by our College Data Analytics TeamThis guide covers the real cost of attending Stephen F Austin State University, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
If you want to dig into a particular figure, jump to any section below:
Published attendance costs at Stephen F Austin State University varied between $24,231.00 and up to $36,529.00 across residency tiers.
In-state students paid the lower published figure, while out-of-state students faced the higher one: near $24,231.00 in-state compared with $36,529.00 for those paying out-of-state rates.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $11,128.00 |
| + Room, board & other expenses | $13,103.00 |
| Total cost | $24,231.00 |
| That is 26% above the national average net price. |
| Total cost | $24,231.00 |
| − Grants and scholarships | −$11,531.00 |
| Net price | $12,700.00 |
| That is 34% below the national average net price. |
| Total cost | $24,231.00 |
| − Grants and scholarships | −$15,473.00 |
| Net price | $8,758.00 |
| That is 55% below the national average net price. |
| Tuition and fees | $23,426.00 |
| + Room, board & other expenses | $13,103.00 |
| Total cost | $36,529.00 |
| That is 90% above the national average net price. |
| Total cost | $36,529.00 |
| − Grants and scholarships | −$11,531.00 |
| Net price | $24,998.00 |
| That is 30% above the national average net price. |
| Total cost | $36,529.00 |
| − Grants and scholarships | −$15,473.00 |
| Net price | $21,056.00 |
| That is 9% above the national average net price. | |
| Go deeper on the components with the tuition & fees page and room and board. |
Costs have trended upward in recent years by around 3.0% annually, so the projections below total more than one year of attendance. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $9,019.00 | $13,079.00 | $24,954.00 |
| Senior year | $9,851.00 | $14,284.00 | $27,254.00 |
| Total 4-year net price | $37,723.00 | $54,703.00 | $104,370.00 |
| 10-year loan interest @ 6.8% | $14,371.00 | $20,840.00 | $39,761.00 |
| Total monthly payment | $434.00 | $630.00 | $1,201.00 |
| Total amount paid | $52,095.00 | $75,543.00 | $144,132.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $9,019.00 | $13,079.00 | $24,954.00 |
| Senior year | $9,288.00 | $13,469.00 | $25,698.00 |
| Total 2-year net price | $18,307.00 | $26,548.00 | $50,652.00 |
| 10-year loan interest @ 6.8% | $6,974.00 | $10,114.00 | $19,297.00 |
| Total monthly payment | $211.00 | $306.00 | $583.00 |
| Total amount paid | $25,282.00 | $36,661.00 | $69,948.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $21,684.00 | $25,744.00 | $37,619.00 |
| Senior year | $23,683.00 | $28,117.00 | $41,086.00 |
| Total 4-year net price | $90,695.00 | $107,674.00 | $157,342.00 |
| 10-year loan interest @ 6.8% | $34,551.00 | $41,020.00 | $59,942.00 |
| Total monthly payment | $1,044.00 | $1,239.00 | $1,811.00 |
| Total amount paid | $125,246.00 | $148,694.00 | $217,283.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $21,684.00 | $25,744.00 | $37,619.00 |
| Senior year | $22,331.00 | $26,512.00 | $38,741.00 |
| Total 2-year net price | $44,015.00 | $52,255.00 | $76,359.00 |
| 10-year loan interest @ 6.8% | $16,768.00 | $19,907.00 | $29,090.00 |
| Total monthly payment | $507.00 | $601.00 | $879.00 |
| Total amount paid | $60,783.00 | $72,162.00 | $105,449.00 |
Jump to the net-price detail in the net-price section.
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) | $14,260.00 |
| Average net price (off-campus) | $15,152.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $11,426.00 |
| $30,000 to $48,000 | $11,174.00 |
| $48,001 to $75,000 | $14,068.00 |
| $75,001 to $110,000 | $18,985.00 |
| Over $110,000 | $21,940.00 |
Estimate your specific net price using the school’s Stephen F Austin State University 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 Stephen F Austin State University amounts to $17,750.00, which federal data classifies as a Low ($10-20k) debt-load classification.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,158.00 |
| 25th | $6,682.00 |
| Median (50th) | $17,750.00 |
| 75th | $28,500.00 |
| 90th | $40,500.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Explore borrowing, repayment, and default in detail on the student loan debt page.
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 | $18,315.00 |
| Middle income | $17,500.00 |
| High income | $17,750.00 |
Low-income borrowers graduate with $565.00 more debt than their high-income peers.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $17,979.00 |
| Continuing-generation students | $17,495.00 |
First-generation graduates from Stephen F Austin State University carry $484.00 in extra median debt compared with 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 median debt difference between Pell-eligible and non-Pell graduates of Stephen F Austin State University comes to $4,000.00. Federal data flags this school for Pell-related debt inequity.
The default-rate classification at Stephen F Austin State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 9.2% |
To put the rates in context, Stafford loans at Stephen F Austin State University amount to $1,037,775,655.00 covering 46,677 loan recipients.
Veteran and active-military students often access dedicated federal aid programs such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 117 |
| Avg GI Bill amount | $7,871.00 |
| DoD Tuition Assistance recipients | 20 |
| Avg DoD Tuition Assistance | $4,013.00 |
Dig into veteran education benefits on the college veterans page.
Use the figures above as a launch point, then think through Stephen F Austin State University, a few questions are worth asking:
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.