by our College Data Analytics TeamThis guide covers the real cost of attending Shippensburg University of Pennsylvania, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
Use the links below to jump straight to any section on this page:
The full cost of attending Shippensburg University of Pennsylvania spanned $29,480.00 ranging to $31,734.00 depending on residency and living arrangement.
In-state residents qualified for the lower cost, with out-of-state students paying more: about $29,480.00 in-state, rising to $31,734.00 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 | $13,720.00 |
| + Room, board & other expenses | $15,760.00 |
| Total cost | $29,480.00 |
| That is 53% above the national average net price. |
| Total cost | $29,480.00 |
| − Grants and scholarships | −$7,059.00 |
| Net price | $22,421.00 |
| That is 16% above the national average net price. |
| Total cost | $29,480.00 |
| − Grants and scholarships | −$12,076.00 |
| Net price | $17,404.00 |
| That is 10% below the national average net price. |
| Tuition and fees | $15,974.00 |
| + Room, board & other expenses | $15,760.00 |
| Total cost | $31,734.00 |
| That is 65% above the national average net price. |
| Total cost | $31,734.00 |
| − Grants and scholarships | −$7,059.00 |
| Net price | $24,675.00 |
| That is 28% above the national average net price. |
| Total cost | $31,734.00 |
| − Grants and scholarships | −$12,076.00 |
| Net price | $19,658.00 |
| That is 2% above the national average net price. | |
| Go deeper on the components with tuition and fees and living costs. |
Published costs have climbed year over year at about 3.9% per year; the projections below compound that across a degree. 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 | 3.9% | 3.9% | 3.9% |
| Freshman year | $18,089.00 | $23,303.00 | $30,640.00 |
| Senior year | $20,310.00 | $26,164.00 | $34,402.00 |
| Total 4-year net price | $76,740.00 | $98,862.00 | $129,987.00 |
| 10-year loan interest @ 6.8% | $29,235.00 | $37,663.00 | $49,520.00 |
| Total monthly payment | $883.00 | $1,138.00 | $1,496.00 |
| Total amount paid | $105,975.00 | $136,525.00 | $179,508.00 |
| 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 | $18,089.00 | $23,303.00 | $30,640.00 |
| Senior year | $18,801.00 | $24,220.00 | $31,846.00 |
| Total 2-year net price | $36,890.00 | $47,524.00 | $62,486.00 |
| 10-year loan interest @ 6.8% | $14,054.00 | $18,105.00 | $23,805.00 |
| Total monthly payment | $425.00 | $547.00 | $719.00 |
| Total amount paid | $50,943.00 | $65,629.00 | $86,291.00 |
| 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 | $20,432.00 | $25,646.00 | $32,983.00 |
| Senior year | $22,940.00 | $28,795.00 | $37,032.00 |
| Total 4-year net price | $86,679.00 | $108,800.00 | $139,926.00 |
| 10-year loan interest @ 6.8% | $33,021.00 | $41,449.00 | $53,307.00 |
| Total monthly payment | $998.00 | $1,252.00 | $1,610.00 |
| Total amount paid | $119,700.00 | $150,249.00 | $193,233.00 |
| 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 | $20,432.00 | $25,646.00 | $32,983.00 |
| Senior year | $21,236.00 | $26,655.00 | $34,281.00 |
| Total 2-year net price | $41,667.00 | $52,301.00 | $67,264.00 |
| 10-year loan interest @ 6.8% | $15,874.00 | $19,925.00 | $25,625.00 |
| Total monthly payment | $480.00 | $602.00 | $774.00 |
| Total amount paid | $57,541.00 | $72,226.00 | $92,889.00 |
See the full net-price breakdown in the net price section below.
Net price reflects the true cost to attend after grant and scholarship aid is 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) | $23,726.00 |
| Average net price (off-campus) | $23,553.00 |
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 | $18,253.00 |
| $30,000 to $48,000 | $18,505.00 |
| $48,001 to $75,000 | $21,912.00 |
| $75,001 to $110,000 | $26,492.00 |
| Over $110,000 | $27,250.00 |
Estimate your specific net price using the school’s Shippensburg University of Pennsylvania Net Price Calculator, or visit the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
The typical debt load for borrowers leaving Shippensburg University of Pennsylvania is $16,192.00, which federal data classifies as a Low ($10-20k) debt-burden bucket.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,030.00 |
| 25th | $6,699.00 |
| Median (50th) | $16,192.00 |
| 75th | $27,000.00 |
| 90th | $31,000.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Explore borrowing, repayment, and default in detail on 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 | $14,250.00 |
| Middle income | $17,173.00 |
| High income | $17,500.00 |
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,652.00 |
| Continuing-generation students | $17,500.00 |
Pell Grants are the largest source of federal need-based aid for undergrads. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The median debt difference between Pell-eligible and non-Pell graduates of Shippensburg University of Pennsylvania works out to $543.00. This school carries a federal Pell-debt-inequity flag.
The default-rate classification at Shippensburg University of Pennsylvania is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.0% |
For a sense of scale, Stafford disbursements at Shippensburg University of Pennsylvania come to $444,705,011.00 across 25,191 disbursements.
Veterans and current servicemembers may be eligible for major federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 101 |
| Avg GI Bill amount | $9,331.00 |
| DoD Tuition Assistance recipients | 64 |
| Avg DoD Tuition Assistance | $2,802.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about Shippensburg University of Pennsylvania, keep these questions in mind:
Use the pages below to go deeper on a specific part of the cost story:
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.