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Cost & financial aid brief

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# University of Wisconsin-Stevens Point Tuition, Costs & Financial Aid

Updated October 1, 2026

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

**On this page**+

## How much does University of Wisconsin-Stevens Point cost after financial aid?

For University of Wisconsin-Stevens Point, aid lowers the published annual cost for recipients, but its average price remains somewhat higher than at comparable schools. The published cost of attendance is $20,079, with room and board listed at $8,800.

In-state tuition and fees are $9,488, compared with $18,508 for out-of-state tuition and fees. 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 $14,559.

Financial aid saves $5,520 against the sticker cost on average, and aid covers about 27% of the published cost for the average aid recipient. The peer median net price at comparable institutions (same type and size) is $14,068, leaving this average $491 above that benchmark.

Azimuth places the university in the 78th percentile for affordability among nonprofit four-year institutions. Aid reduces the published charge substantially, though the peer comparison points to a somewhat higher average net price.

Costs for aid recipients are slightly higher than the comparable-school benchmark, though the affordability standing remains favorable. At University of Wisconsin-Stevens Point, average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $14,559.

That is above the peer median of $14,068 by $491 at comparable institutions (same type and size). The average is $8,833 for the lowest family-income band and $18,737 for the highest.

Among federal-loan borrowers who completed, median federal student loan debt is $21,503, above the comparable-institution median of $21,229 by $274. Azimuth places the university's affordability pillar in the 78th percentile among nonprofit four-year institutions.

Higher-than-peer price and debt figures sit alongside a comparatively strong affordability placement.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s differ substantially by family income, with lower reported income bands facing lower average prices. For aid recipients in the lowest band, the average net price is $8,833; in the next band it is $9,609; in the middle band, $11,428; in the next-highest band, $17,042; and in the highest band, $18,737.

Pell Grant recipients make up 28.7% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $9,904.

Average net price by family income

**$0–30K**
$8,833

**$30–48K**
$9,609

**$48–75K**
$11,428

**$75–110K**
$17,042

**$110K+**
$18,737

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$14,559**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 27% of the published cost for the average aid recipient at University of Wisconsin-Stevens Point. For families earning under $30,000, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $8,833.

It is $9,609 in the $30,001–$48,000 band, $11,428 in the $48,001–$75,000 band, $17,042 in the $75,001–$110,000 band, and $18,737 for those earning over $110,000. The spread between the lowest and highest bands is $9,904.

The average net price is lower at lower incomes and higher at higher incomes. The largest step occurs between the middle and upper-middle bands.

28.7% of undergraduates receive Pell Grants, so the lowest-band figure applies to a substantial portion of the student body.

Costs at University of Wisconsin-Stevens Point vary considerably across family-income bands after grants and scholarships. The published cost of attendance is $20,079.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $8,833 for the lowest family-income band, $9,609 for the next band, $11,428 for the middle band, $17,042 for the upper-middle band, and $18,737 for the highest family-income band. The spread between the lowest and highest bands is $9,904.

Azimuth ranks the university #311 for affordability among nonprofit four-year institutions. Across aid recipients, the average net price is $14,559, and aid covers about 27% of the published cost for the average aid recipient, offsetting $5,520 against the sticker price.

That average is $491 above the peer median net price of $14,068 for comparable institutions (same type and size). In-state tuition and fees are $9,488, out-of-state tuition and fees are $18,508, and room and board are $8,800.

The overall price sits somewhat above the comparable-school median despite aid reducing the published cost for recipients. Federal borrowing is common among undergraduates, with 91.0% taking federal loans.

For borrowers who completed, median federal student loan debt at completion is $21,503, which is $274 above the peer median of $21,229 at comparable institutions (same type and size). Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $14,012.

The median federal student debt corresponds to an estimated payment of $244 a month if repaid over ten years.

## Student loans: what does repayment look like?

Federal borrowing is common at University of Wisconsin-Stevens Point, where 91.0% of federal aid recipients take federal loans. For borrowers who completed, median federal student loan debt is $21,503.

The median is above the $21,229 peer median at comparable institutions (same type and size) by $274. [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowers are a separate parent-borrower population, with median borrowing of $14,012.

At University of Wisconsin-Stevens Point, the available earnings and borrowing figures point in the same direction for the investment picture. Federally aided completers who are working and not enrolled have median earnings of $51,548 four years after completion.

Azimuth places those earnings in the 22nd percentile among nonprofit four-year institutions. Graduates earn about $9,432 less than the model expects for similar students.

Azimuth places [earnings beyond expectations](/analysis/a-value-added-approach-to-college-outcomes/) in the 21st percentile among nonprofit four-year institutions. Earnings scenarios range from $43,188 in a downside scenario to $69,666 in an upside scenario, with $51,548 in the typical scenario.

Median federal student debt at completion is $21,503, above the $21,229 peer median, the middle value for comparable institutions (same type and size), by $274. That debt corresponds to an estimated payment of $244 a month if repaid over ten years. Earnings below expectations and debt above the peer median point the same way.

For the separate parent-borrower population, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $14,012. For student borrowers, the median federal debt corresponds to an estimated payment of $244 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**
$14,012

**Estimated parent payment**
$178/mo

Modeled Parent PLUS pressure by income

| Income | Risk level |
| --- | --- |
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $100,000 | Safe |
| $150,000 | Safe |
| $200,000 | Safe |

The model holds the parent balance fixed and varies parent income. [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**
$21,503

**Institution Parent PLUS debt**
$14,012

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

**Estimated student payment · monthly**
$244/mo

**Estimated Parent PLUS payment · monthly**
$178/mo

**Modeled student + parent payments**
$422/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 $51,548, with a $22,590 annual allowance for basic expenses:

**10.1%** of income above the allowance · Good

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
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, $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.

[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-wisconsin-stevens-point#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.