Cost & financial aid brief
New Jersey City University Tuition, Costs & Financial Aid
How much does New Jersey City University cost after financial aid?
Aid covers about 43% of the published cost for the average aid recipient, a reduction of $12,202 from the sticker price. The pattern across income bands shows lower average net prices at lower incomes.
The lowest band, families earning under $30,000, averages $14,005, while the highest band, over $110,000, averages $21,596. The spread between the two ends is $7,591, a difference of averages rather than what any family pays.
The published cost of attendance at New Jersey City University is $28,255 (an average across living arrangements). Azimuth ranks the university #280 for affordability among nonprofit four-year institutions.
The average net price, what aid recipients pay after grants and scholarships, is $14,005 for families earning under $30,000, $17,587 for those earning $48,001 to $75,000, and $21,596 for those earning over $110,000. The spread between the lowest and highest bands is $7,591.
Aid covers about 43% of the published cost for the average aid recipient. The average net price across all aid recipients is $16,053, which is $1,985 above the $14,068 median for comparable institutions (same type and size).
Borrowers who complete a degree carry a median of $18,500 in federal student loans. That is $2,729 below the $21,229 median at comparable institutions.
About 61.5% of federal aid recipients take federal loans. Parents who borrow through the federal Parent PLUS program hold a separate median of $13,884.
The median federal student debt corresponds to an estimated payment of $210 a month if repaid over ten years.
Student loans: what does repayment look like?
Borrowers who complete a degree at New Jersey City University leave with a median of $18,500 in federal student loans. That figure is $2,729 below the $21,229 median for comparable institutions (same type and size).
61.5% of federal aid recipients take federal loans. The debt load is not uniform.
Parents who borrow through Parent PLUS hold a separate median of $13,884.
At New Jersey City University, the estimated monthly payment is $210 a month if repaid over ten years. This is derived from a median federal debt of $18,500 that is $2,729 below the peer median, $21,229.
Graduates earn about $12,461 more than expects for similar students. That puts the gap at the 88th percentile.
The median four years after completion is $60,965 for federally aided graduates who are working and not enrolled. That amount lands $3,664 above the median for comparable institutions (same type and size), which is $57,301.
That places the earnings level at the 54th percentile among nonprofit four-year institutions. Earnings scenarios, estimated from the program mix, span from $44,048 on the downside to $94,017 on the upside.
Earnings land above both the peer median and the model's expectation, while federal debt sits below the peer median, so the two measures point the same way.
For the separate population of parent borrowers, median Parent PLUS borrowing is $13,884. For student borrowers, that debt corresponds to an estimated payment of $210 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
- $13,884
- Estimated parent payment
- $176/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $100,000 | Safe |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $18,500
- Institution Parent PLUS debt
- $13,884
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $210/mo
- Estimated Parent PLUS payment · monthly
- $176/mo
- Modeled student + parent payments
- $386/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 $60,965, with a $22,590 annual allowance for basic expenses:
6.6% 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, $22,590, uses the published framework’s 2024 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.