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Cost & financial aid brief

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# University of Minnesota-Duluth Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does University of Minnesota-Duluth cost after financial aid?

The published cost of attendance at University of Minnesota-Duluth is $27,680. For Minnesota residents, tuition and fees are $14,610; for non-residents, $20,130.

Room and board add $11,110. After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) — what aid recipients actually pay — is $18,743.

That is $4,675 above the $14,068 median at comparable institutions (same type and size). Azimuth ranks the university #547 for affordability among nonprofit four-year institutions. Financial aid reduces the published cost by $8,937 on average.

Azimuth places University of Minnesota-Duluth at the 61st percentile for affordability among nonprofit four-year institutions. First-time, full-time aid recipients pay an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $18,743, which is $4,675 above the $14,068 median for comparable institutions (same type and size).

By income band, the lowest-income families average $7,256 and the highest-income average $24,453, a spread of $17,197 between the two ends. Borrowers who complete leave with a median of $22,024 in federal loans, $795 above the peer median of $21,229.

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 $7,256; for $30,001–$48,000 it is $8,145; for $48,001–$75,000 it is $11,965; for $75,001–$110,000 it is $17,056; and for families earning over $110,000 it is $24,453.

Pell Grant recipients make up 18.8% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $17,197.

Average net price by family income

**$0–30K**
$7,256

**$30–48K**
$8,145

**$48–75K**
$11,965

**$75–110K**
$17,056

**$110K+**
$24,453

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$18,743**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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 price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $22,127. The estimated monthly student payment if repaid over ten years is $250.

[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**
$22,127

**Estimated parent payment**
$281/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 | 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](/financial-gps/?tool=parent&school=university-of-minnesota-duluth#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**
$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

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-minnesota-duluth#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.