Ramapo College's published cost of attendance is $30,176 annually, including $15,978 in-state tuition, $15,834 for room and board, and $1,226 for books and supplies. Out-of-state students face higher tuition of $26,388.
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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) | $29,483 |
| Tuition and Fees | $27,708 |
| Room and Board | $17,102 |
| Books and Supplies | $1,226 |
| Average Financial Aid (Grants and Scholarships) | -$11,310 |
| Average Net Price (What Families Pay) | $18,173 |
| Family Income | Net Price |
|---|---|
| $0–30k | $9,008 |
| $30–48k | $10,708 |
| $48–75k | $18,074 |
| $75–110k | $22,949 |
| $110k+ | $26,008 |
Ramapo College's published cost of attendance is $30,176 annually, including $15,978 in-state tuition, $15,834 for room and board, and $1,226 for books and supplies. Out-of-state students face higher tuition of $26,388. However, the average student pays just $20,360 after financial aid, representing savings of $9,816 from the sticker price.
This net price sits $6,267 above the peer median of $14,093, indicating higher costs than typical public institutions in the comparison group. The financial aid system effectively reduces costs for most families, though the institution remains more expensive than many peer colleges. Cost varies significantly by family income, with the lowest-income families paying substantially less than higher-income households.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Graduates of Ramapo College carry median debt of $21,000, virtually identical to the peer median of $21,105, indicating typical borrowing levels for similar institutions. Debt varies considerably among graduates, with 25th percentile borrowers owing $9,012 and 75th percentile borrowers carrying $27,000.
This distribution suggests that some students graduate with minimal debt while others borrow more substantially to finance their education. The debt-to-earnings ratio of 0.31 indicates manageable debt loads relative to post-graduation income, with annual debt service representing roughly 31% of first-year earnings.
Parent PLUS borrowers carry median debt of $24,335, with monthly payments averaging $320. The similarity to peer debt levels suggests Ramapo College students borrow at typical rates for public institutions, neither requiring excessive borrowing nor enabling unusually low debt levels.
How cost compares to graduate earnings and value added.
Ramapo College delivers strong return on educational investment through earnings that significantly exceed expectations and peer performance. Graduates earn $7,753 beyond expectations relative to similar students, ranking in the 81.3rd percentile nationally for uplift performance.
Median ten-year earnings of $67,541 exceed the peer median by $17,425, representing a substantial advantage over similar institutions. The debt-to-earnings ratio of 0.31 indicates manageable borrowing relative to income potential, suggesting graduates can service educational debt while building financial security.
With median debt essentially matching peer levels but earnings substantially exceeding peer performance, Ramapo College offers favorable return on investment. The combination of accessible admission, controlled debt levels, and strong earnings outcomes creates conditions for long-term financial success.
Ramapo College's financial aid system generates average savings of $9,816 per student, bringing costs down from $30,176 to $20,360. The institution enrolls 26.7% Pell-eligible students, indicating moderate representation of the lowest-income students nationally.
Financial aid effectiveness varies substantially by income, with families earning under $30,000 receiving the most generous support at $10,142 net price, while higher-income families face costs approaching the full sticker price. The progressive aid structure suggests institutional commitment to making education accessible for lower-income students while expecting higher-income families to pay closer to published rates.
Transfer students, representing 27.0% of enrollment, likely benefit from similar aid policies. The aid system balances access with revenue generation, providing substantial support to those most in need while maintaining financial sustainability through higher-income student contributions.
