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Cost & financial aid brief

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# SUNY Maritime College Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does SUNY Maritime College cost after financial aid?

At SUNY Maritime College, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $22,367, a reduction of $7,419 from the published cost. That amount sits $9,545 above the median for comparable institutions (same type and size).

The published cost of attendance is $29,786. That figure combines in-state tuition and fees of $8,589 with room and board of $16,814.

Nonresidents are charged $19,159 in tuition and fees. Azimuth ranks the university #906 for affordability among nonprofit four-year institutions.

That places the affordability pillar in the 36th percentile. Aid covers about 25% of the published cost for the average aid recipient.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) reflects what aid recipients pay once grants and scholarships are applied. At SUNY Maritime College, the figure is $22,367.

That is $9,545 above the median for comparable institutions (same type and size). Azimuth places the affordability pillar in the 36th percentile among nonprofit four-year institutions.

Aid recipients in the lowest income band pay $11,726 on average. Aid recipients in the highest income band pay $27,565 on average.

Borrowers who complete a degree hold a median of $23,250 in federal student loans. That figure is $3,750 above the peer median.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s are higher for students from higher-income families. After grants and scholarships, aid recipients from families earning under $30,000 pay $11,726 on average.

The figure is $17,577 for the $30,001–$48,000 band, $20,721 for $48,001–$75,000, $23,634 for $75,001–$110,000, and $27,565 for families earning over $110,000. 22.1% of undergraduates receive Pell Grants, providing context for the lowest band. The spread between the lowest and highest bands is $15,839.

Average net price by family income

**$0–30K**
$11,726

**$30–48K**
$17,577

**$48–75K**
$20,721

**$75–110K**
$23,634

**$110K+**
$27,565

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$22,367**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 25% of the published cost for the average aid recipient, a reduction of $7,419 from the sticker price. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s range from $11,726 for families earning under $30,000 to $27,565 for those earning over $110,000.

The spread between the lowest and highest bands is $15,839, a pattern of lower average costs at lower incomes rather than a flat discount.

The published cost of attendance at SUNY Maritime College is $29,786. Azimuth ranks the university #906 for affordability among nonprofit four-year institutions.

For families earning under $30,000, it is $11,726; for those earning $48,001 to $75,000, it is $20,721; and for those earning over $110,000, it is $27,565. The spread between the lowest and highest bands is $15,839.

Aid covers about 25% of the published cost for the average aid recipient. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) across all aid recipients is $22,367, which is $9,545 above the $12,822 median for comparable institutions (same type and size).

Borrowers who complete a degree carry a median of $23,250 in federal student loans. That is $3,750 above the $19,500 median for comparable institutions.

90.6% of federal aid recipients borrow federal loans. Parents who borrow through the separate [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) program hold a median of $38,700.

If repaid over ten years, the median student debt corresponds to an estimated payment of $264 a month.

## Student loans: what does repayment look like?

Federal-loan borrowers who complete a degree at SUNY Maritime College leave with a median of $23,250. 90.6% of federal aid recipients take federal loans.

That median is $3,750 above the $19,500 median for comparable institutions (same type and size). Parents who borrow through the separate [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) program carry a median of $38,700.

Four years after completing a degree, federally aided graduates of SUNY Maritime College earn a median of $104,752. That figure is $51,636 above the $53,116 median for comparable institutions (same type and size), and it sits at the 97th percentile nationally.

Graduates earn about $21,058 more than the model expects for similar students, a result at the 96th percentile. Earnings scenarios, estimated from the program mix, range from $74,987 on the downside to $115,831 on the upside, with a typical scenario of $104,752.

Borrowers who finish leave with a median of $23,250 in federal loans. That is $3,750 above the peer median of $19,500, and if repaid over ten years it corresponds to an estimated payment of $264 a month.

Earnings are $51,636 above the peer median, and graduates earn about $21,058 more than the model expects for similar students. Median debt is $3,750 above the peer figure.

For the separate population of parent borrowers, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $38,700. 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**
$38,700

**Estimated parent payment**
$492/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 | 29.0% | High pressure |
| $100,000 | 13.0% | High pressure |
| $150,000 | 6.2% | Caution |
| $200,000 | 4.1% | 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=suny-maritime-college#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**
$38,700

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

**Estimated student payment · monthly**
$264/mo

**Estimated Parent PLUS payment · monthly**
$492/mo

**Modeled student + parent payments**
$756/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 $104,752, with a $23,940 annual allowance for basic expenses:

**3.9%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
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=suny-maritime-college#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.