Cost & financial aid brief
University of Minnesota-Duluth Tuition, Costs & Financial Aid
How much does University of Minnesota-Duluth cost after financial aid?
Aid reduces the published cost for the average recipient by $8,937, covering about 32% of the sticker price. That is an average, not a guarantee for any particular family.
The pattern across income bands shows lower average net prices at lower incomes. The lowest band, for families earning under $30,000, averages $7,256.
The highest band, over $110,000, averages $24,453, a spread of $17,197 between the two ends. In between, families earning $30,001–$48,000 average $8,145, those at $48,001–$75,000 average $11,965, and those at $75,001–$110,000 average $17,056.
The published cost of attendance at the University of Minnesota-Duluth is $27,680, with in-state tuition and fees of $14,610 and room and board at $11,110. For families earning under $30,000, the average net price—what aid recipients pay after grants and scholarships—is $7,256.
For families in the $48,001–$75,000 band, it is $11,965, and for families earning over $110,000, it is $24,453. The spread between the lowest and highest bands is $17,197.
Azimuth ranks the university #547 for affordability among nonprofit four-year institutions. Aid covers about 32% of the published cost for the average aid recipient, a savings of $8,937 against the sticker price.
The average net price across all aid recipients is $18,743, which sits above the peer median of $14,068 for comparable institutions (same type and size) by $4,675. Out-of-state students face a higher tuition of $20,130, though the net price figures here are on an in-state basis.
Median federal student debt at completion is $22,024. That debt is above the peer median of $21,229 by $795, and 92.4% of federal aid recipients borrow federal loans.
Median Parent PLUS borrowing is $22,127. If repaid over ten years, the median federal debt corresponds to an estimated payment of $250 a month.
Student loans: what does repayment look like?
Most undergraduates at University of Minnesota-Duluth take federal loans—92.4%—and those who complete a degree leave with a median federal student debt of $22,024. That median sits above the peer median of $21,229 for comparable institutions (same type and size) by $795, a narrow gap.
Parent borrowers, a separate population, carry a median Parent PLUS loan of $22,127.
Four years after completion, graduates of University of Minnesota-Duluth earn a median of $66,056, in the 68th percentile nationally. That figure sits above the peer median of $57,301 for comparable institutions (same type and size) by $8,755.
Graduates earn about $381 more than expects for similar students, effectively at the expected level, an outcome in the 56th percentile. Earnings scenarios, derived from the university's program mix, show a typical earnings level of $66,056, with a downside scenario of $49,316 and an upside scenario of $83,822.
Borrowers finish with a median federal debt of $22,024, which is above the peer median of $21,229 by $795. That debt corresponds to an estimated payment of $250 a month if repaid over ten years.
Median Parent PLUS borrowing, a separate parent-borrower population, is $22,127. The estimated monthly student payment if repaid over ten years is $250.
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
- $22,127
- Estimated parent payment
- $281/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 16.6% | High pressure |
| $100,000 | 7.4% | Caution |
| $150,000 | 3.5% | Safe |
| $200,000 | 2.3% | 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. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $22,024
- Institution Parent PLUS debt
- $22,127
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $250/mo
- Estimated Parent PLUS payment · monthly
- $281/mo
- Modeled student + parent payments
- $531/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 $66,056, with a $23,940 annual allowance for basic expenses:
7.1% 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, $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.
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.