by our College Data Analytics TeamThis overview lays out the cost of attending Montclair State University, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
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Cost of attendance at Montclair State University ranged from $25,926.00 and $36,036.00 based on in-state versus out-of-state status.
Where you live mattered — in-state students paid less than out-of-state students: about $25,926.00 in-state versus $36,036.00 out of state.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $15,912.00 |
| + Room, board & other expenses | $10,014.00 |
| Total cost | $25,926.00 |
| That is 35% above the national average net price. |
| Total cost | $25,926.00 |
| − Grants and scholarships | −$12,739.00 |
| Net price | $13,187.00 |
| That is 31% below the national average net price. |
| Total cost | $25,926.00 |
| − Grants and scholarships | −$17,425.00 |
| Net price | $8,501.00 |
| That is 56% below the national average net price. |
| Tuition and fees | $26,022.00 |
| + Room, board & other expenses | $10,014.00 |
| Total cost | $36,036.00 |
| That is 87% above the national average net price. |
| Total cost | $36,036.00 |
| − Grants and scholarships | −$12,739.00 |
| Net price | $23,297.00 |
| That is 21% above the national average net price. |
| Total cost | $36,036.00 |
| − Grants and scholarships | −$17,425.00 |
| Net price | $18,611.00 |
| That is 3% below the national average net price. | |
| Explore each piece on tuition and fees and living costs. |
Cost of attendance here has been rising at about 6.8% per year; the projections below compound that across a degree. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.8% | 6.8% | 6.8% |
| Freshman year | $9,082.00 | $14,088.00 | $27,698.00 |
| Senior year | $11,074.00 | $17,179.00 | $33,774.00 |
| Total 4-year net price | $40,225.00 | $62,398.00 | $122,675.00 |
| 10-year loan interest @ 6.8% | $15,324.00 | $23,771.00 | $46,735.00 |
| Total monthly payment | $463.00 | $718.00 | $1,412.00 |
| Total amount paid | $55,549.00 | $86,169.00 | $169,410.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.8% | 6.8% | 6.8% |
| Freshman year | $9,082.00 | $14,088.00 | $27,698.00 |
| Senior year | $9,703.00 | $15,051.00 | $29,591.00 |
| Total 2-year net price | $18,785.00 | $29,139.00 | $57,289.00 |
| 10-year loan interest @ 6.8% | $7,156.00 | $11,101.00 | $21,825.00 |
| Total monthly payment | $216.00 | $335.00 | $659.00 |
| Total amount paid | $25,941.00 | $40,240.00 | $79,114.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.8% | 6.8% | 6.8% |
| Freshman year | $19,883.00 | $24,889.00 | $38,499.00 |
| Senior year | $24,244.00 | $30,349.00 | $46,944.00 |
| Total 4-year net price | $88,063.00 | $110,236.00 | $170,514.00 |
| 10-year loan interest @ 6.8% | $33,549.00 | $41,996.00 | $64,960.00 |
| Total monthly payment | $1,013.00 | $1,269.00 | $1,962.00 |
| Total amount paid | $121,611.00 | $152,232.00 | $235,473.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.8% | 6.8% | 6.8% |
| Freshman year | $19,883.00 | $24,889.00 | $38,499.00 |
| Senior year | $21,242.00 | $26,590.00 | $41,130.00 |
| Total 2-year net price | $41,125.00 | $51,479.00 | $79,629.00 |
| 10-year loan interest @ 6.8% | $15,667.00 | $19,612.00 | $30,336.00 |
| Total monthly payment | $473.00 | $592.00 | $916.00 |
| Total amount paid | $56,792.00 | $71,091.00 | $109,964.00 |
See the full net-price breakdown in the Net Price section.
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) | $15,566.00 |
| Average net price (off-campus) | $14,159.00 |
The real cost varies by income because need-based aid scales with financial need. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $9,482.00 |
| $30,000 to $48,000 | $10,729.00 |
| $48,001 to $75,000 | $15,990.00 |
| $75,001 to $110,000 | $21,259.00 |
| Over $110,000 | $23,607.00 |
Use Montclair State University Net Price Calculator, or check with the financial aid office.
Dig into how aid is awarded on the financial aid page.
Typical debt at graduation from Montclair State University stands at $17,500.00, landing it in the Low ($10-20k) burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,750.00 |
| 25th | $8,750.00 |
| Median (50th) | $17,500.00 |
| 75th | $27,000.00 |
| 90th | $34,000.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Explore borrowing, repayment, and default in detail on the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $17,250.00 |
| Middle income | $17,750.00 |
| High income | $17,125.00 |
Low-income borrowers graduate with $125.00 more debt than high-income graduates.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $17,400.00 |
| Continuing-generation students | $17,500.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt gap between Pell and non-Pell graduates of Montclair State University comes to $3,500.00. Federal data flags this school for Pell-related debt inequity.
The federal default-rate classification for Montclair State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 2.6% |
For scale, federal Stafford loan disbursements at Montclair State University total $1,163,891,356.00 over 54,030 loan recipients.
Veterans and current servicemembers may be eligible for major federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 193 |
| Avg GI Bill amount | $11,705.00 |
| DoD Tuition Assistance recipients | 12 |
| Avg DoD Tuition Assistance | $2,846.00 |
Read more about military and veteran aid on the veterans benefits detail.
Beyond the data above, it helps to ask a few questions when weighing Montclair State University, a few questions are worth asking:
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.