Cost & financial aid brief
Ramapo College of New Jersey Tuition, Costs & Financial Aid
How much does Ramapo College of New Jersey cost after financial aid?
The average net price for aid recipients is $18,173, which is $4,105 above the $14,068 median for comparable institutions (same type and size). Aid covers about 38% of the published cost for the average aid recipient.
The discount is deepest at the bottom of the income scale. Families earning under $30,000 average $9,008, while those in the highest band, over $110,000, average $26,008. The spread between the lowest and highest bands is $17,000.
Families face a published cost of attendance of $29,483 (an average across living arrangements) at Ramapo College of New Jersey, with aid-recipient prices varying widely by income. The average net price, what aid recipients pay after grants and scholarships, is $9,008 for the low-income family-income band, $10,708 for the lower-middle band, and $18,074 for the middle band.
It is $22,949 for the upper-middle family-income band and $26,008 for the high-income band. The spread between the lowest and highest bands is $17,000.
Azimuth ranks the university #515 for affordability among nonprofit four-year institutions. For the average aid recipient, aid covers about 38% of the published cost, or $11,310 against the sticker price.
Across all aid recipients, the average net price is $18,173. The peer median, the middle value for comparable institutions (same type and size), is $14,068; Ramapo's average net price is $4,105 above it.
Published in-state tuition is $16,777, and out-of-state tuition is $27,708. Aid offsets part of the published cost, though the overall aid-recipient price sits above the comparable-institution median.
Among borrowers who completed, median federal student loan debt is $21,000, and 94.0% of federal aid recipients borrow federal loans. The peer median debt for comparable institutions (same type and size) is $21,229, making Ramapo's median $229 below that figure.
That debt corresponds to an estimated payment of $239 a month if repaid over ten years. Median Parent PLUS borrowing is $27,655.
Student loans: what does repayment look like?
At Ramapo College of New Jersey, federal borrowing is widespread, with 94.0% of federal aid recipients taking federal loans. Among borrowers who completed, median federal student loan debt is $21,000.
For comparable institutions (same type and size), the peer median federal debt is $21,229. Ramapo’s median is below that figure by $229.
For the separate population of Parent PLUS parent borrowers, median borrowing is $27,655.
Graduates of Ramapo College of New Jersey earn a median of $67,266 four years after completing a degree. That is $9,965 above the $57,301 median for comparable institutions (same type and size).
Azimuth places the earnings figure in the 71st percentile among nonprofit four-year institutions. The return picture is mixed: graduates earn about $6,527 less than expects for similar students, an outcome that falls in the 30th percentile.
Earnings scenarios, estimated from the mix of programs, range from $49,646 in a downside case to $92,932 in an upside case, with $67,266 as the typical scenario. On the borrowing side, the median federal student debt at completion is $21,000.
That is $229 below the peer median of $21,229, and corresponds to an estimated payment of $239 a month if repaid over ten years.
Parent borrowing is a separate part of the family cost picture: median Parent PLUS borrowing for parent borrowers is $27,655. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $239 a month.
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
- $27,655
- Estimated parent payment
- $351/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $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
- $21,000
- Institution Parent PLUS debt
- $27,655
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $239/mo
- Estimated Parent PLUS payment · monthly
- $351/mo
- Modeled student + parent payments
- $590/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 $67,266, with a $22,590 annual allowance for basic expenses:
6.4% 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.