Cost & financial aid brief
University of Illinois Springfield Tuition, Costs & Financial Aid
How much does UIS cost after financial aid?
The pricing pattern shows substantially lower average costs for aid recipients in lower income bands. The published cost of attendance is $25,521, compared with an average net price of $9,833, leaving average aid savings of $15,688.
Aid covers about 61% of the published cost for the average aid recipient. Across the income bands, are $5,778 in the lowest band, $5,915 in the next-lowest band, $9,520 in the middle band, $12,349 in the next-highest band, and $16,544 in the highest band.
Published charges are the starting point before grants and scholarships, and these figures are averages rather than amounts assured to any family. The lower prices at lower incomes show the pattern of aid targeting without describing any individual package.
The published cost of attendance at University of Illinois Springfield is $25,521, with much lower average net prices after aid for families in the lowest income band. Average net price, what aid recipients pay after grants and scholarships, is $5,778 for the lowest family-income band; $5,915 for the lower-middle band; $9,520 for the middle band; $12,349 for the upper-middle band; and $16,544 for the highest band.
The spread between the lowest and highest bands is $10,766. Azimuth ranks the university #109 for affordability among nonprofit four-year institutions.
Aid covers about 61% of the published cost for the average aid recipient, offsetting $15,688 against the sticker price. Across all aid recipients, the average net price is $9,833.
The peer median, the middle value for comparable institutions (same type and size), is $14,068, and the university’s average net price is $4,235 below it. Published in-state tuition is $12,252, while out-of-state tuition is $22,017.
Aid savings and a lower-than-peer average net price point in the same direction. Federal borrowing at completion is lower than the comparable-school midpoint.
Borrowers who completed have median federal student loan debt of $19,128, and 84.0% of federal aid recipients borrow federal loans. The peer median federal debt for comparable institutions (same type and size) is $21,229, placing the university’s median $2,101 below it.
That debt corresponds to an estimated payment of $217 a month if repaid over ten years. Parent borrowers have median Parent PLUS borrowing of $13,450.
Student loans: what does repayment look like?
At University of Illinois Springfield, borrowing is widespread, but the typical federal debt figure is below that of comparable institutions. Among borrowers who completed, median federal student loan debt is $19,128, excluding Parent PLUS and private loans.
Federal loans are used by 84.0% of federal aid recipients. At comparable institutions (same type and size), the peer median is $21,229; the university's median is $2,101 below it.
For the separate parent-borrower population, median Parent PLUS borrowing is $13,450.
At University of Illinois Springfield, lower-than-peer federal borrowing sits alongside earnings that exceed expectation. Federally aided completers who are working and not enrolled have median earnings of $63,235 four years after completion; that figure is in the 61st percentile among nonprofit four-year institutions.
Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, offers a separate modeled view. Graduates earn about $2,320 more than the model expects for similar students.
This measure is in the 64th percentile among nonprofit four-year institutions. The downside, typical, and upside earnings scenarios put four-year earnings at $47,620, $63,235, and $93,408.
Median federal student loan debt at completion is $19,128, $2,101 below the peer median of $21,229 for comparable institutions (same type and size). That debt corresponds to an estimated payment of $217 a month if repaid over ten years.
Federal borrowing can extend beyond the student loan: Parent PLUS parent borrowers have median borrowing of $13,450. For student borrowers, median federal debt corresponds to an estimated payment of $217 a month if repaid over ten years.
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
- $13,450
- Estimated parent payment
- $171/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $100,000 | Safe |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $19,128
- Institution Parent PLUS debt
- $13,450
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $217/mo
- Estimated Parent PLUS payment · monthly
- $171/mo
- Modeled student + parent payments
- $388/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 $63,235, with a $22,590 annual allowance for basic expenses:
6.4% 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, $22,590, uses the published framework’s 2024 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.