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Cost & financial aid brief

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# University of Georgia Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does UGA cost after financial aid?

University of Georgia publishes a cost of attendance of $27,993. In its 2025-26 Common Data Set, the university reported in-state tuition of $10,034 and required fees of $1,458 for the 2026-27 academic year, with on-campus food and housing at $12,084.

Out-of-state students face tuition of $30,878. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $13,936.

Aid lowers the average recipient’s cost by $14,057 from the published sticker price. That figure runs $1,698 below the peer median of $15,634 for comparable institutions (same type and size).

Azimuth ranks the university #232 for affordability among nonprofit four-year institutions.

The affordability pillar at the University of Georgia sits in the 84th percentile among nonprofit four-year institutions. For first-time full-time Title IV aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $13,936, which is below the median of $15,634 for comparable institutions (same type and size) by $1,698.

Median federal student debt among borrowers who complete is $18,500, below the comparable-institution median of $20,076 by $1,576. Average net prices run from $8,085 for families earning under $30,000 to $18,079 for families earning over $110,000.

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 $8,085; for $30,001–$48,000 it is $8,686; for $48,001–$75,000 it is $13,096; for $75,001–$110,000 it is $16,942; and for families earning over $110,000 it is $18,079.

Pell Grant recipients make up 16.8% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $9,994.

Average net price by family income

**$0–30K**
$8,085

**$30–48K**
$8,686

**$48–75K**
$13,096

**$75–110K**
$16,942

**$110K+**
$18,079

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$13,936**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

The published cost of $27,993 drops to an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $13,936 for aid recipients, a gap of $14,057. Aid covers about 50% of the published cost for the average aid recipient.

The average net price—what students pay after grants and scholarships—ranges from $8,085 in the lowest income band to $18,079 in the highest, with $8,686, $13,096, and $16,942 in the bands between. In its 2025-26 Common Data Set, the university reported that for the 2025-26 academic year, 1,798 first-year students were determined to have financial need.

Of those, 491 had their need fully met. The average share of need met was 78%, with an average need-based grant of $13,971 and an average total package of $17,230.

In the 2025-26 academic year, 419 first-year students received an average merit award of $2,191.

The University of Georgia publishes a cost of attendance of $27,993. For families earning under $30,000, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $8,085.

For families earning $48,001 to $75,000, the average net price is $13,096. For families earning over $110,000, the average net price is $18,079.

The spread between the lowest and highest bands is $9,994. Azimuth ranks University of Georgia #232 for affordability among nonprofit four-year institutions.

Aid covers about 50% of the published cost for the average aid recipient, an average offset of $14,057. The average net price across all aid recipients is $13,936, which is below the peer median of $15,634 for comparable institutions (same type and size) by $1,698.

The median federal student loan debt at completion is $18,500, with 83.4% of federal aid recipients borrowing. That median is below the peer median of $20,076 for comparable institutions (same type and size) by $1,576.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing stands at $20,855. The median federal student debt corresponds to an estimated payment of $210 a month if repaid over ten years.

## Student loans: what does repayment look like?

Borrowers who finish at University of Georgia hold a median federal student debt of $18,500. That amount sits below the $20,076 median at comparable institutions (same type and size) by $1,576.

83.4% of federal aid recipients take federal loans. Parents who borrow through PLUS represent a separate population with a median debt of $20,855.

In its 2025-26 Common Data Set, the university reported that 30% of its 5,594 bachelor's graduates borrowed from any source, with an average cumulative principal of $21,660 per borrower. That group included 29% with federal loans averaging $17,104 and 4% with private loans averaging $35,220.

Graduates of University of Georgia earn about $4,769 less than the model expects for similar students, an outcome in the 37th percentile among nonprofit four-year institutions. The median earnings four years after completion is $74,144, which places in the 82nd percentile among nonprofit four-year institutions.

Earnings scenarios derived from the university's program mix suggest a typical outcome of $74,144, with a downside scenario of $54,898 and an upside scenario of $100,305. Borrowers finish with a median federal debt of $18,500, which is below the $20,076 median for comparable institutions (same type and size). If repaid over ten years, the estimated monthly payment is $210.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $20,855. The estimated monthly student payment if repaid over ten years is $210.

[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**
$20,855

**Estimated parent payment**
$265/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 | 15.6% | High pressure |
| $100,000 | 7.0% | Caution |
| $150,000 | 3.3% | Safe |
| $200,000 | 2.2% | 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-georgia#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**
$18,500

**Institution Parent PLUS debt**
$20,855

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

**Estimated student payment · monthly**
$210/mo

**Estimated Parent PLUS payment · monthly**
$265/mo

**Modeled student + parent payments**
$475/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 $74,144, with a $23,940 annual allowance for basic expenses:

**5.0%** 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-georgia#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.