Cost & financial aid brief
University of Maine Tuition, Costs & Financial Aid
How much does University of Maine cost after financial aid?
At University of Maine, aid recipients in lower family-income bands face lower average net prices than those in higher bands. The , what aid recipients pay after grants and scholarships, is $17,510 against a published cost of $27,328, with $9,818 offset on average.
Aid covers about 36% of the published cost for the average aid recipient. From the lowest to highest family-income bands, average net prices are $12,642, $13,280, $14,631, $18,508, and $22,018.
The spread between the lowest and highest bands is $9,376, a difference of band averages. Lower prices at the lower end show that aid is concentrated there rather than spread evenly across family incomes.
At University of Maine, the published cost of attendance is $27,328, and aid recipients see markedly different average net prices by family-income band. The average net price is $12,642 for the lowest-income band, $13,280 for the lower-middle-income band, $14,631 for the middle-income band, $18,508 for the upper-middle-income band, and $22,018 for the highest-income band.
The spread between the lowest and highest bands is $9,376. Azimuth ranks the university #605 for affordability among nonprofit four-year institutions.
Across all aid recipients, the average net price, what aid recipients pay after grants and scholarships, is $17,510. Aid covers about 36% of the published cost for the average aid recipient, an average savings of $9,818 against the sticker price.
The peer median net price, the middle value for comparable institutions (same type and size), is $14,068; the university is above it by $3,442. Aid lowers the published cost, yet the average aided price remains above the comparable-institution median.
Among borrowers who completed, median federal student loan debt is $25,000. The comparable-institution median is $21,229, placing the university above that figure by $3,771, and 92.2% of federal aid recipients borrow federal loans.
That debt corresponds to an estimated payment of $284 a month if repaid over ten years. Median Parent PLUS borrowing is $21,900.
Student loans: what does repayment look like?
Federal borrowing is common at University of Maine: 92.2% of federal aid recipients take federal loans, while borrowers who complete have median federal student loan debt of $25,000 at completion. The median is above the $21,229 peer median at comparable institutions (same type and size), a difference of $3,771.
For the separate population of parent borrowers, median Parent PLUS borrowing is $21,900. In its 2024-25 Common Data Set, the university reported that 64% of graduates borrowed from any source, including 62% with federal loans.
Average cumulative borrowing per borrower was $34,784, and average federal principal among federal borrowers was $21,278.
At University of Maine, earnings exceed expectation, while borrower debt is above the peer benchmark. Among federally aided completers who are working and not enrolled, median earnings are $63,056 four years after completion.
Azimuth places those earnings in the 60th percentile among nonprofit four-year institutions. Graduates earn about $1,061 more than the model expects for similar students.
Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, fall in the 59th percentile among nonprofit four-year institutions. The earnings scenarios range from $45,941 in the downside case to $87,659 in the upside case, with the typical scenario at the same level as the median earnings figure.
Median federal student loan debt at completion is $25,000, above the $21,229 peer median at comparable institutions (same type and size) by $3,771. That debt corresponds to an estimated payment of $284 a month if repaid over ten years. Earnings beat the model, though debt is above peers.
For the separate population of Parent PLUS parent borrowers, median borrowing is $21,900. For student borrowers, that debt corresponds to an estimated payment of $284 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
- $21,900
- Estimated parent payment
- $278/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $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
- $25,000
- Institution Parent PLUS debt
- $21,900
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $284/mo
- Estimated Parent PLUS payment · monthly
- $278/mo
- Modeled student + parent payments
- $562/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 $63,056, with a $22,590 annual allowance for basic expenses:
8.4% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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.