Cost & financial aid brief
University of Arizona Tuition, Costs & Financial Aid
How much does Arizona cost after financial aid?
Aid covers about 43% of the published cost for the average aid recipient, but the size of that reduction differs across family incomes. Average net prices range from $13,353 in the lowest income band to $22,307 in the highest, with $14,984, $16,051, and $19,777 in the bands between.
The spread between the lowest and highest bands is $8,954. That pattern shows lower average net prices at lower incomes, though the spread is modest.
The published cost of attendance at University of Arizona is $29,423, an average across living arrangements. In-state tuition and fees are $13,926, and room and board is $16,746.
For families earning under $30,000, the average net price is $13,353. For those in the $48,001–$75,000 band, it is $16,051, and for families earning over $110,000, it is $22,307.
Azimuth ranks the university #442 for affordability among nonprofit four-year institutions. Financial aid reduces the sticker price by an average of $12,749, bringing the average net price across all aid recipients to $16,674.
That figure is above the median of $15,634 for comparable institutions (same type and size), a gap of $1,040. Out-of-state students face a published tuition and fees of $42,278.
The median federal student loan debt at completion is $19,620. That median is below the peer median of $20,076 for comparable institutions, a difference of $456.
About 79.3% of federal aid recipients borrow federal loans. Median Parent PLUS borrowing is $30,126.
The estimated monthly payment if repaid over ten years for the median federal debt is $223.
Student loans: what does repayment look like?
The median federal student debt for borrowers who complete a degree at University of Arizona is $19,620. About 79.3% of federal aid recipients take federal loans.
Compared with the $20,076 median at comparable institutions (same type and size), the university's median is below by $456. Parent borrowers, a separate population, carry a median Parent PLUS loan of $30,126.
Graduates of University of Arizona earn a median of $67,420 four years after completing a degree, placing that figure at the 71st percentile among nonprofit four-year institutions. They earn about $5,376 more than expects for similar students, an outcome that sits at the 72nd percentile.
Earnings scenarios, estimated from the university's program mix, range from $48,842 in a downside case to $96,708 in an upside case, with a typical outcome of $67,420. Borrowers who finish carry a median of $19,620 in federal student loans, $456 below the $20,076 median for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $223 a month if repaid over ten years.
Parent borrowers at the university took on a median of $30,126 in Parent PLUS loans, a separate federal borrowing population. The estimated monthly student payment if repaid over ten years is $223.
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
- $30,126
- Estimated parent payment
- $383/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 22.6% | High pressure |
| $100,000 | 10.1% | High pressure |
| $150,000 | 4.8% | Safe |
| $200,000 | 3.2% | 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. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $19,620
- Institution Parent PLUS debt
- $30,126
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $223/mo
- Estimated Parent PLUS payment · monthly
- $383/mo
- Modeled student + parent payments
- $606/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 $67,420, with a $23,940 annual allowance for basic expenses:
6.2% 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.