by our College Data Analytics TeamBelow is the data on what it actually costs to attend Elmira College, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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The total published cost of attendance at Elmira College amounts to about $50,783.00 for a single academic year.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $38,976.00 |
| + Room, board & other expenses | $11,807.00 |
| Total cost | $50,783.00 |
| That is 55% above the national average net price. |
| Total cost | $50,783.00 |
| − Grants and scholarships | −$30,063.00 |
| Net price | $20,720.00 |
| That is 37% below the national average net price. |
| Total cost | $50,783.00 |
| − Grants and scholarships | −$35,057.00 |
| Net price | $15,726.00 |
| That is 52% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees and living costs. |
Published costs have climbed year over year at a recent average of 2.5% a year, so a full degree will cost more than a single year — the tables below carry that forward. 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 | 2.5% | 2.5% | 2.5% |
| Freshman year | $16,114.00 | $21,231.00 | $52,036.00 |
| Senior year | $17,336.00 | $22,842.00 | $55,984.00 |
| Total 4-year net price | $66,881.00 | $88,120.00 | $215,975.00 |
| 10-year loan interest @ 6.8% | $25,479.00 | $33,571.00 | $82,279.00 |
| Total monthly payment | $770.00 | $1,014.00 | $2,485.00 |
| Total amount paid | $92,360.00 | $121,691.00 | $298,254.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.5% | 2.5% | 2.5% |
| Freshman year | $16,114.00 | $21,231.00 | $52,036.00 |
| Senior year | $16,512.00 | $21,755.00 | $53,320.00 |
| Total 2-year net price | $32,626.00 | $42,986.00 | $105,356.00 |
| 10-year loan interest @ 6.8% | $12,429.00 | $16,376.00 | $40,137.00 |
| Total monthly payment | $375.00 | $495.00 | $1,212.00 |
| Total amount paid | $45,055.00 | $59,363.00 | $145,493.00 |
Jump to the net-price detail in the net price section below.
Net price strips out grant and scholarship aid to show what families really pay. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $22,386.00 |
| Average net price (off-campus) | $23,735.00 |
The real cost varies by income because need-based aid scales with financial need. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $19,761.00 |
| $30,000 to $48,000 | $19,167.00 |
| $48,001 to $75,000 | $18,523.00 |
| $75,001 to $110,000 | $23,840.00 |
| Over $110,000 | $28,670.00 |
Estimate your specific net price using the school’s Elmira College Net Price Calculator, or get in touch with the financial aid office.
Want to know how that aid is awarded? See the financial aid page.
Typical debt at graduation from Elmira College comes to $20,230.00, which the Department of Education classifies as a Moderate ($20-30k) debt-burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,250.00 |
| 25th | $8,750.00 |
| Median (50th) | $20,230.00 |
| 75th | $27,000.00 |
| 90th | $37,500.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Explore borrowing, repayment, and default in detail on the student-loan-debt breakdown.
Student debt at graduation is not evenly distributed across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $19,500.00 |
| Middle income | $24,900.00 |
| High income | $19,500.00 |
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $20,510.00 |
| Continuing-generation students | $19,500.00 |
First-generation graduates from Elmira College hold $1,010.00 more median debt than continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The gap between Pell-eligible and non-Pell median debt at Elmira College amounts to $3,000.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The default-rate classification at Elmira College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.0% |
For a sense of scale, Stafford disbursements at Elmira College add up to $109,544,820.00 distributed across 6,209 student borrowers.
Veteran and active-military students often access dedicated federal aid programs including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 5 |
| Avg GI Bill amount | $21,687.00 |
Read more about military and veteran aid on the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about Elmira College, keep these questions in mind:
For a closer look at any of these topics, follow the links below:
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.