Cost & financial aid brief
North Dakota State University-Main Campus Tuition, Costs & Financial Aid
How much does North Dakota State University-Main Campus cost after financial aid?
At North Dakota State University-Main Campus, the typical aid recipient sees the sticker price reduced by $8,173, with aid covering about 34% of the published cost. Average net prices are smallest for the lowest incomes: $9,370 for families earning under $30,000, $11,343 for the $30,001–$48,000 band, $11,923 for $48,001–$75,000, $16,082 for $75,001–$110,000, and $18,856 for those earning over $110,000.
The spread between the lowest and highest bands is $9,486, a pattern that coincides with larger aid amounts for lower-income families.
North Dakota State University-Main Campus publishes a cost of attendance of $23,716, with in-state tuition and fees at $11,110 and room and board at $9,928. For families earning under $30,000, the average net price—what aid recipients pay after grants and scholarships—is $9,370; for the $48,001–$75,000 band it is $11,923, and for families earning over $110,000 it is $18,856.
The spread between the lowest and highest bands is $9,486. Azimuth ranks the university #400 for affordability among nonprofit four-year institutions.
Aid covers about 34% of the published cost for the average aid recipient, a savings of $8,173 against the sticker price. The average net price across all aid recipients is $15,543, which sits above the peer median of $14,068 for comparable institutions (same type and size) by $1,475.
Out-of-state students face a higher published tuition of $15,764 before aid. Graduates who borrow federal loans leave with a median debt of $23,199.
About 93.2% of federal aid recipients take federal loans, and that debt is above the peer median of $21,229 by $1,970. It corresponds to an estimated payment of $264 a month if repaid over ten years.
Parents who take out Parent PLUS loans borrow a median of $14,621.
Student loans: what does repayment look like?
Completing borrowers at North Dakota State University-Main Campus carry a median federal student debt of $23,199. That median is above the $21,229 figure at comparable institutions (same type and size) by $1,970.
Across all undergraduates, 93.2% of federal aid recipients take federal loans. Parent borrowers show median Parent PLUS debt of $14,621.
In its 2024-25 Common Data Set, the university reported that 68% of graduates borrowed from any source, including 66% with federal loans and 30% with private loans. Average cumulative borrowing was $33,062 per borrower, with federal borrowers averaging $21,014 and private borrowers averaging $27,894. Debt sits above the peer median alongside broad undergraduate borrowing.
Graduates of North Dakota State University-Main Campus see earnings that outpace both peers and expectations. Four years after completion, the median is $67,679, a figure in the 72nd percentile among nonprofit four-year institutions.
That is above the $57,301 median for comparable institutions (same type and size) by $10,378. Graduates earn about $4,090 more than expects for similar students, an outcome in the 69th percentile nationally.
Earnings scenarios derived from the university's program mix show a typical earnings level at the same median, with a downside scenario of $50,706 and an upside scenario of $92,010. On the cost side, the median federal student debt at completion is $23,199, which is above the $21,229 peer median.
That debt corresponds to an estimated payment of $264 a month if repaid over ten years. Above-expected earnings combined with a debt load that is only modestly above the peer median point to a solid return for graduates.
Median Parent PLUS borrowing, a separate parent-borrower population, is $14,621. The estimated monthly student payment if repaid over ten years is $264.
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
- $14,621
- Estimated parent payment
- $186/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
- $23,199
- Institution Parent PLUS debt
- $14,621
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $264/mo
- Estimated Parent PLUS payment · monthly
- $186/mo
- Modeled student + parent payments
- $450/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 $67,679, with a $22,590 annual allowance for basic expenses:
7.0% 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.