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Cost & financial aid brief

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# University of Vermont Tuition, Costs & Financial Aid

Updated October 21, 2026

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

**On this page**+

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

In its 2025-26 Common Data Set, University of Vermont reported sticker charges for the 2026-27 academic year of $16,606 in-state tuition, $44,646 out-of-state tuition, and $2,908 in required fees. The federal published cost of attendance is $35,649, setting the overall sticker total before aid.

For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $19,343. Financial aid reduces that published total by $16,306 on average.

That average net price is $3,709 above the peer median of $15,634 at comparable institutions (same type and size). Azimuth places the affordability pillar in the 48th percentile among nonprofit four-year institutions.

The above-peer price and middle-of-coverage affordability standing give a mixed cost picture.

The affordability pillar sits near the middle, at the 48th percentile among nonprofit four-year institutions. At University of Vermont, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $19,343, which is $3,709 above the $15,634 median for comparable institutions (same type and size).

Average net prices by income band show a spread of $14,648 between the two ends. Aid recipients from families earning under $30,000 pay an average of $11,127, while those from families earning over $110,000 pay $25,775.

Borrowers who complete a degree carry a median of $20,951 in federal student loans, $875 above the peer median of $20,076.

Prices change markedly across family-income bands. The lowest band has an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $11,127; the next band, $13,373; the middle band, $14,339; the next-highest band, $20,926; and the highest band, $25,775.

Pell Grant recipients account for 13.2% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $14,648.

Average net price by family income

**$0–30K**
$11,127

**$30–48K**
$13,373

**$48–75K**
$14,339

**$75–110K**
$20,926

**$110K+**
$25,775

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$19,343**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 46% of the published cost for the average aid recipient, so the sticker-to-net gap is substantial. The published cost of attendance is $35,649, compared with an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $19,343 and an average aid offset of $16,306.

Across the income bands, average net price is $11,127 in the lowest band, $13,373 in the next band, $14,339 in the middle band, $20,926 in the next-highest band, and $25,775 in the highest band. The $14,648 spread between the endpoints shows that aid is more concentrated in the lower-income bands than pricing is uniform across families.

At University of Vermont, the published cost of attendance is $35,649, and aid recipients’ average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, varies across family-income bands. It is $11,127 for families in the lowest income band, $13,373 for the next band, $14,339 for the middle band, $20,926 for the next-highest band, and $25,775 for families in the highest income band.

The spread between the lowest and highest bands is $14,648. Azimuth ranks the university #734 for affordability among nonprofit four-year institutions.

For the average aid recipient, aid covers about 46% of the published cost and offsets $16,306. Across all aid recipients, the average net price is $19,343.

The peer median, the middle value for comparable institutions (same type and size), is $15,634, placing the university’s average $3,709 above that benchmark. The higher average price and the peer comparison point in the same direction.

Among borrowers who completed, median federal student loan debt is $20,951, and 93.4% of federal aid recipients borrow federal loans. That debt is $875 above the $20,076 peer median for comparable institutions (same type and size).

That debt corresponds to an estimated payment of $238 a month if repaid over ten years. [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowers have median borrowing of $48,000.

## Student loans: what does repayment look like?

Borrowing is widespread at University of Vermont: 93.4% of federal aid recipients take federal loans, and borrowers who complete have median federal student loan debt of $20,951. Comparable institutions (same type and size) have a peer median of $20,076, placing the university $875 above that benchmark.

[Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowers are separate; their median borrowing is $48,000. In its 2025-26 Common Data Set, the university reported 54% of graduates borrowed from any source, averaging $34,870 cumulatively.

It reported 52% of graduates with federal loans, including graduates who may also have private loans. The average cumulative federal amount was $18,804 per federal borrower. Private borrowers averaged $51,165 cumulatively.

Graduates of University of Vermont earn about $16,558 less than the model expects for similar students, a gap in the 7th percentile among nonprofit four-year institutions. Among federally aided completers who are working and not enrolled, the median four years after finishing is $62,009.

That figure sits $3,601 below the peer median of $65,610 for comparable institutions (same type and size). That earnings level falls in the 57th percentile among nonprofit four-year institutions.

Earnings scenarios estimated from the program mix range from $45,366 on the downside to $82,603 on the upside, with $62,009 as the typical outcome. Borrowers who finish hold a median of $20,951 in federal loans, $875 above the peer median of $20,076 for comparable institutions (same type and size).

If repaid over ten years, that debt corresponds to an estimated payment of $238 a month. Earnings fall short of the peer median and the model's expectation, while debt sits above the peer median.

Parent borrowing is a separate part of the family cost picture. For [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) parent borrowers, median borrowing is $48,000.

The median federal student loan debt corresponds to an estimated payment of $238 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**
$48,000

**Estimated parent payment**
$610/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 | 35.9% | High pressure |
| $100,000 | 16.1% | High pressure |
| $150,000 | 7.7% | Caution |
| $200,000 | 5.0% | 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-vermont#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**
$20,951

**Institution Parent PLUS debt**
$48,000

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

**Estimated student payment · monthly**
$238/mo

**Estimated Parent PLUS payment · monthly**
$610/mo

**Modeled student + parent payments**
$848/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 $62,009, with a $23,940 annual allowance for basic expenses:

**7.5%** 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-vermont#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.