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Cost & financial aid brief

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# University of Toledo Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

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

The University of Toledo publishes a cost of attendance of $26,512, but the average aid recipient pays considerably less. 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, with on-campus food and housing at $16,861.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $17,249, which is $3,181 above the $14,068 median for comparable institutions (same type and size). Financial aid reduces the published cost by $9,263 on average.

Azimuth ranks the university #480 for affordability among nonprofit four-year institutions.

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients at University of Toledo is $17,249, which is $3,181 above the median for comparable institutions (same type and size) of $14,068. Azimuth ranks the affordability pillar in the 66th percentile among nonprofit four-year institutions.

Borrowers who complete leave with a median of $22,250 in federal student loans, $1,021 above the peer median of $21,229. The lowest income band averages $13,524 after grants and scholarships, and the highest averages $22,053.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s—what aid recipients pay after grants and scholarships—are nearly flat across the two lowest family-income bands at the University of Toledo before rising. For families earning under $30,000 the average net price is $13,524; for $30,001–$48,000 it is $13,365; for $48,001–$75,000 it is $16,407; for $75,001–$110,000 it is $19,659; and for families earning over $110,000 it is $22,053.

Pell Grant recipients make up 27.5% of undergraduates, so the lowest band reflects a sizable group. The spread between the lowest and highest bands is $8,529.

Average net price by family income

**$0–30K**
$13,524

**$30–48K**
$13,365

**$48–75K**
$16,407

**$75–110K**
$19,659

**$110K+**
$22,053

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$17,249**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

The University of Toledo's published cost of attendance is $26,512, but the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model's 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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $19,243. The estimated monthly student payment if repaid over ten years is $253.

[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**
$19,243

**Estimated parent payment**
$244/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 | 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](/financial-gps/?tool=parent&school=university-of-toledo#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**
$22,250

**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

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-toledo#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.