Temple University's published cost of attendance reaches $39,799 annually, including $37,462 in out-of-state tuition, $16,968 for room and board, and $1,240 for books and supplies. Pennsylvania residents pay $22,082 in-state tuition, creating a substantial $15,380 difference between resident and non-resident rates.
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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) | $39,799 |
| Tuition and Fees | $37,462 |
| Room and Board | $16,968 |
| Books and Supplies | $1,240 |
| Average Financial Aid (Grants and Scholarships) | -$10,580 |
| Average Net Price (What Families Pay) | $29,219 |
| Family Income | Net Price |
|---|---|
| $0–30k | $23,080 |
| $30–48k | $24,278 |
| $48–75k | $28,493 |
| $75–110k | $31,578 |
| $110k+ | $34,632 |
Temple University's published cost of attendance reaches $39,799 annually, including $37,462 in out-of-state tuition, $16,968 for room and board, and $1,240 for books and supplies. Pennsylvania residents pay $22,082 in-state tuition, creating a substantial $15,380 difference between resident and non-resident rates. However, the average student pays $29,219 after financial aid, representing savings of $10,580 from the sticker price.
This net price of $29,219 exceeds the peer median of $15,590 by $13,629, positioning Temple as more expensive than typical public institutions of similar characteristics. The higher-than-peer net price reflects Temple's urban location and comprehensive programming but creates affordability challenges for middle-income families. Students should carefully evaluate the cost-benefit relationship, considering Temple's strong earnings outcomes of $63,727 median income ten years after graduation.
Temple University's financial aid approach reflects its commitment to serving diverse student populations, particularly those from lower-income backgrounds. The university enrolls 30.1% Pell-eligible students, indicating significant financial need within the student body.
Financial aid generates average savings of $10,580 from the sticker price, though this leaves net prices substantially above peer medians. The progressive pricing structure shows the university targets aid toward families with the greatest financial need, with lowest-income students paying $23,080 compared to highest-income students paying $34,632.
However, middle-income families earning $75,000-$110,000 face costs of $31,578, creating potential accessibility challenges for this demographic. The aid distribution supports Temple's mission of educational access while requiring careful financial planning from prospective families.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Temple University students graduate with median debt of $24,395, which falls below average nationally at the 38th percentile despite exceeding the peer median of $20,000 by $4,395. Student debt ranges from $11,000 at the 25th percentile to $28,500 at the 75th percentile, showing most graduates maintain manageable borrowing levels.
The debt-to-earnings ratio of 0.38 indicates that typical graduates' debt equals roughly 38% of their annual income, a sustainable level for most borrowers. Parent PLUS borrowing adds $31,453 in median debt with monthly payments of $414, representing additional family financial obligations beyond student borrowing.
The combination of student and parent debt requires careful family financial planning, though Temple's strong earnings outcomes of $63,727 support debt service capacity. Compared to peer institutions, Temple graduates carry moderately higher debt but earn $3,184 more annually, creating favorable long-term financial prospects.
How cost compares to graduate earnings and value added.
Temple University generates strong return on educational investment through the combination of solid earnings outcomes and controlled debt levels. Graduates earn $7,983 beyond expectations based on student demographics, ranking at the 81.6th percentile nationally for value-added performance.
This uplift demonstrates Temple's effectiveness in supporting student success beyond what background characteristics alone would predict. Median earnings of $63,727 exceed peer institutions by $3,184 annually, indicating competitive career preparation.
The debt-to-earnings ratio of 0.38 remains within sustainable ranges for most graduates, though slightly elevated compared to peer institutions. Temple's return index ranks at the 84.1st percentile nationally with strong performance, reflecting favorable long-term financial outcomes for graduates.
