Cost & financial aid brief
Stetson University Tuition, Costs & Financial Aid
How much does Stetson University cost after financial aid?
Aid covers about 73% of the published cost for the average aid recipient. The pattern across income bands shows lower average net prices at lower incomes, from $15,931 in the lowest band to $26,904 in the highest, a spread of $10,973.
In its 2024-25 Common Data Set, the university reported that for the 2024-25 academic year, first-year students determined to have need received an average need-based grant of $48,329. Their average total package was $56,068, meeting 89% of need on average.
Of the 556 students with need, 190 had their need fully met. The university also reported that in the 2024-25 academic year, 130 first-year students received merit awards averaging $33,377.
The published cost of attendance at Stetson University is $72,533 (an average across living arrangements), and aid-adjusted prices differ across family-income bands. The average net price, what aid recipients pay after grants and scholarships, is $15,931 for the lowest family-income band, $14,657 for the lower-middle band, and $17,327 for the middle band.
For the upper-middle family-income band, the average net price is $22,600, while the average net price for the highest family-income band is $26,904. The spread between the lowest and highest bands is $10,973.
Azimuth ranks the university #855 for affordability among nonprofit four-year institutions. For the average aid recipient, aid covers about 73% of the published cost, with average financial aid savings of $53,161.
For first-time full-time aid recipients, the average net price is $19,372, which is $7,999 below the peer median of $27,371 for comparable institutions (same type and size). Published tuition and fees are $57,410, and room and board are listed at $17,728.
The aid offset and the lower peer comparison point in the same direction for aid recipients. Among borrowers who completed, median federal student loan debt is $23,250, and 91.2% of federal aid recipients borrow federal loans.
That median is $949 below the peer median of $24,199 for comparable institutions (same type and size). That debt corresponds to an estimated payment of $264 a month if repaid over ten years.
Median Parent PLUS borrowing is $48,703.
Student loans: what does repayment look like?
Federal borrowing touches 91.2% of federal aid recipients, and completers who borrowed have median federal student loan debt of $23,250. Among comparable institutions (same type and size), the peer median is $24,199, placing Stetson University $949 below it.
For the separate population of parent borrowers, median Parent PLUS borrowing is $48,703. In its 2024-25 Common Data Set, the university reported that 57% of graduates borrowed from any source, with average cumulative debt of $29,276 per borrower.
Including 56% of graduates with federal loans, the average federal amount was $20,486. Private loans were held by 13% of graduates and averaged $40,463 per private borrower.
For prospective borrowers, lower-than-peer debt is offset by a less favorable earnings picture at Stetson University. Federally aided completers who are working and not enrolled have median earnings of $57,773 four years after completion.
Azimuth places that earnings level in the 43rd percentile among nonprofit four-year institutions. Earnings beyond expectations, the gap between what graduates earn and what expects for similar students, point in the same direction.
Graduates earn about $5,691 less than the model expects for similar students. Azimuth places this measure in the 34th percentile among nonprofit four-year institutions.
The downside scenario is $44,904 and the upside scenario is $75,827, with the typical scenario at the same level as median earnings. Median federal student loan debt is $23,250, while the peer median for comparable institutions (same type and size) is $24,199, leaving Stetson $949 below the peer figure.
That debt corresponds to an estimated payment of $264 a month if repaid over ten years. Lower debt than peers sits alongside earnings below the model's expectation.
For the separate population of Parent PLUS parent borrowers, median borrowing is $48,703. For student borrowers, that debt corresponds to an estimated payment of $264 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
- $48,703
- Estimated parent payment
- $619/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Caution |
| $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
- $23,250
- Institution Parent PLUS debt
- $48,703
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $264/mo
- Estimated Parent PLUS payment · monthly
- $619/mo
- Modeled student + parent payments
- $883/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 $57,773, with a $22,590 annual allowance for basic expenses:
9.0% 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.