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Cost & financial aid brief

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# University of Maryland-College Park Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does UMD cost after financial aid?

Federally reported sticker costs at University of Maryland-College Park reach $29,299. In its 2025-26 Common Data Set, the university reported the sticker charges for the 2026-27 academic year.

In-state tuition is $10,490, required fees are $1,800, and on-campus food and housing are $16,747. The out-of-state rate is $40,253.

Program-based differential pricing applies to 23.8% of full-time undergraduates, who pay more than the base charge. For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $15,678, which is $13,621 below the published cost of attendance.

Relative to comparable institutions (same type and size), the average net price is above the peer median of $15,634 by $44. That places the affordability pillar in the 72nd percentile among nonprofit four-year institutions.

At University of Maryland-College Park, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $15,678, $44 above the median for comparable institutions (same type and size). The median borrower who finishes holds $19,000 in federal student loans, $1,076 below the peer median of $20,076.

By income band, families earning under $30,000 average $2,962, and those earning over $110,000 average $26,691. Azimuth places the university's affordability pillar in the 72nd percentile among nonprofit four-year institutions.

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 $2,962; for $30,001–$48,000 it is $6,051; for $48,001–$75,000 it is $10,273; for $75,001–$110,000 it is $18,250; and for families earning over $110,000 it is $26,691.

Pell Grant recipients make up 19.4% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $23,729.

Average net price by family income

**$0–30K**
$2,962

**$30–48K**
$6,051

**$48–75K**
$10,273

**$75–110K**
$18,250

**$110K+**
$26,691

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$15,678**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

On average, aid removes about 46% of the sticker price for recipients, leaving the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) at $15,678, $13,621 below the published cost. Average net prices range from $2,962 for families earning under $30,000 to $26,691 for those earning over $110,000, with intermediate bands at $6,051, $10,273, and $18,250.

The distance between the lowest and highest band averages is $23,729. That difference indicates pricing is scaled to income, with the smallest net prices in the lowest band.

The published cost of attendance at the University of Maryland-College Park is $29,299. For families earning under $30,000, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $2,962.

For families in the $48,001–$75,000 band, the average net price is $10,273, and for families earning over $110,000, it is $26,691. The spread between the lowest and highest bands is $23,729.

Azimuth ranks the university #402 for affordability among nonprofit four-year institutions. Aid covers about 46% of the published cost for the average aid recipient, an offset of $13,621.

The average net price across all aid recipients is $15,678, which is above the median of $15,634 for comparable institutions (same type and size) by $44. The median federal student loan debt at completion is $19,000.

About 80.2% of federal aid recipients borrow federal loans. That median is below the peer median of $20,076 by $1,076.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing stands at $35,200. If repaid over ten years, the estimated monthly payment for the median federal debt is $216.

## Student loans: what does repayment look like?

80.2% of federal aid recipients take federal loans. Borrowers who finish carry a median of $19,000 in federal student debt.

That median is $1,076 below the $20,076 median for comparable institutions (same type and size). If repaid over ten years, that debt corresponds to an estimated payment of $216 a month.

Parents who borrow hold a separate median of $35,200. In its 2025-26 Common Data Set, the university reported that 31% of graduates borrowed, averaging $31,672 per borrower.

Of those graduates, 29% held federal loans averaging $17,451. Private loans averaged $57,898 among 8% of graduates.

Earnings scenarios four years after completion at University of Maryland-College Park span $60,514 on the downside and $123,659 on the upside, with $84,365 as the typical outcome. Graduates working and not enrolled earn a median of $84,365 four years after completion, placing the university in the 92nd percentile among nonprofit four-year institutions.

Graduates earn about $2,584 more than the model expects for similar students, placing that outcome in the 65th percentile among nonprofit four-year institutions. Borrowers who complete carry a median federal debt of $19,000, a level that is below the $20,076 median for comparable institutions (same type and size) by $1,076. The estimated monthly payment if repaid over ten years is $216.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $35,200. The estimated monthly student payment if repaid over ten years is $216.

[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**
$35,200

**Estimated parent payment**
$447/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 | 26.4% | High pressure |
| $100,000 | 11.8% | High pressure |
| $150,000 | 5.6% | Safe |
| $200,000 | 3.7% | 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-maryland-college-park#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**
$19,000

**Institution Parent PLUS debt**
$35,200

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

**Estimated student payment · monthly**
$216/mo

**Estimated Parent PLUS payment · monthly**
$447/mo

**Modeled student + parent payments**
$663/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 $84,365, with a $23,940 annual allowance for basic expenses:

**4.3%** 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-maryland-college-park#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.