by our College Data Analytics TeamThis overview lays out the cost of attending Indiana University-South Bend, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
Jump to any section of this page using the links below:
Cost of attendance at Indiana University-South Bend ranged from $15,984.00 to $30,371.00 across residency tiers.
Where you live mattered — in-state students paid less than out-of-state students: roughly $15,984.00 in-state, rising to $30,371.00 for non-residents.
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 | $8,424.00 |
| + Room, board & other expenses | $7,560.00 |
| Total cost | $15,984.00 |
| That is 17% below the national average net price. |
| Total cost | $15,984.00 |
| − Grants and scholarships | −$8,711.00 |
| Net price | $7,273.00 |
| That is 62% below the national average net price. |
| Total cost | $15,984.00 |
| − Grants and scholarships | −$12,727.00 |
| Net price | $3,257.00 |
| That is 83% below the national average net price. |
| Tuition and fees | $22,811.00 |
| + Room, board & other expenses | $7,560.00 |
| Total cost | $30,371.00 |
| That is 58% above the national average net price. |
| Total cost | $30,371.00 |
| − Grants and scholarships | −$8,711.00 |
| Net price | $21,660.00 |
| That is 13% above the national average net price. |
| Total cost | $30,371.00 |
| − Grants and scholarships | −$12,727.00 |
| Net price | $17,644.00 |
| That is 8% below the national average net price. | |
| Explore each piece on tuition and fees plus room and board. |
Cost of attendance here has been rising at about 2.9% per year; the projections below compound that across a degree. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $3,352.00 | $7,484.00 | $16,449.00 |
| Senior year | $3,653.00 | $8,156.00 | $17,925.00 |
| Total 4-year net price | $14,003.00 | $31,269.00 | $68,719.00 |
| 10-year loan interest @ 6.8% | $5,335.00 | $11,912.00 | $26,180.00 |
| Total monthly payment | $161.00 | $360.00 | $791.00 |
| Total amount paid | $19,337.00 | $43,181.00 | $94,899.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $3,352.00 | $7,484.00 | $16,449.00 |
| Senior year | $3,449.00 | $7,702.00 | $16,927.00 |
| Total 2-year net price | $6,801.00 | $15,186.00 | $33,375.00 |
| 10-year loan interest @ 6.8% | $2,591.00 | $5,785.00 | $12,715.00 |
| Total monthly payment | $78.00 | $175.00 | $384.00 |
| Total amount paid | $9,392.00 | $20,972.00 | $46,090.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $18,157.00 | $22,290.00 | $31,254.00 |
| Senior year | $19,787.00 | $24,290.00 | $34,059.00 |
| Total 4-year net price | $75,856.00 | $93,122.00 | $130,573.00 |
| 10-year loan interest @ 6.8% | $28,898.00 | $35,476.00 | $49,744.00 |
| Total monthly payment | $873.00 | $1,072.00 | $1,503.00 |
| Total amount paid | $104,755.00 | $128,598.00 | $180,316.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $18,157.00 | $22,290.00 | $31,254.00 |
| Senior year | $18,685.00 | $22,938.00 | $32,162.00 |
| Total 2-year net price | $36,842.00 | $45,227.00 | $63,416.00 |
| 10-year loan interest @ 6.8% | $14,035.00 | $17,230.00 | $24,159.00 |
| Total monthly payment | $424.00 | $520.00 | $730.00 |
| Total amount paid | $50,877.00 | $62,457.00 | $87,575.00 |
Jump to the net-price detail in the Net Price section.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $8,653.00 |
| Average net price (off-campus) | $8,364.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $4,347.00 |
| $30,000 to $48,000 | $5,039.00 |
| $48,001 to $75,000 | $9,272.00 |
| $75,001 to $110,000 | $14,551.00 |
| Over $110,000 | $15,174.00 |
Estimate your specific net price using the school’s Indiana University-South Bend Net Price Calculator, or visit the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
The median amount borrowed by graduates of Indiana University-South Bend stands at $12,000.00, categorized as a Low ($10-20k) burden category.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,650.00 |
| 25th | $5,232.00 |
| Median (50th) | $12,000.00 |
| 75th | $25,500.00 |
| 90th | $38,806.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student loan debt page.
Debt outcomes vary substantially with family income. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $11,703.00 |
| Middle income | $12,212.00 |
| High income | $12,000.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $11,580.00 |
| Continuing-generation students | $13,376.00 |
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 Indiana University-South Bend stands at $2,675.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The default-rate classification at Indiana University-South Bend is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 13.0% |
For context on the loan portfolio, Stafford disbursements at Indiana University-South Bend total $446,179,748.00 covering 21,009 borrowers.
Veterans and active-duty students can access dedicated federal education aid including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 70 |
| Avg GI Bill amount | $5,626.00 |
| DoD Tuition Assistance recipients | 29 |
| Avg DoD Tuition Assistance | $3,224.00 |
Dig into veteran education benefits on the college veterans page.
Numbers only tell part of the story. As you weigh Indiana University-South Bend, 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.