Cost & financial aid brief
University of Maryland-Baltimore County Tuition, Costs & Financial Aid
How much does University of Maryland-Baltimore County cost after financial aid?
Aid covers about 42% of the published cost for the average aid recipient. The sticker-to-net gap is $12,109, though the size of the discount differs by family income.
In its 2025-26 Common Data Set, the university reported that for the 2025-26 academic year, 1,176 first-year students were determined to have financial need. Among those who received aid, the average share of need met was 57%, with an average need-based grant of $13,899 and an average need-based package of $15,582.
Need was fully met for 139 of those students. Separately, 979 first-year students received merit awards averaging $5,566 in the 2025-26 academic year.
The lower-income bands have lower average net prices than the middle and upper-income bands, with costs increasing across the listed income range. The spread between the highest and lowest income-band average net prices describes a pattern of lower average net prices at lower incomes, rather than an individual aid package.
The published cost of attendance at University of Maryland-Baltimore County is $28,576. Azimuth ranks the university #395 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $5,087, for those earning $48,001 to $75,000 it is $16,543, and for those earning over $110,000 it is $25,439. The spread between the lowest and highest bands is $20,352.
Aid covers about 42% of the published cost for the average aid recipient. The average net price across all aid recipients is $16,467, which is $833 above the $15,634 median for comparable institutions (same type and size).
Borrowers who complete a degree carry a median of $19,500 in federal student loans. That is $576 below the $20,076 peer median for comparable institutions.
79.1% of federal aid recipients take federal loans. Parents who borrow hold a separate median of $26,987 in Parent PLUS loans.
The median federal student debt corresponds to an estimated payment of $222 a month if repaid over ten years.
Student loans: what does repayment look like?
Federal-loan borrowers who complete a degree at University of Maryland-Baltimore County carry a median of $19,500 in federal student debt. 79.1% of federal aid recipients take federal loans.
That median is $576 below the $20,076 median for comparable institutions (same type and size). Parents who borrow hold a separate median of $26,987.
In its 2025-26 Common Data Set, the university reported that 34% of graduates borrowed from any source. The average cumulative total per borrower was $22,547.
32% of graduates held federal loans averaging $18,006. 5% held private loans averaging $34,389, including some who also carried federal debt.
Four years after completing a degree, federally aided graduates of University of Maryland-Baltimore County who are working and not enrolled earn a median of $74,396, at the 83rd percentile. That figure is $8,786 above the $65,610 median for comparable institutions (same type and size).
Graduates earn about $3,519 more than expects for similar students. That result sits at the 67th percentile.
Earnings scenarios, estimated from the university's program mix, range from a downside of $50,282 to an upside of $101,297. The median federal debt at completion is $19,500, which corresponds to an estimated payment of $222 a month if repaid over ten years. That debt is $576 below the median for comparable institutions.
For the separate population of parent borrowers, median Parent PLUS borrowing is $26,987. For student borrowers, that debt corresponds to an estimated payment of $222 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
- $26,987
- Estimated parent payment
- $343/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
- $19,500
- Institution Parent PLUS debt
- $26,987
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $222/mo
- Estimated Parent PLUS payment · monthly
- $343/mo
- Modeled student + parent payments
- $565/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 $74,396, with a $22,590 annual allowance for basic expenses:
5.1% 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.