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Cost & financial aid brief

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# Stetson University Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/stetson-university/)Cost & aid[Outcomes](/school/stetson-university/outcomes/)[Admissions](/school/stetson-university/admissions/)[Majors](/school/stetson-university/majors/)[Similar schools](/school/stetson-university/similar/)

**On this page**+

## How much does Stetson University cost after financial aid?

At Stetson University, aid recipients face an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $19,372, what aid recipients pay after grants and scholarships. The published cost of attendance is $72,533, an average across living arrangements.

On-campus tuition and fees are $57,410, and room and board is $17,728. Financial aid offsets $53,161 from the published cost on average.

Compared with comparable institutions (same type and size), the average net price is $7,999 below the peer median of $27,371. Azimuth places the university’s affordability pillar in the 40th percentile among nonprofit four-year institutions.

The lower net price than peers and the average aid offset point in the same direction.

Stetson University posts a sticker price of $72,533 (an average across living arrangements), yet the average aid recipient pays $19,372 after grants and scholarships. That amount falls $7,999 below the median for comparable institutions (same type and size).

Borrowers who finish hold a median of $23,250 in federal loans, $949 below the peer median. By income band, families earning under $30,000 average $15,931.

Those earning over $110,000 average $26,904. Azimuth ranks the university #855 for affordability among nonprofit four-year institutions. That places the pillar in the 40th percentile.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s are lowest in the next-lowest family-income band rather than the lowest band. By band from lowest to highest income, average net prices are $15,931, $14,657, $17,327, $22,600, and $26,904.

Pell Grants reach 37.2% of undergraduates, which provides financial-access context for the lowest band. The spread between the lowest and highest bands is $10,973.

Average net price by family income

**$0–30K**
$15,931

**$30–48K**
$14,657

**$48–75K**
$17,327

**$75–110K**
$22,600

**$110K+**
$26,904

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$19,372**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 73% of the published cost for the average aid recipient. The pattern across income bands shows lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/a-value-added-approach-to-college-outcomes/), the gap between what graduates earn and what the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$48,703

**Estimated parent payment**
$619/mo

Modeled Parent PLUS pressure by income

| Household income | Share of income above basic expenses | Risk level |
| --- | --- | --- |
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 36.5% | High pressure |
| $100,000 | 16.4% | High pressure |
| $150,000 | 7.8% | Caution |
| $200,000 | 5.1% | 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](/financial-gps/?tool=parent&school=stetson-university#parent-tool). [Read the assumptions and limits](#cost-data-notes).

## 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 $23,940 annual allowance for basic expenses:

**9.4%** of income above the allowance · Good

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
3.  Concerning 12–20%
4.  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.

[Read the framework and its limits](/analysis/financial-gps-framework/).

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.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=stetson-university#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), 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](/about/).

**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](https://collegescorecard.ed.gov/data/).

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.