Cost & financial aid brief
Missouri University of Science and Technology Tuition, Costs & Financial Aid
How much does Missouri University of Science and Technology cost after financial aid?
At Missouri University of Science and Technology, aid covers about 44% of the published cost for the average aid recipient. The sticker-to-net gap is $12,933, leaving an average net price of $16,298 after grants and scholarships.
Pricing differs across family-income bands: the lowest-band average is $10,912, followed by $12,027 and $13,330, before reaching $18,241 and $20,088 in the two highest bands. The $9,176 spread between the endpoints shows lower average net prices for lower-income aid recipients rather than a uniform price across bands.
The published cost of attendance is $29,231. Azimuth ranks Missouri University of Science and Technology #537 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 $10,912, for those earning $48,001 to $75,000 it is $13,330, and for those earning over $110,000 it is $20,088. The spread between the lowest and highest bands is $9,176.
Aid covers about 44% of the published cost for the average aid recipient, bringing the average net price across all bands to $16,298. That is $2,230 above the $14,068 median for comparable institutions (same type and size).
Borrowers who finish carry a median of $23,250 in federal student loans, $2,021 above the peer median of $21,229. If repaid over ten years, that debt corresponds to an estimated payment of $264 a month.
Parents who borrow hold a separate median of $30,462 in Parent PLUS loans.
Student loans: what does repayment look like?
Federal borrowing is widespread at Missouri University of Science and Technology: 89.5% of undergraduates take federal loans, and completing borrowers have median federal student loan debt of $23,250 at completion. That median is above the $21,229 peer median at comparable institutions (same type and size), a difference of $2,021.
For the separate parent-borrower population, median Parent PLUS borrowing is $30,462. In its 2025-26 Common Data Set, the university reported that 55% of graduates borrowed from any source, with average cumulative borrowing of $27,461 per borrower.
Among graduates, this included federal loans for 52%, averaging $20,105 per federal borrower. Private loans can overlap with federal loans and were held by 14% of graduates, averaging $30,067 per private borrower.
Four years after completing a degree, federally aided graduates of Missouri University of Science and Technology who are working and not enrolled earn a median of $93,514. That figure sits at the 95th percentile among nonprofit four-year institutions.
Graduates earn about $25,797 more than expects for similar students, placing the gap at the 98th percentile. Earnings scenarios, estimated from the university's program mix, show a downside case of $67,080 and an upside case of $101,881, with $93,514 as the typical outcome.
The median federal student debt at completion is $23,250, which is $2,021 above the $21,229 median for comparable institutions (same type and size). If repaid over ten years, that debt corresponds to an estimated payment of $264 a month.
Parent PLUS borrowers, a separate parent-borrower population, had median federal borrowing of $30,462. For student borrowers who completed, the separate median federal student debt corresponds to an estimated payment of $264 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
- $30,462
- Estimated parent payment
- $387/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 | 22.8% | High pressure |
| $100,000 | 10.2% | High pressure |
| $150,000 | 4.9% | Safe |
| $200,000 | 3.2% | 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
- $23,250
- Institution Parent PLUS debt
- $30,462
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $264/mo
- Estimated Parent PLUS payment · monthly
- $387/mo
- Modeled student + parent payments
- $651/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 $93,514, with a $23,940 annual allowance for basic expenses:
4.6% 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.