by our College Data Analytics TeamBelow is the data on what it actually costs to attend Murray State University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
If you want to dig into a particular figure, jump to any section below:
The total cost of attendance at Murray State University ranged from $21,475.00 to $31,411.00 based on in-state versus out-of-state status.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: near $21,475.00 in-state compared with $31,411.00 for those paying out-of-state rates.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $9,900.00 |
| + Room, board & other expenses | $11,575.00 |
| Total cost | $21,475.00 |
| That is 12% above the national average net price. |
| Total cost | $21,475.00 |
| − Grants and scholarships | −$14,389.00 |
| Net price | $7,086.00 |
| That is 63% below the national average net price. |
| Total cost | $21,475.00 |
| − Grants and scholarships | −$17,243.00 |
| Net price | $4,232.00 |
| That is 78% below the national average net price. |
| Tuition and fees | $19,836.00 |
| + Room, board & other expenses | $11,575.00 |
| Total cost | $31,411.00 |
| That is 63% above the national average net price. |
| Total cost | $31,411.00 |
| − Grants and scholarships | −$14,389.00 |
| Net price | $17,022.00 |
| That is 12% below the national average net price. |
| Total cost | $31,411.00 |
| − Grants and scholarships | −$17,243.00 |
| Net price | $14,168.00 |
| That is 26% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus living costs. |
Costs have trended upward in recent years by around 2.3% a year, so a full degree will cost more than a single year — the tables below carry that forward. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and 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 | 2.3% | 2.3% | 2.3% |
| Freshman year | $4,329.00 | $7,249.00 | $21,969.00 |
| Senior year | $4,635.00 | $7,761.00 | $23,521.00 |
| Total 4-year net price | $17,924.00 | $30,012.00 | $90,957.00 |
| 10-year loan interest @ 6.8% | $6,829.00 | $11,434.00 | $34,651.00 |
| Total monthly payment | $206.00 | $345.00 | $1,047.00 |
| Total amount paid | $24,753.00 | $41,446.00 | $125,608.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $4,329.00 | $7,249.00 | $21,969.00 |
| Senior year | $4,429.00 | $7,416.00 | $22,475.00 |
| Total 2-year net price | $8,758.00 | $14,665.00 | $44,444.00 |
| 10-year loan interest @ 6.8% | $3,337.00 | $5,587.00 | $16,931.00 |
| Total monthly payment | $101.00 | $169.00 | $511.00 |
| Total amount paid | $12,095.00 | $20,252.00 | $61,375.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $14,494.00 | $17,414.00 | $32,134.00 |
| Senior year | $15,518.00 | $18,644.00 | $34,403.00 |
| Total 4-year net price | $60,008.00 | $72,096.00 | $133,040.00 |
| 10-year loan interest @ 6.8% | $22,861.00 | $27,466.00 | $50,683.00 |
| Total monthly payment | $691.00 | $830.00 | $1,531.00 |
| Total amount paid | $82,869.00 | $99,562.00 | $183,723.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $14,494.00 | $17,414.00 | $32,134.00 |
| Senior year | $14,828.00 | $17,814.00 | $32,873.00 |
| Total 2-year net price | $29,322.00 | $35,228.00 | $65,007.00 |
| 10-year loan interest @ 6.8% | $11,170.00 | $13,421.00 | $24,765.00 |
| Total monthly payment | $337.00 | $405.00 | $748.00 |
| Total amount paid | $40,492.00 | $48,649.00 | $89,772.00 |
Jump to the net-price detail in the Net Price section.
The net price figure shows the cost after grants and scholarships are deducted. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $9,096.00 |
| Average net price (off-campus) | $9,121.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $5,594.00 |
| $30,000 to $48,000 | $5,703.00 |
| $48,001 to $75,000 | $9,616.00 |
| $75,001 to $110,000 | $13,423.00 |
| Over $110,000 | $14,282.00 |
Estimate your specific net price using the school’s Murray State University Net Price Calculator, or contact the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
Typical debt at graduation from Murray State University is $15,000.00, placing the school in the Low ($10-20k) burden tier.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,497.00 |
| 25th | $6,000.00 |
| Median (50th) | $15,000.00 |
| 75th | $26,000.00 |
| 90th | $34,735.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
For the full borrowing and repayment picture, see the student loan debt page.
Debt at graduation is far from uniform across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,708.00 |
| Middle income | $14,250.00 |
| High income | $15,000.00 |
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,000.00 |
| Continuing-generation students | $14,363.00 |
First-generation borrowers from Murray State University take on $637.00 more than continuing-generation graduates.
The Pell Grant is the main federal need-based award for undergraduates. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The gap between Pell-eligible and non-Pell median debt at Murray State University works out to $2,392.00. This school carries a federal Pell-debt-inequity flag.
The default-rate category at Murray State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 7.3% |
To give some context for these rates, Stafford loans disbursed at Murray State University add up to $617,946,074.00 distributed across 28,285 disbursements.
Veteran and active-military students often access dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 165 |
| Avg GI Bill amount | $7,440.00 |
| DoD Tuition Assistance recipients | 88 |
| Avg DoD Tuition Assistance | $1,819.00 |
Read more about military and veteran aid on the veteran aid breakdown.
Numbers only tell part of the story. As you weigh Murray State University, think through the questions below:
Dig further into the cost picture with the related pages 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.