by our College Data Analytics TeamHere’s the full picture on paying for William Paterson University of New Jersey, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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Cost of attendance at William Paterson U of New Jersey varied between $26,555.00 and $36,195.00 depending on your residency status.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: close to $26,555.00 in-state versus $36,195.00 for those paying out-of-state rates.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $15,704.00 |
| + Room, board & other expenses | $10,851.00 |
| Total cost | $26,555.00 |
| That is 38% above the national average net price. |
| Total cost | $26,555.00 |
| − Grants and scholarships | −$9,731.00 |
| Net price | $16,824.00 |
| That is 13% below the national average net price. |
| Total cost | $26,555.00 |
| − Grants and scholarships | −$12,305.00 |
| Net price | $14,250.00 |
| That is 26% below the national average net price. |
| Tuition and fees | $25,344.00 |
| + Room, board & other expenses | $10,851.00 |
| Total cost | $36,195.00 |
| That is 88% above the national average net price. |
| Total cost | $36,195.00 |
| − Grants and scholarships | −$9,731.00 |
| Net price | $26,464.00 |
| That is 37% above the national average net price. |
| Total cost | $36,195.00 |
| − Grants and scholarships | −$12,305.00 |
| Net price | $23,890.00 |
| That is 24% above the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page and room and board. |
Cost of attendance here has been rising by around 3.4% per year; the projections below compound that across a degree. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $14,730.00 | $17,390.00 | $27,449.00 |
| Senior year | $16,268.00 | $19,206.00 | $30,315.00 |
| Total 4-year net price | $61,961.00 | $73,153.00 | $115,465.00 |
| 10-year loan interest @ 6.8% | $23,605.00 | $27,869.00 | $43,988.00 |
| Total monthly payment | $713.00 | $842.00 | $1,329.00 |
| Total amount paid | $85,566.00 | $101,022.00 | $159,453.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $14,730.00 | $17,390.00 | $27,449.00 |
| Senior year | $15,226.00 | $17,976.00 | $28,373.00 |
| Total 2-year net price | $29,955.00 | $35,366.00 | $55,822.00 |
| 10-year loan interest @ 6.8% | $11,412.00 | $13,473.00 | $21,266.00 |
| Total monthly payment | $345.00 | $407.00 | $642.00 |
| Total amount paid | $41,367.00 | $48,839.00 | $77,088.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $24,694.00 | $27,355.00 | $37,413.00 |
| Senior year | $27,273.00 | $30,211.00 | $41,320.00 |
| Total 4-year net price | $103,877.00 | $115,069.00 | $157,381.00 |
| 10-year loan interest @ 6.8% | $39,573.00 | $43,837.00 | $59,957.00 |
| Total monthly payment | $1,195.00 | $1,324.00 | $1,811.00 |
| Total amount paid | $143,451.00 | $158,907.00 | $217,338.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $24,694.00 | $27,355.00 | $37,413.00 |
| Senior year | $25,525.00 | $28,276.00 | $38,673.00 |
| Total 2-year net price | $50,220.00 | $55,630.00 | $76,086.00 |
| 10-year loan interest @ 6.8% | $19,132.00 | $21,193.00 | $28,986.00 |
| Total monthly payment | $578.00 | $640.00 | $876.00 |
| Total amount paid | $69,352.00 | $76,824.00 | $105,072.00 |
Jump to the net-price detail in the Net Price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $18,745.00 |
| Average net price (off-campus) | $17,764.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $15,420.00 |
| $30,000 to $48,000 | $17,010.00 |
| $48,001 to $75,000 | $17,978.00 |
| $75,001 to $110,000 | $20,823.00 |
| Over $110,000 | $23,237.00 |
For a personalized estimate, try the William Paterson University of New Jersey Net Price Calculator, or contact the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
Typical debt at graduation from William Paterson U of New Jersey amounts to $15,750.00, categorized as a Low ($10-20k) burden tier.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $7,500.00 |
| Median (50th) | $15,750.00 |
| 75th | $27,000.00 |
| 90th | $35,500.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Explore borrowing, repayment, and default in detail on the student-loan-debt breakdown.
Student debt at graduation is not evenly distributed across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,250.00 |
| Middle income | $15,500.00 |
| High income | $17,750.00 |
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,525.00 |
| Continuing-generation students | $16,472.00 |
The Pell Grant is the main federal need-based award for undergraduates. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell-versus-non-Pell median debt difference at William Paterson U of New Jersey works out to $1,250.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate classification for William Paterson U of New Jersey is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 7.5% |
For scale, federal Stafford loan disbursements at William Paterson U of New Jersey total $691,505,521.00 distributed across 35,621 borrowers.
Veterans and active-duty students can access dedicated federal education aid such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 97 |
| Avg GI Bill amount | $8,619.00 |
| DoD Tuition Assistance recipients | 9 |
| Avg DoD Tuition Assistance | $2,877.00 |
Explore GI Bill and military aid in detail on the college veterans page.
The data above is a foundation; round it out by asking yourself about William Paterson U of New Jersey, consider the following:
Use the pages below to go deeper on a specific part of the cost story:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.