by our College Data Analytics TeamHere is what you can expect to pay at Adams State University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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Cost of attendance at Adams State University ranged from $23,800.00 to $35,920.00 based on in-state versus out-of-state status.
Where you live mattered — in-state students paid less than out-of-state students: about $23,800.00 in-state against $35,920.00 for non-residents.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $9,824.00 |
| + Room, board & other expenses | $13,976.00 |
| Total cost | $23,800.00 |
| That is 24% above the national average net price. |
| Total cost | $23,800.00 |
| − Grants and scholarships | −$11,372.00 |
| Net price | $12,428.00 |
| That is 35% below the national average net price. |
| Total cost | $23,800.00 |
| − Grants and scholarships | −$14,405.00 |
| Net price | $9,395.00 |
| That is 51% below the national average net price. |
| Tuition and fees | $21,944.00 |
| + Room, board & other expenses | $13,976.00 |
| Total cost | $35,920.00 |
| That is 87% above the national average net price. |
| Total cost | $35,920.00 |
| − Grants and scholarships | −$11,372.00 |
| Net price | $24,548.00 |
| That is 28% above the national average net price. |
| Total cost | $35,920.00 |
| − Grants and scholarships | −$14,405.00 |
| Net price | $21,515.00 |
| That is 12% above the national average net price. | |
| Explore each piece on the tuition & fees page plus living costs. |
The reported cost series has been increasing at about 7.4% per year, so the four-year total runs well above today’s cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. 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 | 7.4% | 7.4% | 7.4% |
| Freshman year | $10,092.00 | $13,351.00 | $25,567.00 |
| Senior year | $12,511.00 | $16,550.00 | $31,694.00 |
| Total 4-year net price | $45,092.00 | $59,649.00 | $114,229.00 |
| 10-year loan interest @ 6.8% | $17,178.00 | $22,724.00 | $43,517.00 |
| Total monthly payment | $519.00 | $686.00 | $1,315.00 |
| Total amount paid | $62,270.00 | $82,373.00 | $157,746.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.4% | 7.4% | 7.4% |
| Freshman year | $10,092.00 | $13,351.00 | $25,567.00 |
| Senior year | $10,842.00 | $14,342.00 | $27,465.00 |
| Total 2-year net price | $20,934.00 | $27,692.00 | $53,032.00 |
| 10-year loan interest @ 6.8% | $7,975.00 | $10,550.00 | $20,203.00 |
| Total monthly payment | $241.00 | $319.00 | $610.00 |
| Total amount paid | $28,909.00 | $38,242.00 | $73,235.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.4% | 7.4% | 7.4% |
| Freshman year | $23,112.00 | $26,370.00 | $38,587.00 |
| Senior year | $28,651.00 | $32,690.00 | $47,834.00 |
| Total 4-year net price | $103,262.00 | $117,819.00 | $172,399.00 |
| 10-year loan interest @ 6.8% | $39,339.00 | $44,885.00 | $65,678.00 |
| Total monthly payment | $1,188.00 | $1,356.00 | $1,984.00 |
| Total amount paid | $142,601.00 | $162,704.00 | $238,077.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.4% | 7.4% | 7.4% |
| Freshman year | $23,112.00 | $26,370.00 | $38,587.00 |
| Senior year | $24,828.00 | $28,328.00 | $41,451.00 |
| Total 2-year net price | $47,940.00 | $54,698.00 | $80,038.00 |
| 10-year loan interest @ 6.8% | $18,263.00 | $20,838.00 | $30,491.00 |
| Total monthly payment | $552.00 | $629.00 | $921.00 |
| Total amount paid | $66,204.00 | $75,536.00 | $110,529.00 |
See the full net-price breakdown in the Net Price section.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $12,980.00 |
| Average net price (off-campus) | $14,173.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,130.00 |
| $30,000 to $48,000 | $10,511.00 |
| $48,001 to $75,000 | $13,658.00 |
| $75,001 to $110,000 | $19,496.00 |
| Over $110,000 | $21,092.00 |
Run your own numbers with the Adams State University Net Price Calculator, or visit the financial aid office.
Dig into how aid is awarded on the grants & scholarships detail.
The typical debt load for borrowers leaving Adams State University amounts to $11,750.00, placing the school in the Low ($10-20k) burden category.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $5,500.00 |
| Median (50th) | $11,750.00 |
| 75th | $23,500.00 |
| 90th | $33,747.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student loan debt detail.
Debt at graduation is far from uniform across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,500.00 |
| Middle income | $11,701.00 |
| High income | $10,884.00 |
Low-income borrowers graduate with $1,616.00 in extra median debt compared with high-income peers.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $11,750.00 |
| Continuing-generation students | $11,750.00 |
The Pell Grant is the main federal need-based award for undergraduates. Pell vs non-Pell comparisons surface how debt breaks down by need.
The median debt gap between Pell and non-Pell graduates of Adams State University stands at $3,640.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The Department of Education default-rate tier for Adams State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 7.2% |
For a sense of scale, Stafford disbursements at Adams State University total $308,790,370.00 spread across 13,618 recipients.
Veterans and active-duty servicemembers can tap dedicated federal aid programs such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 37 |
| Avg GI Bill amount | $5,625.00 |
| DoD Tuition Assistance recipients | 2 |
| Avg DoD Tuition Assistance | $1,125.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
Numbers only tell part of the story. As you weigh Adams State University, the questions below are worth your time:
Explore the related pages below for a deeper look at the cost picture:
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.