Cost & financial aid brief
Temple University Tuition, Costs & Financial Aid
How much does Temple University cost after financial aid?
Aid covers about 31% of the published cost for the average aid recipient, lowering the sticker price by an average of $12,705. For families earning under $30,000, it is $22,694, while those earning over $110,000 average $34,947.
The spread between the lowest and highest bands is $12,253. The middle bands show little variation: $23,431 for the $30,001–$48,000 band, $26,534 for $48,001–$75,000, and $29,397 for $75,001–$110,000.
The narrow spread means the average net price does not drop sharply for lower-income families.
The published cost of attendance at Temple University is $40,903. Azimuth ranks the university #1,151 for affordability among nonprofit four-year institutions.
The average net price, what aid recipients pay after grants and scholarships, is $22,694 for families earning under $30,000, $26,534 for those earning $48,001 to $75,000, and $34,947 for those earning over $110,000. The spread between the lowest and highest bands is $12,253.
Aid covers about 31% of the published cost for the average aid recipient, saving them $12,705 against the sticker price. In-state tuition and fees are $23,011, and out-of-state students pay $38,958.
The average net price across all aid recipients is $28,198, which is $12,564 above the peer median of $15,634 for comparable institutions (same type and size). Borrowers who finish carry a median of $24,395 in federal student loans, $4,319 above the peer median of $20,076.
94.0% of federal aid recipients borrow federal loans. Parents who borrow hold a separate median of $36,495 in Parent PLUS loans.
If repaid over ten years, the median federal student debt corresponds to an estimated payment of $277 a month.
Student loans: what does repayment look like?
Borrowing is widespread at Temple University: 94.0% of federal aid recipients take federal loans, and the median federal student debt at completion is $24,395. That median sits above the peer median of $20,076 for comparable institutions (same type and size) by $4,319.
For a separate population of parent borrowers, the median Parent PLUS loan is $36,495.
Graduates of Temple University earn about $803 less than expects for similar students, effectively at the expected level. That outcome falls at the 52nd percentile.
Four years after completion, the median for federally aided graduates who are working and not enrolled is $67,232. That places the earnings figure at the 71st percentile among nonprofit four-year institutions.
Earnings scenarios, estimated from the program mix, show a typical outcome of $67,232. The downside case reaches $48,495 and the upside case reaches $92,313.
Borrowers who complete hold a median of $24,395 in federal student debt. That amount is $4,319 above the $20,076 median for comparable institutions (same type and size).
If repaid over ten years, that debt corresponds to an estimated payment of $277 a month.
Median Parent PLUS borrowing, a separate parent-borrower population, is $36,495. The estimated monthly student payment if repaid over ten years is $277.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $36,495
- Estimated parent payment
- $464/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $24,395
- Institution Parent PLUS debt
- $36,495
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $277/mo
- Estimated Parent PLUS payment · monthly
- $464/mo
- Modeled student + parent payments
- $741/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 $67,232, with a $22,590 annual allowance for basic expenses:
7.4% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- 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, $22,590, uses the published framework’s 2024 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.
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.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, 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.
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.
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.