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Cost & financial aid brief

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# Stockton University Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

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

For a public university, Stockton University presents a published annual cost of $35,139, with in-state tuition and fees of $16,266 and room and board of $15,834. Out-of-state tuition and fees are $24,524.

For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $20,670. Average financial aid offsets $14,469 from the published cost.

The peer median, the middle value for comparable institutions (same type and size), is $14,068, placing Stockton's average net price $6,602 above that benchmark. Azimuth places affordability at the 60th percentile among nonprofit four-year institutions.

The above-peer net price and this affordability standing point to a cost picture that merits close attention.

After grants and scholarships, aid recipients at Stockton University pay an average of $20,670. That figure is $6,602 above the $14,068 median for comparable institutions (same type and size).

Among nonprofit four-year institutions, Azimuth places the university in the 60th percentile for affordability. Borrowers who complete their degree hold a median of $20,500 in federal loans.

That debt is $729 below the $21,229 median for comparable institutions (same type and size). By income band, the lowest averages $15,135 and the highest averages $28,601.

[Net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s are lowest in the next-lowest income band rather than the lowest one. Average net price is $15,135 for families in the lowest band, $14,264 in the next-lowest band, $18,964 in the middle band, $26,140 in the next-highest band, and $28,601 in the highest band.

Pell Grants reach 42.3% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $13,466.

Average net price by family income

**$0–30K**
$15,135

**$30–48K**
$14,264

**$48–75K**
$18,964

**$75–110K**
$26,140

**$110K+**
$28,601

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$20,670**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid brings the average recipient's published cost down by $14,469, leaving an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $20,670. Aid covers about 41% of the published cost for the average aid recipient.

Pricing is lower in the lower income bands: average net prices are $15,135 in the lowest band and $14,264 in the next-lowest band, compared with $18,964 in the middle band, $26,140 in the next-highest band, and $28,601 in the highest band. The $13,466 spread shows aid reaching further at lower incomes across these averages, rather than describing any individual package.

Published cost of attendance at Stockton University is $35,139, but average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s vary across family-income bands. The average net price, what aid recipients pay after grants and scholarships, is $15,135 for the lowest family-income band; $14,264 for the lower-middle band; $18,964 for the middle band; $26,140 for the upper-middle band; and $28,601 for the highest band.

The spread between the lowest and highest bands is $13,466. Azimuth ranks Stockton University #570 for affordability among nonprofit four-year institutions.

For the average aid recipient, aid covers about 41% of the published cost, a savings of $14,469 against the sticker price. Across all aid recipients, the average net price is $20,670.

The peer median, the middle value for comparable institutions (same type and size), is $14,068, putting Stockton’s average net price $6,602 above that figure. Published tuition is $16,266 for in-state students and $24,524 for out-of-state students.

Aid reduces the published cost, though the overall net price sits above the peer median. Among borrowers who completed, median federal student loan debt at completion is $20,500, and 90.1% of federal aid recipients borrow federal loans.

At comparable institutions (same type and size), median federal debt is $21,229, leaving Stockton’s figure $729 below the peer median. That debt corresponds to an estimated payment of $233 a month if repaid over ten years.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $23,182.

## Student loans: what does repayment look like?

Federal borrowing is widespread at Stockton University, with 90.1% of federal aid recipients taking federal loans. That makes the debt figures relevant to most students who finance their education this way.

For borrowers who complete, median federal student loan debt is $20,500. Among comparable institutions (same type and size), the peer median is $21,229, and Stockton’s figure is $729 below it.

[Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowers are a separate parent-borrower population, with median borrowing of $23,182.

Mobility is Stockton University’s strongest Azimuth pillar, but its financial return evidence is mixed. Graduates working and not enrolled earn median earnings of $58,872 four years after completion.

Azimuth places that earnings figure in the 47th 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, are less favorable.

Graduates earn about $2,894 less than the model expects for similar students. Azimuth places earnings beyond expectations in the 44th percentile among nonprofit four-year institutions.

Earnings scenarios place downside earnings at $49,805, typical earnings at $58,872, and upside earnings at $72,103. Median federal debt of $20,500 is below the $21,229 peer median, and that debt corresponds to an estimated payment of $233 a month if repaid over ten years.

Lower-than-expected earnings alongside lower-than-peer debt leave a mixed return picture.

[Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowers have median borrowing of $23,182, a figure for parents rather than student borrowers. For borrowers with median federal debt, that debt corresponds to an estimated payment of $233 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**
$23,182

**Estimated parent payment**
$295/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 | 17.4% | High pressure |
| $100,000 | 7.8% | Caution |
| $150,000 | 3.7% | Safe |
| $200,000 | 2.4% | 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=stockton-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**
$20,500

**Institution Parent PLUS debt**
$23,182

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$233/mo

**Estimated Parent PLUS payment · monthly**
$295/mo

**Modeled student + parent payments**
$528/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 $58,872, with a $23,940 annual allowance for basic expenses:

**8.0%** 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=stockton-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.