Cost & financial aid brief
Rowan University Tuition, Costs & Financial Aid
How much does Rowan University cost after financial aid?
The published cost of attendance is $35,842, and the average aid recipient pays a net price of $22,408. That is a sticker-to-net gap of $13,434, meaning aid covers about 37% of the published cost for the average aid recipient.
Those are averages, not a promise for any particular family. The pattern across income bands shows the lowest prices at the lowest incomes.
Families earning under $30,000 average $15,305, and those earning $30,001 to $48,000 average $15,264. The middle band, at $48,001 to $75,000, averages $19,245.
The two highest bands average $27,580 and $30,378, respectively. The spread between the lowest and highest bands is $15,073. The bottom two bands sit nearly level, and most of the gap opens above $75,000.
Rowan University publishes a cost of attendance of $35,842, with in-state tuition and fees at $16,574 and room and board at $16,928. After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $15,305, rising to $19,245 for the $48,001–$75,000 band and $30,378 for families earning over $110,000.
The spread between the lowest and highest bands is $15,073, a difference of averages across income groups. Azimuth ranks the university #691 for affordability among nonprofit four-year institutions.
Aid covers about 37% of the published cost for the average aid recipient, an offset of $13,434 against the sticker price. The average net price across all aid recipients is $22,408, which sits above the peer median of $15,634 for comparable institutions (same type and size) by $6,774.
Out-of-state students face a higher published tuition of $26,932, though individual aid packages can shift the final cost. Among federal-loan borrowers who completed, the median federal student debt is $20,500.
That median is above the peer median of $20,076 for comparable institutions. About 90.0% of federal aid recipients borrow federal loans.
For parents, the median Parent PLUS borrowing is $27,445. If repaid over ten years, the median federal debt corresponds to an estimated payment of $233 a month.
Student loans: what does repayment look like?
Completers at Rowan University finish with a median federal student debt of $20,500, which is above the median for comparable institutions (same type and size). Parents who borrow through the Parent PLUS program, a separate borrower population from student borrowers, have a median loan of $27,445.
Rowan University's return picture is mixed. Graduates earn a median of $62,686 four years after completion, which sits in the 59th percentile among nonprofit four-year institutions.
They earn about $6,937 less than expects for similar students, a result in the 29th percentile. Earnings scenarios from the university's program mix show a typical earnings level at the same amount, with a downside scenario of $49,981 and an upside scenario of $83,948.
The median federal student debt at completion is $20,500, which is above the median for comparable institutions (same type and size). That debt corresponds to an estimated payment of $233 a month if repaid over ten years.
Earnings that fall below the model's expectation and sit below the median for comparable institutions point in the same direction, while the debt load is in line with peers.
Median Parent PLUS borrowing, a separate parent-borrower population, is $27,445. The estimated monthly student payment if repaid over ten years is $233.
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
- $27,445
- Estimated parent payment
- $349/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 20.6% | High pressure |
| $100,000 | 9.2% | Caution |
| $150,000 | 4.4% | Safe |
| $200,000 | 2.9% | Safe |
The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. Open the parent tool for your own numbers. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $20,500
- Institution Parent PLUS debt
- $27,445
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $233/mo
- Estimated Parent PLUS payment · monthly
- $349/mo
- Modeled student + parent payments
- $582/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 $62,686, with a $23,940 annual allowance for basic expenses:
7.2% 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, $23,940, uses the published framework’s 2026 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.