Cost & financial aid brief
University of Utah Tuition, Costs & Financial Aid
How much does University of Utah cost after financial aid?
Aid covers about 37% of the published cost for the average aid recipient, a discount of $9,357 against the sticker price. The pattern across income bands is relatively flat.
Average net prices range from $13,123 in the lowest band to $21,533 in the highest, a spread of $8,410. The middle bands sit close to the bottom, with families earning $30,001–$48,000 averaging $13,424 and those earning $48,001–$75,000 averaging $14,246.
In its 2025-26 Common Data Set, the university reported that for the 2025-26 academic year, first-year students determined to have need received an average need-based grant of $10,870. Their average total package was $14,012, and the average share of need met for those aided students was 45%. Of the 2,334 first-year students with need, 284 had their need fully met.
The published cost of attendance is $25,557. Azimuth ranks University of Utah #318 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $13,123, for those earning $48,001 to $75,000 it is $14,246, and for those earning over $110,000 it is $21,533. The spread between the lowest and highest bands is $8,410.
Aid covers about 37% of the published cost for the average aid recipient. The average net price across all aid recipients is $16,200, which is $566 above the $15,634 median for comparable institutions (same type and size).
Borrowers who finish carry a median of $19,000 in federal student loans, $1,076 below the $20,076 peer median (the median for comparable institutions). 74.9% of federal aid recipients take federal loans.
Parents who borrow hold a separate median of $18,886 in Parent PLUS loans. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $216 a month.
Student loans: what does repayment look like?
Among borrowers who complete a degree, median federal student loan debt is $19,000. 74.9% of federal aid recipients borrow federal loans.
That median is $1,076 below the $20,076 median for comparable institutions (same type and size). Parent borrowers are a separate population, with median Parent PLUS borrowing of $18,886.
In its 2025-26 Common Data Set, the university reported an average cumulative debt of $24,197 per borrower from any source, across 3,665 bachelor's graduates. The federal portion averaged $17,234 per federal borrower. No graduates in that cohort held private loans.
Four years after completion, University of Utah graduates earn a median of $75,345, at the 84th percentile. That is $9,735 above the $65,610 median for comparable institutions (same type and size).
Graduates earn about $14,189 more than expects for similar students. That result sits at the 90th percentile.
Earnings scenarios, estimated from the program mix, range from $51,161 on the downside to $104,485 on the upside, with a typical scenario of $75,345. Borrowers who finish carry a median of $19,000 in federal loans, $1,076 below the median for comparable institutions.
If repaid over ten years, that debt corresponds to an estimated payment of $216 a month.
For the separate population of parent borrowers, median Parent PLUS borrowing is $18,886. For student borrowers, the median federal debt corresponds to an estimated payment of $216 a month if repaid over ten years.
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
- $18,886
- Estimated parent payment
- $240/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $19,000
- Institution Parent PLUS debt
- $18,886
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $216/mo
- Estimated Parent PLUS payment · monthly
- $240/mo
- Modeled student + parent payments
- $456/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 $75,345, with a $22,590 annual allowance for basic expenses:
4.9% 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, $22,590, uses the published framework’s 2024 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.