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Cost & financial aid brief

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# Maine Maritime Academy Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/maine-maritime-academy/)Cost & aid[Outcomes](/school/maine-maritime-academy/outcomes/)[Admissions](/school/maine-maritime-academy/admissions/)[Majors](/school/maine-maritime-academy/majors/)[Similar schools](/school/maine-maritime-academy/similar/)

**On this page**+

## How much does Maine Maritime Academy cost after financial aid?

Maine Maritime Academy sets a published cost of attendance of $31,046, and the average aid recipient pays $23,414 after grants and scholarships are applied. In-state tuition and fees are $15,158, room and board are $12,282, and nonresident tuition and fees run $31,102.

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is an average across aid recipients, not a personal quote. That average net price is $10,592 above the $12,822 median at comparable institutions (same type and size).

Aid covers about 25% of the published cost for the average aid recipient, offsetting the sticker price by $7,632. Azimuth ranks the university #1,158 for affordability among nonprofit four-year institutions.

That is the 18th percentile for affordability among nonprofit four-year institutions.

Maine Maritime Academy's weakest pillar is affordability, at the 18th percentile among nonprofit four-year institutions. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) measures what aid recipients pay after grants and scholarships.

At the university, that amount is $23,414, which is $10,592 above the median for comparable institutions (same type and size). Aid recipients in the lowest income band average $9,511, while those in the highest band average $25,021.

Borrowers who finish hold a median of $27,000 in federal student loans. That amount is $7,500 above the peer median of $19,500.

About 24.6% of undergraduates receive Pell Grants, the population the lowest band applies to. After grants and scholarships, aid recipients in the lowest family-income band, those earning under $30,000, average $9,511.

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $21,690 for the $30,001–$48,000 band, $21,162 for the $48,001–$75,000 band, $24,372 for the $75,001–$110,000 band, and $25,021 for families earning over $110,000. The spread between the lowest and highest bands is $15,510.

Average net price by family income

**$0–30K**
$9,511

**$30–48K**
$21,690

**$48–75K**
$21,162

**$75–110K**
$24,372

**$110K+**
$25,021

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$23,414**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 25% of the published cost for the average aid recipient, a reduction of $7,632 from the sticker price. The pattern across income bands shows lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s at lower incomes, though the difference between the middle and upper bands narrows. The lowest band averages $9,511, while the highest averages $25,021.

The published cost of attendance at Maine Maritime Academy is $31,046. Azimuth ranks the university #1,158 for affordability among nonprofit four-year institutions.

After grants and scholarships, aid recipients from families earning under $30,000 average $9,511, those in the middle band ($48,001–$75,000) average $21,162, and those in the highest band (over $110,000) average $25,021. The spread between the lowest and highest bands is $15,510.

Aid covers about 25% of the published cost for the average aid recipient. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) across all aid recipients is $23,414, which is $10,592 above the $12,822 median for comparable institutions (same type and size).

Borrowers who finish carry a median of $27,000 in federal student loans. That is $7,500 above the $19,500 median for comparable institutions.

Parents who borrow hold a separate median of $55,812 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 $307 a month.

## Student loans: what does repayment look like?

Federal-loan borrowers who finish at Maine Maritime Academy carry a median of $27,000. That median sits $7,500 above the $19,500 median for comparable institutions (same type and size).

Parents who borrow through the [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) program hold a separate median of $55,812.

Four years after completion, federally aided graduates who are working and not enrolled earn a median of $113,298. That places Maine Maritime Academy at the 99th percentile among nonprofit four-year institutions.

Graduates earn about $34,080 more than the model expects for similar students, a result at the 99th percentile. The earnings scenarios, estimated from the program mix, range from a downside of $75,671 to an upside of $137,352, with a typical scenario of $113,298.

Borrowers who finish carry a median of $27,000 in federal loans, $7,500 above the peer median. If repaid over ten years, that debt corresponds to an estimated payment of $307 a month.

For the separate population of parent borrowers, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $55,812. For student borrowers, that debt corresponds to an estimated payment of $307 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**
$55,812

**Estimated parent payment**
$709/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 | 41.8% | High pressure |
| $100,000 | 18.8% | High pressure |
| $150,000 | 8.9% | Caution |
| $200,000 | 5.9% | 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=maine-maritime-academy#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**
$27,000

**Institution Parent PLUS debt**
$55,812

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$307/mo

**Estimated Parent PLUS payment · monthly**
$709/mo

**Modeled student + parent payments**
$1,016/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 $113,298, with a $23,940 annual allowance for basic expenses:

**4.1%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
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=maine-maritime-academy#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.