by our College Data Analytics TeamThe majority of students will not be asked to pay the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total price of attendance at Kentucky State University can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
Just what financing solutions does KY State deliver, and just what are you going to be eligible for? Keep scrolling for answers. Scroll down to see just how much financial aid could be open to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. Read on to get a sense of the financial assistance available at Kentucky State University.
Aid such as grants, loans, work-study, and scholarships helps colleges decrease the real cost of attendance for most students. Some kinds of aid are clearly preferable to others, and outcomes differ across students.
At Kentucky State University, 99% of the incoming full-time class was awarded financial aid some 310 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 94% | $10,340 |
| Institutional grants & scholarships | 63% | $3,521 |
| Federal Pell grants | 79% | $6,824 |
| State/local grants | 34% | $5,382 |
| Federal student loans | 74% | $6,262 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. Here, about 89% of undergraduate students received gift aid averaging $9,825 (for some 1377 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 89% | $9,825 |
| Federal Pell grants | 58% | $6,366 |
| Federal student loans | 56% | $7,144 |
On-campus students receiving title-IV aid were awarded grants averaging $13,687.
Since aid is largely need-based, the real cost of attendance falls steeply for lower-income families.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $6,401 |
| $30,001 – $75,000 | $7,769 |
| Over $75,000 | $16,003 |
Remember these are net prices — what families pay after gift aid, not before.
Net price is the average annual cost after grants and scholarships are subtracted from the published cost of attendance — the figure closest to what a typical aid-receiving student actually pays.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $8,040 |
| Off-campus title-IV students | $8,900 |
For an estimate tailored to your family circumstances, see KY State’s online cost calculator: kysu.studentaidcalculator.com/survey.aspx.
Graduating students at KY State carry a median federal student debt of $12,250 of federal borrowing.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $12,250 |
| Median federal debt (graduates only) | $25,938 |
| Typical 10-year monthly payment (graduates) | $274.99/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
A single median figure conceals how much debt outcomes differ student to student. The percentiles below describe the cumulative federal debt distribution for borrowers at KY State.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $7,500 |
| 75th percentile | $33,250 |
| 90th percentile (highest-debt students) | $47,625 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $12,344 |
| Middle income | $12,000 |
| High income | $10,997 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $12,000 |
| Continuing-generation students | $13,673 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $10,250 |
| Independent students | $19,356 |
Federal data publishes pre-calculated indicators that summarize debt outcomes. KY State.
The Stafford loan program is the largest source of federal direct loans to undergraduates. The annual Stafford volume below reflects program activity at KY State:
| Metric | Value |
|---|---|
| Stafford loan recipients | 12311 |
| Total Stafford loan amount | $283,542,971 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 16 |
| Total GI Bill amount | $98,212 |
| Average GI Bill amount per recipient | $6,138 |
References
More about our data sources and methodologies.