by our College Data Analytics TeamBelow is the data on what it actually costs to attend Ramapo College of New Jersey, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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Attendance costs at Ramapo College of New Jersey spanned $30,176.00 through $41,107.00 depending on whether you qualify for in-state rates.
Where you live mattered — in-state students paid less than out-of-state students: about $30,176.00 in-state versus $41,107.00 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 | $16,777.00 |
| + Room, board & other expenses | $13,399.00 |
| Total cost | $30,176.00 |
| That is 57% above the national average net price. |
| Total cost | $30,176.00 |
| − Grants and scholarships | −$11,310.00 |
| Net price | $18,866.00 |
| That is 2% below the national average net price. |
| Total cost | $30,176.00 |
| − Grants and scholarships | −$20,475.00 |
| Net price | $9,701.00 |
| That is 50% below the national average net price. |
| Tuition and fees | $27,708.00 |
| + Room, board & other expenses | $13,399.00 |
| Total cost | $41,107.00 |
| That is 114% above the national average net price. |
| Total cost | $41,107.00 |
| − Grants and scholarships | −$11,310.00 |
| Net price | $29,797.00 |
| That is 55% above the national average net price. |
| Total cost | $41,107.00 |
| − Grants and scholarships | −$20,475.00 |
| Net price | $20,632.00 |
| That is 7% above the national average net price. | |
| For the full breakdown, see the tuition & fees page and living costs. |
Published costs have climbed year over year by around 3.9% per year; the projections below compound that across a degree. These tables carry the cost across a degree for three cases: low-income w/ 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 | 3.9% | 3.9% | 3.9% |
| Freshman year | $10,081.00 | $19,605.00 | $31,358.00 |
| Senior year | $11,312.00 | $21,999.00 | $35,188.00 |
| Total 4-year net price | $42,755.00 | $83,147.00 | $132,993.00 |
| 10-year loan interest @ 6.8% | $16,288.00 | $31,676.00 | $50,666.00 |
| Total monthly payment | $492.00 | $957.00 | $1,530.00 |
| Total amount paid | $59,043.00 | $114,823.00 | $183,658.00 |
| 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 | $10,081.00 | $19,605.00 | $31,358.00 |
| Senior year | $10,476.00 | $20,373.00 | $32,586.00 |
| Total 2-year net price | $20,557.00 | $39,977.00 | $63,943.00 |
| 10-year loan interest @ 6.8% | $7,831.00 | $15,230.00 | $24,360.00 |
| Total monthly payment | $237.00 | $460.00 | $736.00 |
| Total amount paid | $28,388.00 | $55,207.00 | $88,304.00 |
| 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 | $21,440.00 | $30,964.00 | $42,717.00 |
| Senior year | $24,059.00 | $34,746.00 | $47,934.00 |
| Total 4-year net price | $90,930.00 | $131,323.00 | $181,168.00 |
| 10-year loan interest @ 6.8% | $34,641.00 | $50,029.00 | $69,019.00 |
| Total monthly payment | $1,046.00 | $1,511.00 | $2,085.00 |
| Total amount paid | $125,571.00 | $181,352.00 | $250,187.00 |
| 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 | $21,440.00 | $30,964.00 | $42,717.00 |
| Senior year | $22,280.00 | $32,176.00 | $44,390.00 |
| Total 2-year net price | $43,720.00 | $63,140.00 | $87,106.00 |
| 10-year loan interest @ 6.8% | $16,656.00 | $24,054.00 | $33,184.00 |
| Total monthly payment | $503.00 | $727.00 | $1,002.00 |
| Total amount paid | $60,375.00 | $87,194.00 | $120,291.00 |
For the complete net-price picture, see the Net Price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $18,173.00 |
| Average net price (off-campus) | $20,360.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,142.00 |
| $30,000 to $48,000 | $12,761.00 |
| $48,001 to $75,000 | $18,536.00 |
| $75,001 to $110,000 | $25,667.00 |
| Over $110,000 | $26,671.00 |
Estimate your specific net price using the school’s Ramapo College of New Jersey Net Price Calculator, or get in touch with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
Typical debt at graduation from Ramapo College of New Jersey is $15,000.00, landing it in the Low ($10-20k) burden category.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $5,250.00 |
| 25th | $9,012.00 |
| Median (50th) | $15,000.00 |
| 75th | $27,000.00 |
| 90th | $30,750.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Read the complete debt breakdown on the student loan debt page.
Student debt at graduation is not evenly distributed across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $16,471.00 |
| Middle income | $14,500.00 |
| High income | $14,750.00 |
On average, low-income graduates leave with $1,721.00 more debt than high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,250.00 |
| Continuing-generation students | $14,000.00 |
First-gen students at Ramapo College of New Jersey hold $1,250.00 in extra median debt compared with continuing-generation peers.
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 Pell vs non-Pell debt gap at Ramapo College of New Jersey works out to $2,399.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate tier for Ramapo College of New Jersey is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.6% |
To give some context for these rates, Stafford loans disbursed at Ramapo College of New Jersey amount to $280,631,786.00 covering 16,330 borrowers.
Veterans and current servicemembers may be eligible for major federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 54 |
| Avg GI Bill amount | $12,743.00 |
Dig into veteran education benefits on the veterans benefits detail.
Use the figures above as a launch point, then think through Ramapo College of New Jersey, keep these questions in mind:
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.