by our College Data Analytics TeamThis overview lays out the cost of attending Stony Brook University, 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.
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The full cost of attending Stony Brook University varied between $29,174.00 ranging to $50,984.00 depending on residency and living arrangement.
In-state students paid the lower published figure, while out-of-state students faced the higher one: about $29,174.00 in-state versus $50,984.00 for non-residents.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $10,931.00 |
| + Room, board & other expenses | $18,243.00 |
| Total cost | $29,174.00 |
| That is 52% above the national average net price. |
| Total cost | $29,174.00 |
| − Grants and scholarships | −$11,755.00 |
| Net price | $17,419.00 |
| That is 10% below the national average net price. |
| Total cost | $29,174.00 |
| − Grants and scholarships | −$17,596.00 |
| Net price | $11,578.00 |
| That is 40% below the national average net price. |
| Tuition and fees | $32,741.00 |
| + Room, board & other expenses | $18,243.00 |
| Total cost | $50,984.00 |
| That is 165% above the national average net price. |
| Total cost | $50,984.00 |
| − Grants and scholarships | −$11,755.00 |
| Net price | $39,229.00 |
| That is 104% above the national average net price. |
| Total cost | $50,984.00 |
| − Grants and scholarships | −$17,596.00 |
| Net price | $33,388.00 |
| That is 73% above the national average net price. | |
| For the full breakdown, see tuition and fees plus living costs. |
Published costs have climbed year over year at about 4.9% per year; the projections below compound that across a degree. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. 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 | 4.9% | 4.9% | 4.9% |
| Freshman year | $12,150.00 | $18,279.00 | $30,615.00 |
| Senior year | $14,040.00 | $21,123.00 | $35,378.00 |
| Total 4-year net price | $52,319.00 | $78,713.00 | $131,831.00 |
| 10-year loan interest @ 6.8% | $19,932.00 | $29,987.00 | $50,223.00 |
| Total monthly payment | $602.00 | $906.00 | $1,517.00 |
| Total amount paid | $72,250.00 | $108,700.00 | $182,054.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.9% | 4.9% | 4.9% |
| Freshman year | $12,150.00 | $18,279.00 | $30,615.00 |
| Senior year | $12,750.00 | $19,182.00 | $32,126.00 |
| Total 2-year net price | $24,899.00 | $37,461.00 | $62,741.00 |
| 10-year loan interest @ 6.8% | $9,486.00 | $14,271.00 | $23,902.00 |
| Total monthly payment | $287.00 | $431.00 | $722.00 |
| Total amount paid | $34,385.00 | $51,732.00 | $86,643.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.9% | 4.9% | 4.9% |
| Freshman year | $35,037.00 | $41,166.00 | $53,502.00 |
| Senior year | $40,488.00 | $47,571.00 | $61,825.00 |
| Total 4-year net price | $150,874.00 | $177,268.00 | $230,386.00 |
| 10-year loan interest @ 6.8% | $57,477.00 | $67,533.00 | $87,769.00 |
| Total monthly payment | $1,736.00 | $2,040.00 | $2,651.00 |
| Total amount paid | $208,351.00 | $244,801.00 | $318,155.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.9% | 4.9% | 4.9% |
| Freshman year | $35,037.00 | $41,166.00 | $53,502.00 |
| Senior year | $36,767.00 | $43,199.00 | $56,144.00 |
| Total 2-year net price | $71,804.00 | $84,365.00 | $109,645.00 |
| 10-year loan interest @ 6.8% | $27,355.00 | $32,140.00 | $41,771.00 |
| Total monthly payment | $826.00 | $971.00 | $1,262.00 |
| Total amount paid | $99,158.00 | $116,505.00 | $151,416.00 |
Jump to the net-price detail in the net price section below.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $18,784.00 |
| Average net price (off-campus) | $18,430.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $12,744.00 |
| $30,000 to $48,000 | $15,813.00 |
| $48,001 to $75,000 | $21,446.00 |
| $75,001 to $110,000 | $24,158.00 |
| Over $110,000 | $26,994.00 |
Get a tailored estimate from the Stony Brook University Net Price Calculator, or reach out to the financial aid office.
Want to know how that aid is awarded? See the financial aid breakdown.
Median graduate debt at Stony Brook University works out to $15,000.00, which the Department of Education classifies as a Low ($10-20k) burden tier.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,366.00 |
| 25th | $7,500.00 |
| Median (50th) | $15,000.00 |
| 75th | $25,000.00 |
| 90th | $30,805.00 |
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 detail.
Debt at graduation is far from uniform across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,500.00 |
| Middle income | $15,000.00 |
| High income | $15,000.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $14,975.00 |
| Continuing-generation students | $15,000.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The gap between Pell-eligible and non-Pell median debt at Stony Brook University comes to $1,250.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The Department of Education default-rate tier for Stony Brook University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.2% |
To put the rates in context, Stafford loans at Stony Brook University total $1,377,287,000.00 over 55,063 student borrowers.
Veterans and active-duty students can access dedicated federal education aid including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 115 |
| Avg GI Bill amount | $9,621.00 |
| DoD Tuition Assistance recipients | 15 |
| Avg DoD Tuition Assistance | $2,205.00 |
Read more about military and veteran aid on the college veterans page.
The figures above are a starting point — as you weigh Stony Brook University, consider the following:
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.