Cost & financial aid brief

Winona State University Tuition, Costs & Financial Aid

Updated

How much does Winona State University cost after financial aid?

At Winona State University, aid recipients face an average net price of $17,503, what aid recipients pay after grants and scholarships. The published cost of attendance is $23,683, with in-state tuition and fees of $10,576 and room and board of $9,654.

Out-of-state tuition and fees are $17,308. Financial aid reduces the published cost by $6,180 on average for aid recipients.

Comparable institutions (same type and size) have a peer median net price of $14,068, and Winona State’s average is $3,435 above that figure. Azimuth places the university in the 67th percentile for affordability among nonprofit four-year institutions.

The above-peer net price and solid affordability standing point in different directions.

Azimuth places the affordability for Winona State University in the 67th percentile among nonprofit four-year institutions. The average net price is $17,503, $3,435 above the $14,068 median for comparable institutions (same type and size).

Borrowers who finish carry a median of $21,500 in federal loans, $271 above the peer median of $21,229 for comparable institutions (same type and size). The lowest income band averages $10,224 and the highest averages $21,307.

Prices after grants and scholarships vary widely by family income: the average net price is $10,224 for families earning under thirty thousand dollars, $11,792 for families earning thirty thousand one dollars to forty-eight thousand dollars, $13,814 for families earning forty-eight thousand one dollars to seventy-five thousand dollars, $17,871 for families earning seventy-five thousand one dollars to one hundred ten thousand dollars, and $21,307 for families earning over one hundred ten thousand dollars. Pell Grants go to 24.2% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $11,083.

Average net price by family income
$0–30K
$10,224
$30–48K
$11,792
$48–75K
$13,814
$75–110K
$17,871
$110K+
$21,307

Averages within each income band; individual aid packages vary.

Overall average annual net price: $17,503. After grants and scholarships, including living costs. Source and coverage.

The average aid recipient pays $17,503 rather than the published $23,683, a sticker-to-net difference of $6,180. Aid covers about 26% of the published cost for the average aid recipient.

That average describes aid recipients as a group, not any family’s award. Average net prices are lower in the lower-income bands and increase through the upper-income bands.

This pattern shows that the average discount is larger at lower family incomes, though individual packages vary. The sticker-to-net gap and the income pattern both show why the published charge alone does not describe what aided families pay.

The published cost of attendance at Winona State University is $23,683. After grants and scholarships, the average net price—what aid recipients pay—is $10,224 for families earning under $30,000, $11,792 for the $30,001–$48,000 band, $13,814 for the $48,001–$75,000 band, $17,871 for the $75,001–$110,000 band, and $21,307 for families earning over $110,000.

The spread between the lowest and highest bands is $11,083. Azimuth ranks the university #464 for affordability among nonprofit four-year institutions.

For the average aid recipient, grants and scholarships cover about 26% of the published cost, an average savings of $6,180, resulting in an overall of $17,503. This figure is $3,435 above the $14,068 median for comparable institutions (same type and size).

In-state tuition and fees are $10,576, while out-of-state students pay $17,308. About 91.7% of federal aid recipients take federal loans.

Borrowers who complete a degree leave with a median of $21,500 in federal student loans, which is $271 above the peer median of $21,229. That debt corresponds to an estimated payment of $244 a month if repaid over ten years.

Parents who borrow through the separate Parent PLUS program hold a median of $19,316.

Student loans: what does repayment look like?

Federal loans reach 91.7% of federal aid recipients at Winona State University, making borrowing a common part of the cost picture. Among borrowers who completed, median federal student loan debt is $21,500.

At comparable institutions (same type and size), the peer median is $21,229; the university's median is $271 above it. Parent PLUS borrowers are a separate parent-borrower population, with median borrowing of $19,316.

Student debt sits only slightly above comparable peers, but federal borrowing reaches most undergraduates.

At Winona State University, mobility stands out more than return, and the investment picture is mixed. Median earnings are $60,533 four years after completion, placing the university in the 53rd percentile among nonprofit four-year institutions.

Graduates earn about $3,827 less than expects for similar students. Azimuth places this measure in the 40th percentile nationally.

Earnings scenarios put earnings at $47,990 in a downside case, $60,533 in a typical case, and $81,292 in an upside case. Median federal debt is $21,500, compared with a peer median of $21,229 at comparable institutions (same type and size), and is $271 above it.

That debt corresponds to an estimated payment of $244 a month if repaid over ten years. The return picture is mixed: modeled earnings fall short of expectations while debt sits above comparable peers.

Parent borrowers have median Parent PLUS borrowing of $19,316, a separate population from student federal-loan borrowers. For student borrowers, that debt corresponds to an estimated payment of $244 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
$19,316
Estimated parent payment
$245/mo
Modeled Parent PLUS pressure by income
IncomeRisk level
$35,000High pressure
$50,000High pressure
$75,000High pressure
$100,000Caution
$150,000Safe
$200,000Safe

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
$21,500
Institution Parent PLUS debt
$19,316

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

Estimated student payment · monthly
$244/mo
Estimated Parent PLUS payment · monthly
$245/mo
Modeled student + parent payments
$489/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 $60,533, with a $22,590 annual allowance for basic expenses:

7.7% 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, $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.

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

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.