picture.
Parent borrowers have median Parent PLUS borrowing of $26,389, separate from the federal student loan figures for student borrowers. For borrowers with median federal debt, that debt corresponds to an estimated payment of $295 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
- $26,389
- Estimated parent payment
- $335/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 | 19.8% | High pressure |
| $100,000 | 8.9% | Caution |
| $150,000 | 4.2% | Safe |
| $200,000 | 2.8% | 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
- $26,000
- Institution Parent PLUS debt
- $26,389
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $295/mo
- Estimated Parent PLUS payment · monthly
- $335/mo
- Modeled student + parent payments
- $630/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 $55,608, with a $23,940 annual allowance for basic expenses:
11.2% 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.