New Jersey City University's published cost of attendance reaches $23,668 per year, including $13,971 in-state tuition, $16,274 for room and board, and $1,236 for books and supplies. However, the average student pays just $11,732 after financial aid, representing savings of $11,936 through institutional and federal aid programs.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $23,668 |
| Tuition and Fees | $24,888 |
| Room and Board | $16,274 |
| Books and Supplies | $1,236 |
| Average Financial Aid (Grants and Scholarships) | -$11,936 |
| Average Net Price (What Families Pay) | $11,732 |
| Family Income | Net Price |
|---|---|
| $0–30k | $10,254 |
| $30–48k | $10,051 |
| $48–75k | $13,160 |
| $75–110k | $15,986 |
| $110k+ | $17,431 |
New Jersey City University's published cost of attendance reaches $23,668 per year, including $13,971 in-state tuition, $16,274 for room and board, and $1,236 for books and supplies. However, the average student pays just $11,732 after financial aid, representing savings of $11,936 through institutional and federal aid programs. This net price of $11,732 compares favorably to the peer median of $14,093, saving families $2,361 annually relative to similar institutions.
The university's approach to financial aid demonstrates commitment to affordability, particularly for lower-income students who drive down the average net cost through substantial Pell grant eligibility. With 52.4% of students receiving Pell grants, federal need-based aid plays a major role in college affordability at New Jersey City University. The gap between sticker price and actual cost reflects both federal aid availability and the university's own financial aid policies.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Student debt levels at New Jersey City University remain well-controlled relative to peer institutions and earnings outcomes. Median student debt of $18,500 falls $2,605 below the peer median of $21,105, indicating effective debt management despite serving predominantly lower-income students.
Debt levels range from $5,500 at the 25th percentile to $23,582 at the 75th percentile, showing variation but reasonable caps on borrowing. The debt-to-earnings ratio of 0.35 indicates that median debt represents about 35% of first-year earnings, a manageable relationship that supports financial sustainability after graduation.
This controlled debt level, combined with $18,299 in earnings beyond expectations, creates favorable conditions for loan repayment. Parent PLUS loans, with median debt of $13,103 and monthly payments of $173, represent additional family borrowing but at reasonable levels for families choosing this option.
How cost compares to graduate earnings and value added.
New Jersey City University delivers exceptional return on educational investment through its combination of controlled costs, managed debt, and strong value-added earnings. The university generates $18,299 in earnings beyond expectations, ranking in the 93.3rd percentile nationally, while maintaining debt levels $2,605 below peer institutions.
This creates a favorable investment profile where students achieve substantial earnings uplift without excessive borrowing. Median earnings of $52,745 represent solid post-graduation income that supports the $18,500 median debt load through a manageable 0.35 debt-to-earnings ratio.
The $2,361 lower net price compared to peer institutions, combined with $2,629 higher earnings than the peer median, demonstrates clear financial advantages. For students from lower-income backgrounds, who represent 52.4% of enrollment, the combination of accessible pricing (around $10,000 for families earning under $48,000) and strong earnings uplift creates substantial economic mobility potential.
New Jersey City University demonstrates strong financial aid effectiveness through its substantial Pell grant enrollment and favorable net pricing structure. With 52.4% of students receiving Pell grants, the university serves a predominantly lower-income student population that benefits significantly from federal need-based aid.
The average financial aid savings of $11,936 reduces the published cost from $23,668 to a manageable $11,732, representing nearly 50% savings through combined federal and institutional aid. This aid targeting helps explain why the university achieves strong value-added earnings outcomes despite serving economically disadvantaged populations.
The progressive pricing structure, where families earning under $48,000 pay around $10,000 annually, makes college accessible for students who might otherwise face financial barriers. Federal Pell grants, which can provide up to $7,000+ annually for the lowest-income students, combined with New Jersey state grants and institutional aid, create multiple layers of support.
