SUNY Maritime's published cost of attendance is $28,880 per year, including $18,450 in out-of-state tuition, $16,146 for room and board, and $1,500 for books and supplies. In-state students pay $8,540 in tuition, substantially reducing the total cost burden.
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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) | $28,880 |
| Tuition and Fees | $18,450 |
| Room and Board | $16,146 |
| Books and Supplies | $1,500 |
| Average Financial Aid (Grants and Scholarships) | -$7,099 |
| Average Net Price (What Families Pay) | $21,781 |
| Family Income | Net Price |
|---|---|
| $0–30k | $14,478 |
| $30–48k | $15,378 |
| $48–75k | $22,225 |
| $75–110k | $21,922 |
| $110k+ | $26,193 |
SUNY Maritime's published cost of attendance is $28,880 per year, including $18,450 in out-of-state tuition, $16,146 for room and board, and $1,500 for books and supplies. In-state students pay $8,540 in tuition, substantially reducing the total cost burden. The average student pays $21,781 after financial aid, representing savings of $7,099 from the sticker price.
Net price exceeds the peer median of $13,302 by $8,479, reflecting the specialized nature of maritime programs and facilities required for technical training. The higher net costs relative to comprehensive public universities reflect both the specialized program offerings and the student demographic composition. Financial aid primarily benefits students through need-based grants rather than merit scholarships, with aid effectiveness varying significantly by family income level.
SUNY Maritime's financial aid structure reflects both the specialized nature of maritime education and the economic demographics of enrolled students. With 20.6% Pell-eligible enrollment, the institution serves fewer low-income students than comprehensive public universities but provides meaningful aid concentration toward those who qualify.
The $7,099 average financial aid savings from sticker price represents moderate aid effectiveness, with most support directed toward students in the lowest income tiers. Aid packages likely combine federal Pell grants, state aid for New York residents, and institutional grants, though merit aid may be limited given the specialized program focus.
The progressive aid structure shown in income-tier pricing indicates effective need-based targeting, with families earning under $48,000 receiving substantial cost reductions. Students from moderate-income families may find limited aid availability, contributing to the economic demographic profile that skews toward middle and upper-middle-class backgrounds.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
SUNY Maritime graduates carry median debt of $23,250, representing around the national average for public institutions but below the typical burden for specialized technical programs. Debt ranges from $9,250 at the 25th percentile to $27,000 at the 75th percentile, indicating controlled borrowing patterns across the student body.
With median earnings of $95,951, the debt-to-earnings ratio of 0.24 indicates highly manageable repayment obligations relative to career outcomes. Debt levels remain $1,750 below the peer median of $21,500, demonstrating effective debt management despite higher net prices than typical public institutions.
Parent PLUS debt averages $28,390 with monthly payments of $374, reflecting family investment in specialized maritime education. The combination of moderate student debt with exceptional earnings outcomes creates favorable financial positioning for graduates entering maritime careers.
How cost compares to graduate earnings and value added.
SUNY Maritime represents an exceptional return on educational investment despite higher costs than comprehensive public universities. Graduates earn $21,402 beyond expectations relative to similar students, ranking at the 94.9th percentile nationally for earnings uplift.
The $49,277 annual earnings premium over the peer median of $46,674 provides substantial return on the additional educational costs. With median debt of $23,250 and a favorable 0.24 debt-to-earnings ratio, graduates maintain strong financial positioning for career advancement and wealth building.
The institution's top 5% ranking for both median earnings and low-income earnings outcomes demonstrates consistent value creation across student backgrounds. Return on investment ranks at the 98th percentile nationally, indicating exceptional value despite higher upfront costs.
