by our College Data Analytics TeamThis overview lays out the cost of attending Northern Kentucky University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
Want a specific number? Skip ahead to any section using the links below:
The total cost of attendance at Northern Kentucky University came in between $19,471.00 to $30,295.00 depending on whether you qualify for in-state rates.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: close to $19,471.00 in-state, rising to $30,295.00 for non-residents.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $11,088.00 |
| + Room, board & other expenses | $8,383.00 |
| Total cost | $19,471.00 |
| That is roughly at the national average net price. |
| Total cost | $19,471.00 |
| − Grants and scholarships | −$11,534.00 |
| Net price | $7,937.00 |
| That is 59% below the national average net price. |
| Total cost | $19,471.00 |
| − Grants and scholarships | −$17,122.00 |
| Net price | $2,349.00 |
| That is 88% below the national average net price. |
| Tuition and fees | $21,912.00 |
| + Room, board & other expenses | $8,383.00 |
| Total cost | $30,295.00 |
| That is 57% above the national average net price. |
| Total cost | $30,295.00 |
| − Grants and scholarships | −$11,534.00 |
| Net price | $18,761.00 |
| That is 3% below the national average net price. |
| Total cost | $30,295.00 |
| − Grants and scholarships | −$17,122.00 |
| Net price | $13,173.00 |
| That is 32% below the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page and living costs. |
Published costs have climbed year over year 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. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| 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 | $2,404.00 | $8,122.00 | $19,925.00 |
| Senior year | $2,576.00 | $8,704.00 | $21,353.00 |
| Total 4-year net price | $9,957.00 | $33,643.00 | $82,534.00 |
| 10-year loan interest @ 6.8% | $3,793.00 | $12,817.00 | $31,442.00 |
| Total monthly payment | $115.00 | $387.00 | $950.00 |
| Total amount paid | $13,750.00 | $46,460.00 | $113,976.00 |
| 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 | $2,404.00 | $8,122.00 | $19,925.00 |
| Senior year | $2,460.00 | $8,312.00 | $20,390.00 |
| Total 2-year net price | $4,864.00 | $16,434.00 | $40,315.00 |
| 10-year loan interest @ 6.8% | $1,853.00 | $6,261.00 | $15,359.00 |
| Total monthly payment | $56.00 | $189.00 | $464.00 |
| Total amount paid | $6,717.00 | $22,695.00 | $55,674.00 |
| 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 | $13,480.00 | $19,199.00 | $31,002.00 |
| Senior year | $14,446.00 | $20,574.00 | $33,223.00 |
| Total 4-year net price | $55,838.00 | $79,524.00 | $128,414.00 |
| 10-year loan interest @ 6.8% | $21,272.00 | $30,296.00 | $48,921.00 |
| Total monthly payment | $643.00 | $915.00 | $1,478.00 |
| Total amount paid | $77,110.00 | $109,820.00 | $177,336.00 |
| 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 | $13,480.00 | $19,199.00 | $31,002.00 |
| Senior year | $13,795.00 | $19,647.00 | $31,725.00 |
| Total 2-year net price | $27,275.00 | $38,845.00 | $62,727.00 |
| 10-year loan interest @ 6.8% | $10,391.00 | $14,799.00 | $23,897.00 |
| Total monthly payment | $314.00 | $447.00 | $722.00 |
| Total amount paid | $37,666.00 | $53,644.00 | $86,623.00 |
See the full net-price breakdown in the Net Price section.
The net price figure shows the cost after grants and scholarships are deducted. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $8,191.00 |
| Average net price (off-campus) | $7,168.00 |
The real cost varies by income because need-based aid scales with financial need. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $1,813.00 |
| $30,000 to $48,000 | $3,022.00 |
| $48,001 to $75,000 | $6,638.00 |
| $75,001 to $110,000 | $11,227.00 |
| Over $110,000 | $13,270.00 |
For a personalized estimate, try the Northern Kentucky University Net Price Calculator, or check with the financial aid office.
Want to know how that aid is awarded? See the financial aid breakdown.
Typical debt at graduation from Northern Kentucky University is $15,159.00, placing the school in the Low ($10-20k) debt-load classification.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $5,500.00 |
| Median (50th) | $15,159.00 |
| 75th | $27,000.00 |
| 90th | $38,749.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Dig deeper into debt on the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $16,012.00 |
| Middle income | $15,000.00 |
| High income | $15,000.00 |
Graduates from lower-income families carry $1,012.00 more debt than high-income graduates.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,444.00 |
| Continuing-generation students | $14,495.00 |
First-generation graduates of Northern Kentucky University leave with $949.00 in additional median debt versus continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Pell vs non-Pell comparisons surface how debt breaks down by need.
The Pell-versus-non-Pell median debt difference at Northern Kentucky University is $4,964.00. This school carries a federal Pell-debt-inequity flag.
The default-rate classification at Northern Kentucky University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.8% |
For context on the loan portfolio, Stafford disbursements at Northern Kentucky University reach $1,168,423,666.00 over 47,307 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 | 24 |
| Avg GI Bill amount | $6,925.00 |
| DoD Tuition Assistance recipients | 13 |
| Avg DoD Tuition Assistance | $2,768.00 |
For the full rundown of veteran and military benefits, see the veterans benefits detail.
The figures above are a starting point — as you weigh Northern Kentucky University, the questions below are worth your time:
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.