SUNY New Paltz's published cost of attendance is $27,034 per year, including $18,434 in out-of-state tuition (or $8,524 for New York residents), $15,896 for room and board, and $1,240 for books and supplies. However, the average student pays just $18,481 after financial aid, representing $8,553 in financial aid savings.
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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) | $28,428 |
| Tuition and Fees | $18,822 |
| Room and Board | $16,684 |
| Books and Supplies | $1,250 |
| Average Financial Aid (Grants and Scholarships) | -$9,619 |
| Average Net Price (What Families Pay) | $18,809 |
| Family Income | Net Price |
|---|---|
| $0–30k | $10,541 |
| $30–48k | $13,969 |
| $48–75k | $20,178 |
| $75–110k | $21,937 |
| $110k+ | $26,256 |
SUNY New Paltz's published cost of attendance is $27,034 per year, including $18,434 in out-of-state tuition (or $8,524 for New York residents), $15,896 for room and board, and $1,240 for books and supplies. However, the average student pays just $18,481 after financial aid, representing $8,553 in financial aid savings. This net price places SUNY New Paltz $4,388 above the peer median of $14,093, indicating higher costs than typical public institutions in its comparison group.
The difference reflects SUNY New Paltz's stronger academic profile and location in New York, where educational costs tend to exceed national averages. Net prices vary significantly by family income, ranging from $11,330 for the lowest-income families to $25,074 for the highest-income tier. This $13,744 spread demonstrates progressive financial aid that concentrates support toward families with the greatest need.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
SUNY New Paltz graduates maintain manageable borrowing levels relative to both peer institutions and their post-graduation earnings. Median student debt of $18,750 falls $2,355 below the peer median of $21,105, ranking in the 76th percentile nationally for favorable debt outcomes.
Student debt ranges from $7,500 at the 25th percentile to $24,282 at the 75th percentile, with most graduates borrowing moderate amounts. The debt-to-earnings ratio of 0.32 indicates that typical graduates' debt equals roughly one-third of their annual median earnings, a sustainable level that supports manageable repayment.
Parent PLUS loans show a median debt of $20,016 with monthly payments of $264, representing additional family investment but not creating excessive burden. The combination of controlled student borrowing, earnings of $58,073, and debt levels below peer medians creates favorable conditions for post-graduation financial stability.
How cost compares to graduate earnings and value added.
SUNY New Paltz represents a solid educational investment with above-average earnings outcomes achieved through moderate debt levels. While graduates earn $1,581 below expectations relative to student demographics, placing return performance around the national average, the institution delivers median earnings of $58,073 that exceed peer institutions by $7,957.
This earnings advantage, combined with debt levels $2,355 below peer medians, creates a favorable investment profile. The debt-to-earnings ratio of 0.32 indicates sustainable borrowing relative to career outcomes.
Students can expect steady earnings growth from $45,555 at six years to $58,073 at ten years, representing 27.5% career advancement. Low-income graduates earn $46,100, demonstrating the institution's effectiveness in supporting economic mobility for students from disadvantaged backgrounds.
SUNY New Paltz serves 32.9% Pell-eligible students, indicating that roughly one-third of enrolled students qualify for federal need-based grants typically awarded to families earning under $50,000 annually. This Pell share places the institution above many moderately selective public universities and reflects institutional commitment to economic accessibility.
The average financial aid savings of $8,553 reduces the published cost from $27,034 to $18,481, though this net price still exceeds peer institutions by $4,388. Net price patterns by income demonstrate progressive aid allocation, with the steepest subsidies concentrated among families earning under $48,000.
The financial aid profile supports the institution's role as an Opportunity Builder, providing pathways for first-generation and lower-income students while managing overall affordability challenges associated with New York's higher education costs. Students from families earning under $75,000 can expect substantial financial aid packages that bring costs well below the sticker price.
