by our College Data Analytics TeamA large number of students will never be charged the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The total price of attendance at Indiana University of Pennsylvania-Main Campus can feel tremendous, but do not forget that almost all students receive some sort of financial help.
Just what financing solutions does IUP deliver, and just what are you going to be eligible for? Keep scrolling for answers. Keep reading to see just how much financial aid could be open to you.
The amount of financial aid you can receive varies from person to person and will depend on your family’s economic situation. Continue reading to find information to help you understand just how much assistance you can expect to receive from Indiana University of Pennsylvania-Main Campus.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Some kinds of aid are clearly preferable to others, and outcomes differ across students.
Looking at the entering class at Indiana University of Pennsylvania-Main Campus, 100% of entering full-time freshmen got some type of financial assistance around 1978 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 99% | $9,154 |
| Institutional grants & scholarships | 96% | $4,925 |
| Federal Pell grants | 45% | $5,518 |
| State/local grants | 38% | $4,169 |
| Federal student loans | 68% | $5,228 |
Unlike loans, grants and scholarships are gift aid that does not need to be paid back, making them the most desirable form of assistance. Across the undergraduate body at IUP, roughly 84% of undergraduates were awarded an average grant or scholarship of $8,533 (covering around 6280 undergraduates).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 84% | $8,533 |
| Federal Pell grants | 37% | $5,300 |
| Federal student loans | 59% | $6,106 |
On-campus students receiving title-IV aid were awarded grants averaging $10,094.
Need-based aid means lower-income families typically pay far less than the sticker price suggests.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $12,906 |
| $30,001 – $75,000 | $14,954 |
| Over $75,000 | $21,245 |
Remember these are net prices — what families pay after gift aid, not before.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $16,804 |
| Off-campus title-IV students | $17,216 |
For an estimate tailored to your family circumstances, see IUP’s net price tool: www.passhe.edu/answers/Calculator/IN/npcalc-213020.htm.
A typical borrower at IUP leaves with $19,995 of cumulative federal debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $19,995 |
| Median federal debt (graduates only) | $26,798 |
| Typical 10-year monthly payment (graduates) | $284.1/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. The percentiles below describe the cumulative federal debt distribution for borrowers at IUP.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,750 |
| 25th percentile | $8,500 |
| 75th percentile | $28,000 |
| 90th percentile (highest-debt students) | $35,000 |
The figures below break down median federal debt by income tier, first-generation status, and dependency.
Debt by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,750 |
| Middle income | $19,900 |
| High income | $21,218 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,500 |
| Continuing-generation students | $20,732 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,000 |
| Independent students | $18,750 |
The figure below distills the debt data into a single burden category for IUP.
Stafford loans are the federal government’s primary direct undergraduate lending program. The annual Stafford volume below reflects program activity at IUP:
| Metric | Value |
|---|---|
| Stafford loan recipients | 54882 |
| Total Stafford loan amount | $1,209,162,219 |
Military-affiliated students can tap the Post-9/11 GI Bill and DoD Tuition Assistance.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 99 |
| Total GI Bill amount | $664,363 |
| Average GI Bill amount per recipient | $6,711 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 1 |
| Total DoD amount | $3,000 |
| Average DoD amount per recipient | $3,000 |
References
More about our data sources and methodologies.