by our College Data Analytics TeamBelow is the data on what it actually costs to attend State University of New York at New Paltz, 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.
If you want to dig into a particular figure, jump to any section below:
The full cost of attending State U of New York at New Paltz fell between $27,034.00 through $37,284.00 based on in-state versus out-of-state status.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: about $27,034.00 in-state versus $37,284.00 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 | $8,572.00 |
| + Room, board & other expenses | $18,462.00 |
| Total cost | $27,034.00 |
| That is 40% above the national average net price. |
| Total cost | $27,034.00 |
| − Grants and scholarships | −$9,619.00 |
| Net price | $17,415.00 |
| That is 10% below the national average net price. |
| Total cost | $27,034.00 |
| − Grants and scholarships | −$17,887.00 |
| Net price | $9,147.00 |
| That is 52% below the national average net price. |
| Tuition and fees | $18,822.00 |
| + Room, board & other expenses | $18,462.00 |
| Total cost | $37,284.00 |
| That is 94% above the national average net price. |
| Total cost | $37,284.00 |
| − Grants and scholarships | −$9,619.00 |
| Net price | $27,665.00 |
| That is 44% above the national average net price. |
| Total cost | $37,284.00 |
| − Grants and scholarships | −$17,887.00 |
| Net price | $19,397.00 |
| That is roughly at the national average net price. | |
| Explore each piece on tuition and fees plus living costs. |
Cost of attendance here has been rising at a recent average of 0.7% per year; the projections below compound that across a degree. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 0.7% | 0.7% | 0.7% |
| Freshman year | $9,211.00 | $17,537.00 | $27,224.00 |
| Senior year | $9,407.00 | $17,910.00 | $27,803.00 |
| Total 4-year net price | $37,236.00 | $70,894.00 | $110,051.00 |
| 10-year loan interest @ 6.8% | $14,186.00 | $27,008.00 | $41,925.00 |
| Total monthly payment | $429.00 | $816.00 | $1,266.00 |
| Total amount paid | $51,422.00 | $97,902.00 | $151,976.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.7% | 0.7% | 0.7% |
| Freshman year | $9,211.00 | $17,537.00 | $27,224.00 |
| Senior year | $9,276.00 | $17,661.00 | $27,416.00 |
| Total 2-year net price | $18,487.00 | $35,198.00 | $54,640.00 |
| 10-year loan interest @ 6.8% | $7,043.00 | $13,409.00 | $20,816.00 |
| Total monthly payment | $213.00 | $405.00 | $629.00 |
| Total amount paid | $25,531.00 | $48,608.00 | $75,456.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.7% | 0.7% | 0.7% |
| Freshman year | $19,533.00 | $27,860.00 | $37,546.00 |
| Senior year | $19,949.00 | $28,452.00 | $38,344.00 |
| Total 4-year net price | $78,962.00 | $112,620.00 | $151,777.00 |
| 10-year loan interest @ 6.8% | $30,082.00 | $42,904.00 | $57,822.00 |
| Total monthly payment | $909.00 | $1,296.00 | $1,747.00 |
| Total amount paid | $109,044.00 | $155,524.00 | $209,599.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.7% | 0.7% | 0.7% |
| Freshman year | $19,533.00 | $27,860.00 | $37,546.00 |
| Senior year | $19,671.00 | $28,056.00 | $37,810.00 |
| Total 2-year net price | $39,204.00 | $55,915.00 | $75,357.00 |
| 10-year loan interest @ 6.8% | $14,935.00 | $21,302.00 | $28,708.00 |
| Total monthly payment | $451.00 | $643.00 | $867.00 |
| Total amount paid | $54,140.00 | $77,217.00 | $104,065.00 |
See the full net-price breakdown in the net price section below.
The net price figure shows the cost after grants and scholarships are deducted. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $18,809.00 |
| Average net price (off-campus) | $18,481.00 |
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 | $11,330.00 |
| $30,000 to $48,000 | $14,284.00 |
| $48,001 to $75,000 | $19,631.00 |
| $75,001 to $110,000 | $20,787.00 |
| Over $110,000 | $25,074.00 |
Run your own numbers with the State University of New York at New Paltz Net Price Calculator, or check with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
Median graduate debt at State U of New York at New Paltz is $15,000.00, placing the school in the Low ($10-20k) burden tier.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $7,500.00 |
| Median (50th) | $15,000.00 |
| 75th | $24,282.00 |
| 90th | $29,800.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Explore borrowing, repayment, and default in detail on the student loan debt page.
Debt outcomes vary substantially with family income. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $16,250.00 |
| Middle income | $15,000.00 |
| High income | $15,000.00 |
Graduates from lower-income families carry $1,250.00 in additional median debt versus 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 | $15,500.00 |
| Continuing-generation students | $15,000.00 |
First-generation graduates from State U of New York at New Paltz leave with $500.00 more median debt than continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The gap between Pell-eligible and non-Pell median debt at State U of New York at New Paltz works out to $2,490.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The federal default-rate classification for State U of New York at New Paltz is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 3.8% |
For scale, federal Stafford loan disbursements at State U of New York at New Paltz reach $420,011,678.00 across 23,693 student borrowers.
Veterans and current servicemembers may be eligible for major federal education benefits like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 38 |
| Avg GI Bill amount | $6,182.00 |
| DoD Tuition Assistance recipients | 2 |
| Avg DoD Tuition Assistance | $875.00 |
Dig into veteran education benefits on the veteran aid breakdown.
Use the figures above as a launch point, then think through State U of New York at New Paltz, the questions below are worth your time:
Explore the related pages below for a deeper look at the cost picture:
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.