Cost & financial aid brief
University of Massachusetts-Dartmouth Tuition, Costs & Financial Aid
How much does University of Massachusetts-Dartmouth cost after financial aid?
In its 2024-25 Common Data Set, University of Massachusetts-Dartmouth reported that first-year recipients with need had an average 80% of need met in the 2024-25 academic year. Their average need-based grant was $14,061, and their average package was $20,507.
Of 1,037 first-year students determined to have need, 228 had need fully met. For the 2024-25 academic year, merit aid reached 293 first-year students and averaged $5,785.
Against a published cost of $33,485, aid recipients had an average net price, what they pay after grants and scholarships, of $20,927, leaving $12,558 off the sticker. Aid covers about 38% of the published cost for the average aid recipient.
Across income bands, averages are $15,976, $16,042, $17,530, $22,273, and $28,147, with lower average prices in the lower-income bands.
Family income shapes the price families face at University of Massachusetts-Dartmouth. The published cost of attendance is $33,485.
Average net price, what aid recipients pay after grants and scholarships, is $15,976 for the lowest family-income band, $16,042 for the lower-middle band, $17,530 for the middle band, $22,273 for the upper-middle band, and $28,147 for the highest band. The spread between the lowest and highest bands is $12,171.
Azimuth ranks the university #781 for affordability among nonprofit four-year institutions. Aid offsets part of the published cost, though the overall price remains higher than the peer benchmark.
For the average aid recipient, aid covers about 38% of the published cost, offsetting $12,558 against the sticker price. Across all aid recipients, the average net price is $20,927.
The peer median, the middle value for comparable institutions (same type and size), is $14,068, with the university’s average net price $6,859 above that figure. Aid reduces the listed cost, but the average price still sits above the comparable-institution median.
Federal borrowing is common among undergraduates here, and typical borrower debt is above the comparable-institution figure. 93.0% of federal aid recipients take federal loans.
Among borrowers who completed, median federal student loan debt is $25,000. The peer median federal debt for comparable institutions (same type and size) is $21,229, and the university’s median is $3,771 above it.
Median Parent PLUS borrowing among parent borrowers is $22,757. The median federal debt corresponds to an estimated payment of $284 a month if repaid over ten years.
Student loans: what does repayment look like?
Debt at completion centers on $25,000 in median federal student loan debt for borrowers who completed. The peer median for comparable institutions (same type and size) is $21,229, placing the university's median $3,771 above it.
For the separate parent-borrower population, median Parent PLUS borrowing is $22,757. In its 2024-25 Common Data Set, the university reported that 78% of graduates borrowed from any source, with an average cumulative amount of $33,520 per borrower.
The reporting includes federal loans held by 78% of graduates, averaging $25,699. Private loans were held by 18% of graduates, averaging $30,757.
University of Massachusetts-Dartmouth pairs earnings that sit above its peer benchmark with debt that also sits above peers. Federally aided completers who are working and not enrolled have median earnings of $69,251 four years after completion; Azimuth places that figure in the 75th percentile among nonprofit four-year institutions.
Graduates earn about $10,508 more than expects for similar students. Azimuth places earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, in the 84th percentile among nonprofit four-year institutions.
Earnings scenarios range from $49,125 in a downside case to $90,168 in an upside case, with $69,251 as the typical scenario. Median federal debt of $25,000 is 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. sit alongside higher peer-relative borrowing.
For the separate population of parent borrowers, median Parent PLUS borrowing is $22,757. 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
- $22,757
- Estimated parent payment
- $289/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
- $22,757
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $284/mo
- Estimated Parent PLUS payment · monthly
- $289/mo
- Modeled student + parent payments
- $573/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 $69,251, with a $22,590 annual allowance for basic expenses:
7.3% 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.