by our College Data Analytics TeamHere is what you can expect to pay at Morehead State University, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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The full cost of attending Morehead State University came in between $22,758.00 ranging to $27,714.00 depending on residency and living arrangement.
In-state residents qualified for the lower cost, with out-of-state students paying more: roughly $22,758.00 in-state against $27,714.00 out of state.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $10,024.00 |
| + Room, board & other expenses | $12,734.00 |
| Total cost | $22,758.00 |
| That is 18% above the national average net price. |
| Total cost | $22,758.00 |
| − Grants and scholarships | −$12,168.00 |
| Net price | $10,590.00 |
| That is 45% below the national average net price. |
| Total cost | $22,758.00 |
| − Grants and scholarships | −$14,811.00 |
| Net price | $7,947.00 |
| That is 59% below the national average net price. |
| Tuition and fees | $14,980.00 |
| + Room, board & other expenses | $12,734.00 |
| Total cost | $27,714.00 |
| That is 44% above the national average net price. |
| Total cost | $27,714.00 |
| − Grants and scholarships | −$12,168.00 |
| Net price | $15,546.00 |
| That is 19% below the national average net price. |
| Total cost | $27,714.00 |
| − Grants and scholarships | −$14,811.00 |
| Net price | $12,903.00 |
| That is 33% below the national average net price. | |
| Go deeper on the components with the tuition & fees page and living costs. |
Published costs have climbed year over year at about 2.0% per year; the projections below compound that across a degree. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.0% | 2.0% | 2.0% |
| Freshman year | $8,108.00 | $10,805.00 | $23,219.00 |
| Senior year | $8,611.00 | $11,475.00 | $24,659.00 |
| Total 4-year net price | $33,431.00 | $44,550.00 | $95,738.00 |
| 10-year loan interest @ 6.8% | $12,736.00 | $16,972.00 | $36,473.00 |
| Total monthly payment | $385.00 | $513.00 | $1,102.00 |
| Total amount paid | $46,167.00 | $61,522.00 | $132,211.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.0% | 2.0% | 2.0% |
| Freshman year | $8,108.00 | $10,805.00 | $23,219.00 |
| Senior year | $8,272.00 | $11,024.00 | $23,690.00 |
| Total 2-year net price | $16,380.00 | $21,828.00 | $46,909.00 |
| 10-year loan interest @ 6.8% | $6,240.00 | $8,316.00 | $17,871.00 |
| Total monthly payment | $189.00 | $251.00 | $540.00 |
| Total amount paid | $22,621.00 | $30,144.00 | $64,779.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.0% | 2.0% | 2.0% |
| Freshman year | $13,164.00 | $15,861.00 | $28,276.00 |
| Senior year | $13,981.00 | $16,845.00 | $30,030.00 |
| Total 4-year net price | $54,280.00 | $65,399.00 | $116,587.00 |
| 10-year loan interest @ 6.8% | $20,679.00 | $24,915.00 | $44,415.00 |
| Total monthly payment | $625.00 | $753.00 | $1,342.00 |
| Total amount paid | $74,959.00 | $90,313.00 | $161,002.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.0% | 2.0% | 2.0% |
| Freshman year | $13,164.00 | $15,861.00 | $28,276.00 |
| Senior year | $13,431.00 | $16,182.00 | $28,849.00 |
| Total 2-year net price | $26,596.00 | $32,043.00 | $57,124.00 |
| 10-year loan interest @ 6.8% | $10,132.00 | $12,207.00 | $21,762.00 |
| Total monthly payment | $306.00 | $369.00 | $657.00 |
| Total amount paid | $36,728.00 | $44,251.00 | $78,886.00 |
See the full net-price breakdown in the Net Price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $9,793.00 |
| Average net price (off-campus) | $10,089.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $7,561.00 |
| $30,000 to $48,000 | $7,152.00 |
| $48,001 to $75,000 | $9,920.00 |
| $75,001 to $110,000 | $13,796.00 |
| Over $110,000 | $14,197.00 |
Use [Morehead State University Net Price Calculator](https://tcc.ruffalonl.com/Morehead State University/NPC), or get in touch with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
The typical debt load for borrowers leaving Morehead State University comes to $14,705.00, categorized as a Low ($10-20k) burden tier.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,250.00 |
| 25th | $6,250.00 |
| Median (50th) | $14,705.00 |
| 75th | $26,423.00 |
| 90th | $36,396.00 |
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 detail.
Debt at graduation is far from uniform across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,250.00 |
| Middle income | $15,250.00 |
| High income | $14,957.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $14,755.00 |
| Continuing-generation students | $14,250.00 |
First-gen students at Morehead State University hold $505.00 in additional median debt versus continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt gap between Pell and non-Pell graduates of Morehead State University works out to $2,517.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The default-rate category at Morehead State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 10.0% |
For context on the loan portfolio, Stafford disbursements at Morehead State University amount to $689,768,496.00 covering 32,365 loan recipients.
Veterans and active-duty students can access dedicated federal education aid including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 43 |
| Avg GI Bill amount | $6,313.00 |
| DoD Tuition Assistance recipients | 2 |
| Avg DoD Tuition Assistance | $1,625.00 |
Explore GI Bill and military aid in detail on the veterans benefits detail.
The data above is a foundation; round it out by asking yourself about Morehead State University, think through the questions below:
Each page below covers one part of paying for college in more detail:
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.