Cost & financial aid brief
United States Merchant Marine Academy Tuition, Costs & Financial Aid
How much does United States Merchant Marine Academy cost after financial aid?
Aid covers about 33% of the published cost for the average aid recipient, a discount of $2,994 against the sticker price. The pattern across income bands is one of low costs at every level, with the lowest-income families paying the least.
The average net price moves from $1,773 in the bottom band to $9,168 in the top. That narrow range suggests aid is targeted broadly rather than concentrated at the very bottom.
A family reading only the sticker price would see a figure that bears little resemblance to what most aid recipients actually pay.
The published cost of attendance at United States Merchant Marine Academy is $9,168. Azimuth ranks the university #2 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $1,773, for those earning $48,001 to $75,000 it is $5,897, and for those earning over $110,000 it is $9,168. The spread between the lowest and highest bands is $7,395.
Aid covers about 33% of the published cost for the average aid recipient, bringing the across all bands to $6,174. That is $6,648 below the $12,822 median for comparable institutions (same type and size).
Borrowers who finish carry a median of $8,833 in federal student loans, $10,667 below the peer median of $19,500. 86.1% of federal aid recipients borrow federal loans.
If repaid over ten years, that debt corresponds to an estimated payment of $100 a month. It estimates costs and payments for your own situation.
Student loans: what does repayment look like?
Borrowers who complete a degree at United States Merchant Marine Academy carry a median of $8,833 in federal student loans. That is $10,667 below the $19,500 median for comparable institutions (same type and size).
86.1% of federal aid recipients take federal loans. If repaid over ten years, that median debt corresponds to an estimated payment of $100 a month.
Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $92,950. That is $39,834 above the $53,116 median for comparable institutions (same type and size), placing the university at the 95th percentile nationally.
Earnings scenarios, estimated from the program mix, show a tight range. Borrowers who finish leave with a median of $8,833 in federal loans, $10,667 below the median for comparable institutions (same type and size) of $19,500.
If repaid over ten years, that debt corresponds to an estimated payment of $100 a month.
For borrowers with median federal student debt, that debt corresponds to an estimated payment of $100 a month if repaid over ten years.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Student loans: the monthly payment
Financial GPS
What does repayment look like?
- Institution median student debt
- $8,833
- Institution Parent PLUS debt
- No federal loan data
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $100/mo
- Estimated Parent PLUS payment · monthly
- No federal loan data
Payments use school-wide median balances, not a specific major’s.
Student payment as a share of available income
At median graduate earnings of $92,950, with a $23,940 annual allowance for basic expenses:
1.7% 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, $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.
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.