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Cost & financial aid brief

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# University of Mississippi Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

## How much does University of Mississippi cost after financial aid?

The published cost of attendance at University of Mississippi is $28,660 for the standard budget. In-state tuition and fees are $9,772, while out-of-state tuition and fees are $28,600.

Room and board on campus are published at $12,600. After aid, the average recipient at the university pays $13,314 each year.

That figure is $2,320 below the $15,634 median for comparable institutions (same type and size). Financial aid reduces the sticker price by $15,346 on average for those students.

Azimuth ranks the university #310 for affordability among nonprofit four-year institutions.

The cost to aid recipients and the debt of completers frame the affordability picture at University of Mississippi. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is the cost after grants and scholarships.

Azimuth ranks the affordability pillar in the 78th percentile among nonprofit four-year institutions. After grants and scholarships, the average net price for aid recipients is $13,314, $2,320 below the median for comparable institutions (same type and size).

The lowest income band averages $8,945 and the highest averages $21,313. Completers who borrowed hold a median federal debt of $20,000, $76 below the peer median of $20,076.

About 21.7% of undergraduates receive Pell Grants, the population the lowest band reflects. For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $8,945 in the under-$30,000 band, $9,217 for $30,001–$48,000, $14,794 for $48,001–$75,000, $18,573 for $75,001–$110,000, and $21,313 in the over-$110,000 band. The spread between the lowest and highest bands is $12,368.

Average net price by family income

**$0–30K**
$8,945

**$30–48K**
$9,217

**$48–75K**
$14,794

**$75–110K**
$18,573

**$110K+**
$21,313

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$13,314**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 54% of the published cost for the average aid recipient, a reduction of $15,346 against the sticker price. The lower-income bands have lower average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s than the middle and upper-income bands, with costs increasing across the listed income range.

In its 2025-26 Common Data Set, the university reported that for the 2025-26 academic year, first-year students determined to have financial need received an average need-based grant of $13,991. Their average total aid package was $16,802.

On average, those students had 76% of their need met. Of the 2,465 first-year students with need, 394 had their need fully met.

The university also awarded merit aid to 2,111 first-year students, averaging $10,081.

The published cost of attendance at University of Mississippi is $28,660. Azimuth ranks the university #310 for affordability among nonprofit four-year institutions.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients from families earning under $30,000 is $8,945, for those earning $48,001 to $75,000 it is $14,794, and for those earning over $110,000 it is $21,313. The spread between the lowest and highest bands is $12,368.

Aid covers about 54% of the published cost for the average aid recipient. The average net price for first-time, full-time aid recipients is $13,314, which is $2,320 below the peer median of $15,634 for comparable institutions (same type and size).

Borrowers who finish carry a median of $20,000 in federal student loans, $76 below the peer median of $20,076. 86.3% of federal aid recipients borrow federal loans.

Parents who borrow hold a separate median of $29,387 in [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) loans. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $227 a month. It estimates costs and payments for your own situation.

## Student loans: what does repayment look like?

Borrowers who finish at University of Mississippi carry a median of $20,000 in federal student loans, and 86.3% of federal aid recipients take out federal loans. That figure sits $76 below the $20,076 median for comparable institutions (same type and size).

The spread shows how much debt varies. Parent borrowers hold a separate median of $29,387.

In its 2025-26 Common Data Set, the university reported that 43% of graduates borrowed from any source, averaging $32,545 per borrower. Of graduates, 40% held federal loans, averaging $18,675. Of graduates, 11% held private loans, averaging $54,224.

At University of Mississippi, federally aided graduates who are working and not enrolled earn a median of $66,243 four years after completion. Among nonprofit four-year institutions, that median sits at the 69th percentile.

Graduates earn about $6,446 more than the model expects for similar students. The gap sits at the 75th percentile.

Earnings scenarios, estimated from the program mix, range from $46,508 on the downside to $88,671 on the upside. The typical earnings scenario is $66,243.

For borrowers who complete, median federal debt is $20,000. The peer median for comparable institutions (same type and size) is $20,076, leaving the university's median $76 below that mark.

If repaid over ten years, that debt corresponds to an estimated payment of $227 a month.

For the separate population of parent borrowers, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $29,387. For student borrowers, that debt corresponds to an estimated payment of $227 a month if repaid over ten years.

[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**
$29,387

**Estimated parent payment**
$373/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 | 22.0% | High pressure |
| $100,000 | 9.9% | Caution |
| $150,000 | 4.7% | Safe |
| $200,000 | 3.1% | 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-mississippi#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**
$20,000

**Institution Parent PLUS debt**
$29,387

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

**Estimated student payment · monthly**
$227/mo

**Estimated Parent PLUS payment · monthly**
$373/mo

**Modeled student + parent payments**
$600/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 $66,243, with a $23,940 annual allowance for basic expenses:

**6.4%** 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-mississippi#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.