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Cost & financial aid brief

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# University of Arizona Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does Arizona cost after financial aid?

The University of Arizona publishes a cost of attendance of $29,423 (an average across living arrangements). In-state tuition and fees are $13,926, and room and board adds $16,746.

Out-of-state students pay $42,278 in tuition and fees. After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $16,674.

That is $1,040 above the $15,634 median for comparable institutions (same type and size). Aid covers about 43% of the published cost for the average aid recipient.

Azimuth ranks the university #442 for affordability among nonprofit four-year institutions.

For University of Arizona, affordability is the weakest of the four pillars, at the 69th percentile among nonprofit four-year institutions. After grants and scholarships, aid recipients pay $16,674 on average, a figure that runs $1,040 above the median for comparable institutions (same type and size).

Among completers who borrowed, median federal student debt is $19,620, $456 below the median for comparable institutions (same type and size). Aid recipients from families earning under $30,000 pay $13,353 on average, while those from families earning over $110,000 pay $22,307.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band show a progressive structure. For families earning under $30,000 the average net price is $13,353; for $30,001–$48,000 it is $14,984; for $48,001–$75,000 it is $16,051; for $75,001–$110,000 it is $19,777; and for families earning over $110,000 it is $22,307.

Pell Grant recipients make up 25.7% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $8,954.

Average net price by family income

**$0–30K**
$13,353

**$30–48K**
$14,984

**$48–75K**
$16,051

**$75–110K**
$19,777

**$110K+**
$22,307

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$16,674**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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 price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) loans, a separate federal borrowing population. The estimated monthly student payment if repaid over ten years is $223.

[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**
$30,126

**Estimated parent payment**
$383/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 | 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](/financial-gps/?tool=parent&school=university-of-arizona#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**
$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

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
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=university-of-arizona#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.