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Cost & financial aid brief

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# Truman State University Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does Truman State University cost after financial aid?

Affordability is the strongest pillar at Truman State University, and the published cost of attendance is $25,115. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $12,780, which is $1,288 below the $14,068 median for comparable institutions (same type and size).

The sticker price includes in-state tuition and fees of $9,838 and room and board of $11,128. Out-of-state students face tuition and fees of $18,566.

Financial aid covers about 49% of the published cost for the average aid recipient, saving them $12,335 off the sticker price. Azimuth ranks the university #235 for affordability among nonprofit four-year institutions. That places the affordability pillar in the 83rd percentile.

Affordability is the strongest pillar at Truman State University, and Azimuth places it at the 83rd percentile among nonprofit four-year institutions. At $12,780, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) sits $1,288 below the median of $14,068 for comparable institutions (same type and size).

By family income band, the average net price starts at $6,046 for those earning under $30,000 and reaches $17,220 for those earning over $110,000. Borrowers who complete a degree carry a median of $21,000 in federal student loans, $229 below the median for comparable institutions of $21,229.

At Truman State University, aid recipients in lower family-income bands face lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s than those in higher bands. The average net price is $6,046 for families in the lowest band; $7,926 for the next band; $12,426 for the middle band; $15,425 for the next-highest band; and $17,220 for the highest band.

Pell Grants reach 16.5% of undergraduates, providing financial-access context for the lowest band. Measured across the lowest and highest bands, the spread is $11,174.

Average net price by family income

**$0–30K**
$6,046

**$30–48K**
$7,926

**$48–75K**
$12,426

**$75–110K**
$15,425

**$110K+**
$17,220

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$12,780**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid is concentrated toward lower listed income bands, leaving lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s for those recipients than for families in the upper bands. Aid covers about 49% of the published cost for the average aid recipient.

The sticker-to-net gap is $12,335, leaving an average net price of $12,780. Across the bands, average net price runs from $6,046 at the low end to $17,220 at the high end, with $7,926, $12,426, and $15,425 in between.

That ordering shows a pricing pattern that directs more aid toward lower-income bands, though each figure remains an average rather than an individual award.

The published cost of attendance at Truman State University is $25,115. Azimuth ranks the university #235 for affordability among 1,467 nonprofit four-year institutions.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients from families earning under $30,000 is $6,046, for those earning $48,001 to $75,000 it is $12,426, and for those earning over $110,000 it is $17,220. The spread between the lowest and highest bands is $11,174.

Aid covers about 49% of the published cost for the average aid recipient, bringing the overall average net price to $12,780. That is $1,288 below the $14,068 median for comparable institutions (same type and size).

Borrowers who complete a degree carry a median of $21,000 in federal student loans, $229 below the peer median of $21,229. The estimated payment on that debt is $239 a month if repaid over ten years.

Parents who borrow through the separate [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) program hold a median of $14,503.

## Student loans: what does repayment look like?

At Truman State University, 88.8% of federal aid recipients borrow federal loans, so loan use is a common part of the cost picture. Among completers who borrowed, median federal student loan debt at completion is $21,000.

The peer median federal debt at comparable institutions (same type and size) is $21,229, and the university's median is $229 below that figure. For [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowers, a separate parent-borrower population, median borrowing is $14,503.

Lower borrowing gives Truman State University a modest starting point on cost, though its earnings picture is mixed. Among federally aided completers who are working and not enrolled, median earnings are $56,947 four years after completion.

Azimuth places that earnings figure in the 39th percentile among nonprofit four-year institutions. Graduates earn about $2,069 less than the model expects for similar students.

[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, falls in the 47th percentile among nonprofit four-year institutions. The earnings scenarios range from $44,511 in a downside scenario to $82,865 in an upside scenario, with $56,947 as the typical scenario.

Median federal student loan debt at completion is $21,000, $229 below the peer median of $21,229 at comparable institutions (same type and size). That debt corresponds to an estimated payment of $239 a month if repaid over ten years.

Lower debt sits alongside a broad scenario range and earnings below the model's expectation.

For parent borrowers, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $14,503, a figure separate from federal student borrowing. For student borrowers, that debt corresponds to an estimated payment of $239 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**
$14,503

**Estimated parent payment**
$184/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 | 10.9% | High pressure |
| $100,000 | 4.9% | Safe |
| $150,000 | 2.3% | Safe |
| $200,000 | 1.5% | 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=truman-state-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**
$21,000

**Institution Parent PLUS debt**
$14,503

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

**Estimated student payment · monthly**
$239/mo

**Estimated Parent PLUS payment · monthly**
$184/mo

**Modeled student + parent payments**
$423/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 $56,947, with a $23,940 annual allowance for basic expenses:

**8.7%** 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=truman-state-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.