Cost & financial aid brief
University of Toledo Tuition, Costs & Financial Aid
How much does University of Toledo cost after financial aid?
The University of Toledo's published cost of attendance is $26,512, but the average net price—what aid recipients pay after grants and scholarships—is $17,249, an aid offset of $9,263. In its 2025-26 Common Data Set, the university reported in-state tuition of $11,238 and required fees of $1,662 for the 2026-27 academic year.
On-campus food and housing was $16,861, and out-of-state tuition was $20,598. Aid covers about 35% of the published cost for the average aid recipient, and the pricing pattern across income bands shows the largest discounts flowing to the lowest-income families.
The average net price starts at $13,524 for families earning under $30,000, moves to $13,365 for the $30,001–$48,000 band, $16,407 for $48,001–$75,000, $19,659 for $75,001–$110,000, and reaches $22,053 for families earning over $110,000. The spread between the lowest and highest bands is $8,529, a difference of averages that reflects aid concentrated on families with lower incomes.
The University of Toledo publishes a cost of attendance of $26,512, and the average net price—what aid recipients pay after grants and scholarships—is $17,249. For families earning under $30,000, the average net price is $13,524; for those in the $48,001–$75,000 band, it is $16,407; and for families earning over $110,000, it is $22,053.
The spread between the lowest and highest bands is $8,529. Azimuth ranks the university #480 for affordability among nonprofit four-year institutions.
Aid covers about 35% of the published cost for the average aid recipient, an average offset of $9,263. The average net price sits above the peer median of $14,068 for comparable institutions (same type and size), a gap of $3,181.
86.0% of federal aid recipients borrow federal loans, and the median federal student debt at completion is $22,250. That figure is above the peer median of $21,229 for comparable institutions, by $1,021.
For a graduate at the median four-year earnings, that debt corresponds to an estimated payment of $253 a month if repaid over ten years. Parents who take out Parent PLUS loans borrow a median of $19,243.
Student loans: what does repayment look like?
Federal borrowing reaches 86.0% of federal aid recipients at University of Toledo, and borrowers who complete have median federal student loan debt of $22,250. That median is above the $21,229 peer median at comparable institutions (same type and size), a difference of $1,021.
Parent borrowers are a separate population, with median Parent PLUS debt of $19,243. In its 2025-26 Common Data Set, the university reported that 53% of graduates borrowed from any source, with average cumulative debt of $25,588 per borrower.
Of those graduates, 52% had federal loans averaging $19,917. Of those graduates, 11% had private loans averaging $29,534.
The investment picture at University of Toledo pairs earnings that beat expectation with borrowing that runs close to the peer median. Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $66,084, at the 68th percentile.
Graduates earn about $7,810 more than the model expects for similar students, an outcome at the 78th percentile nationally. Earnings scenarios, estimated from the university's program mix, range from $44,098 in a downside case to $88,045 in an upside case, with $66,084 as the typical scenario.
On the borrowing side, the median federal student debt at completion is $22,250, $1,021 above the $21,229 peer median. That debt corresponds to an estimated payment of $253 a month if repaid over ten years.
Median Parent PLUS borrowing, a separate parent-borrower population, is $19,243. The estimated monthly student payment if repaid over ten years is $253.
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
- $19,243
- Estimated parent payment
- $244/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 | 14.4% | High pressure |
| $100,000 | 6.5% | Caution |
| $150,000 | 3.1% | Safe |
| $200,000 | 2.0% | 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
- $22,250
- Institution Parent PLUS debt
- $19,243
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $253/mo
- Estimated Parent PLUS payment · monthly
- $244/mo
- Modeled student + parent payments
- $497/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 $66,084, with a $23,940 annual allowance for basic expenses:
7.2% 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.