Cost & financial aid brief
State University of New York at Plattsburgh Tuition, Costs & Financial Aid
How much does State University of New York at Plattsburgh cost after financial aid?
Aid discounts are largest at the lower end of the income range, although the average aided price remains substantial. Against a published cost of $28,244, the average aid recipient has an average net price of $17,156, an offset of $11,088.
Aid covers about 39% of the published cost for the average aid recipient. Prices move from $9,400 in the lowest-income band to $12,121 in the next band, $17,076 in the middle band, $17,655 in the next-highest band, and $24,611 in the highest-income band.
The $15,211 spread between the endpoints shows a pricing pattern with larger aid discounts for lower-income families.
Family income is the main divider in what aid recipients pay at State University of New York at Plattsburgh, where the published cost of attendance is $28,244. Average net price, what aid recipients pay after grants and scholarships, is $9,400 in the lowest family-income band; $12,121 in the lower-middle band; $17,076 in the middle band; $17,655 in the upper-middle band; and $24,611 in the highest band.
The spread between the lowest and highest bands is $15,211. Azimuth ranks the university #433 for affordability among nonprofit four-year institutions.
For the average aid recipient, aid covers about 39% of the published cost, or $11,088 against the sticker price. Across aid recipients, the average net price is $17,156.
That figure is $3,088 above the peer median of $14,068, the middle value for comparable institutions (same type and size). In-state tuition is $9,035, and out-of-state tuition is $18,945.
Aid offsets part of the published cost, but the overall average remains above the comparable-institution benchmark. For borrowers who complete, median federal student loan debt is $21,196, and 90.6% of federal aid recipients borrow federal loans.
This is $33 below the peer median federal debt of $21,229 at comparable institutions (same type and size). That debt corresponds to an estimated payment of $241 a month if repaid over ten years.
Median Parent PLUS borrowing for parent borrowers is $19,010.
Student loans: what does repayment look like?
At State University of New York at Plattsburgh, federal borrowing is common: 90.6% of federal aid recipients take federal loans. Among borrowers who complete, median federal student loan debt is $21,196.
The median is $33 below the $21,229 peer median, the middle value for comparable institutions (same type and size). Parent PLUS borrowers are a separate parent-borrower population, with median borrowing of $19,010.
For State University of New York at Plattsburgh, the investment picture is mixed: earnings sit above comparable peers, but expects more from similar students. Graduates working and not enrolled report median earnings of $58,319 four years after completion, placing the measure in the 44th percentile among nonprofit four-year institutions.
Graduates earn about $7,021 less than the model expects for similar students. Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, is in the 28th percentile among nonprofit four-year institutions.
The program-mix earnings scenarios range from $47,722 in the downside scenario to $79,515 in the upside scenario, with $58,319 in the typical scenario. Median federal student loan debt at completion is $21,196, $33 below the $21,229 median for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $241 a month if repaid over ten years. Lower debt and above-peer earnings sit alongside below-expected earnings.
Parent borrowers have a separate federal borrowing figure: median Parent PLUS borrowing is $19,010. For student borrowers, the federal debt measure corresponds to an estimated payment of $241 a month if repaid over ten years.
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
- $19,010
- Estimated parent payment
- $242/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
- $21,196
- Institution Parent PLUS debt
- $19,010
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $241/mo
- Estimated Parent PLUS payment · monthly
- $242/mo
- Modeled student + parent payments
- $483/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 $58,319, with a $22,590 annual allowance for basic expenses:
8.1% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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.