Cost & financial aid brief
Massachusetts Maritime Academy Tuition, Costs & Financial Aid
How much does Massachusetts Maritime Academy cost after financial aid?
Aid covers about 31% of the published cost for the average aid recipient. In its 2025-26 Common Data Set, the university reported figures for the 2025-26 academic year.
First-year students determined to have need received an average need-based grant of $21,744 and an average total package of $28,604. The average share of need met for those aided students was 89%.
Of the 244 first-year students with determined need, 164 had their need fully met. Separately, 134 first-year students received an average merit award of $9,302.
The net price pattern across income bands shows costs rising from the lowest to the highest band, with the spread between them at $18,610. That describes a structure where lower-income families face lower average costs, rather than a flat price across incomes.
The published cost of attendance at Massachusetts Maritime Academy is $31,367. Azimuth ranks the university #928 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 $8,757, for those earning $48,001 to $75,000 it is $10,547, and for those earning over $110,000 it is $27,367. The spread between the lowest and highest bands is $18,610.
Aid covers about 31% of the published cost for the average aid recipient. The across all aid recipients is $21,582, which is $8,760 above the $12,822 median for comparable institutions (same type and size).
Borrowers who complete a degree carry a median of $25,000 in federal student loans. That is $5,500 above the $19,500 median for comparable institutions.
96.8% of federal aid recipients borrow federal loans. Parents who borrow hold a separate median of $38,678 in Parent PLUS loans.
If repaid over ten years, the median federal student debt corresponds to an estimated payment of $284 a month.
Student loans: what does repayment look like?
Federally aided graduates of Massachusetts Maritime Academy who are working and not enrolled earn a median of $103,680 four years after completing a degree. Against the $53,116 median for comparable institutions (same type and size), earnings at the university are $50,564 above.
This median lands in the 97th percentile among nonprofit four-year institutions. Graduates earn about $26,577 more than expects for similar students.
That outcome is in the 98th percentile among nonprofit four-year institutions. Earnings scenarios run from $80,856 on the downside through $103,680 as the typical case up to $125,016 on the upside.
The median federal debt for borrowers who complete is $25,000. That amount is $5,500 above the $19,500 median for comparable institutions (same type and size).
If repaid over ten years, that balance corresponds to an estimated payment of $284 a month. Strong earnings partly offset debt that sits above the comparable-institution median.
For the separate population of parent borrowers, median Parent PLUS borrowing is $38,678. For student borrowers, that debt corresponds to an estimated payment of $284 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
- $38,678
- Estimated parent payment
- $491/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 | 29.0% | High pressure |
| $100,000 | 13.0% | High pressure |
| $150,000 | 6.2% | Caution |
| $200,000 | 4.1% | 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. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $25,000
- Institution Parent PLUS debt
- $38,678
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $284/mo
- Estimated Parent PLUS payment · monthly
- $491/mo
- Modeled student + parent payments
- $775/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 $103,680, with a $23,940 annual allowance for basic expenses:
4.3% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- 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.