by our College Data Analytics TeamBelow is the data on what it actually costs to attend Northern Arizona 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.
Use the section links below to navigate this overview:
Published attendance costs at Northern Arizona University spanned $29,495.00 ranging to $46,367.00 across residency tiers.
In-state students paid the lower published figure, while out-of-state students faced the higher one: about $29,495.00 for in-state students versus $46,367.00 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 | $13,009.00 |
| + Room, board & other expenses | $16,486.00 |
| Total cost | $29,495.00 |
| That is 53% above the national average net price. |
| Total cost | $29,495.00 |
| − Grants and scholarships | −$15,775.00 |
| Net price | $13,720.00 |
| That is 29% below the national average net price. |
| Total cost | $29,495.00 |
| − Grants and scholarships | −$20,224.00 |
| Net price | $9,271.00 |
| That is 52% below the national average net price. |
| Tuition and fees | $29,881.00 |
| + Room, board & other expenses | $16,486.00 |
| Total cost | $46,367.00 |
| That is 141% above the national average net price. |
| Total cost | $46,367.00 |
| − Grants and scholarships | −$15,775.00 |
| Net price | $30,592.00 |
| That is 59% above the national average net price. |
| Total cost | $46,367.00 |
| − Grants and scholarships | −$20,224.00 |
| Net price | $26,143.00 |
| That is 36% above the national average net price. | |
| Explore each piece on the tuition & fees page and room and board. |
Cost of attendance here has been rising by around 3.9% a year, so a full degree will cost more than a single year — the tables below carry that forward. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. 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 | 3.9% | 3.9% | 3.9% |
| Freshman year | $9,633.00 | $14,255.00 | $30,646.00 |
| Senior year | $10,805.00 | $15,990.00 | $34,374.00 |
| Total 4-year net price | $40,845.00 | $60,445.00 | $129,944.00 |
| 10-year loan interest @ 6.8% | $15,560.00 | $23,028.00 | $49,504.00 |
| Total monthly payment | $470.00 | $696.00 | $1,495.00 |
| Total amount paid | $56,405.00 | $83,473.00 | $179,448.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.9% | 3.9% | 3.9% |
| Freshman year | $9,633.00 | $14,255.00 | $30,646.00 |
| Senior year | $10,008.00 | $14,811.00 | $31,841.00 |
| Total 2-year net price | $19,641.00 | $29,067.00 | $62,487.00 |
| 10-year loan interest @ 6.8% | $7,483.00 | $11,073.00 | $23,805.00 |
| Total monthly payment | $226.00 | $334.00 | $719.00 |
| Total amount paid | $27,124.00 | $40,140.00 | $86,292.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.9% | 3.9% | 3.9% |
| Freshman year | $27,163.00 | $31,785.00 | $48,176.00 |
| Senior year | $30,468.00 | $35,653.00 | $54,037.00 |
| Total 4-year net price | $115,177.00 | $134,777.00 | $204,276.00 |
| 10-year loan interest @ 6.8% | $43,878.00 | $51,345.00 | $77,822.00 |
| Total monthly payment | $1,325.00 | $1,551.00 | $2,351.00 |
| Total amount paid | $159,055.00 | $186,123.00 | $282,098.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.9% | 3.9% | 3.9% |
| Freshman year | $27,163.00 | $31,785.00 | $48,176.00 |
| Senior year | $28,223.00 | $33,025.00 | $50,055.00 |
| Total 2-year net price | $55,385.00 | $64,811.00 | $98,231.00 |
| 10-year loan interest @ 6.8% | $21,100.00 | $24,691.00 | $37,423.00 |
| Total monthly payment | $637.00 | $746.00 | $1,130.00 |
| Total amount paid | $76,485.00 | $89,502.00 | $135,654.00 |
Jump to the net-price detail in the net-price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $14,158.00 |
| Average net price (off-campus) | $14,922.00 |
The real cost varies by income because need-based aid scales with financial need. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,333.00 |
| $30,000 to $48,000 | $11,015.00 |
| $48,001 to $75,000 | $14,211.00 |
| $75,001 to $110,000 | $19,013.00 |
| Over $110,000 | $20,484.00 |
For a personalized estimate, try the Northern Arizona University Net Price Calculator, or check with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
The typical debt load for borrowers leaving Northern Arizona University is $12,916.00, placing the school in the Low ($10-20k) debt-burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,225.00 |
| 25th | $5,500.00 |
| Median (50th) | $12,916.00 |
| 75th | $23,726.00 |
| 90th | $31,000.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Explore borrowing, repayment, and default in detail on the student loan debt detail.
Student debt at graduation is not evenly distributed across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,500.00 |
| Middle income | $12,500.00 |
| High income | $13,533.00 |
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,500.00 |
| Continuing-generation students | $13,582.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The median debt gap between Pell and non-Pell graduates of Northern Arizona University amounts to $1,027.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The default-rate classification at Northern Arizona University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.2% |
For context on the loan portfolio, Stafford disbursements at Northern Arizona University add up to $1,914,119,797.00 covering 88,876 recipients.
Veteran and active-military students often access dedicated federal aid programs including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 575 |
| Avg GI Bill amount | $8,115.00 |
| DoD Tuition Assistance recipients | 139 |
| Avg DoD Tuition Assistance | $2,418.00 |
Read more about military and veteran aid on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing Northern Arizona 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.