by our College Data Analytics TeamHere is what you can expect to pay at University at Albany, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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The full cost of attending University at Albany ranged from $28,490.00 through $48,880.00 depending on residency and living arrangement.
Where you live mattered — in-state students paid less than out-of-state students: about $28,490.00 for in-state students versus $48,880.00 out of state.
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 | $10,866.00 |
| + Room, board & other expenses | $17,624.00 |
| Total cost | $28,490.00 |
| That is 48% above the national average net price. |
| Total cost | $28,490.00 |
| − Grants and scholarships | −$11,635.00 |
| Net price | $16,855.00 |
| That is 12% below the national average net price. |
| Total cost | $28,490.00 |
| − Grants and scholarships | −$17,690.00 |
| Net price | $10,800.00 |
| That is 44% below the national average net price. |
| Tuition and fees | $31,256.00 |
| + Room, board & other expenses | $17,624.00 |
| Total cost | $48,880.00 |
| That is 154% above the national average net price. |
| Total cost | $48,880.00 |
| − Grants and scholarships | −$11,635.00 |
| Net price | $37,245.00 |
| That is 93% above the national average net price. |
| Total cost | $48,880.00 |
| − Grants and scholarships | −$17,690.00 |
| Net price | $31,190.00 |
| That is 62% above the national average net price. | |
| Go deeper on the components with the tuition & fees page and living costs. |
Costs have trended upward in recent years by roughly 3.5% annually, so the projections below total more than one year of attendance. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 3.5% | 3.5% | 3.5% |
| Freshman year | $11,176.00 | $17,442.00 | $29,482.00 |
| Senior year | $12,384.00 | $19,327.00 | $32,668.00 |
| Total 4-year net price | $47,092.00 | $73,494.00 | $124,227.00 |
| 10-year loan interest @ 6.8% | $17,940.00 | $27,999.00 | $47,326.00 |
| Total monthly payment | $542.00 | $846.00 | $1,430.00 |
| Total amount paid | $65,033.00 | $101,493.00 | $171,554.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $11,176.00 | $17,442.00 | $29,482.00 |
| Senior year | $11,565.00 | $18,049.00 | $30,508.00 |
| Total 2-year net price | $22,741.00 | $35,490.00 | $59,989.00 |
| 10-year loan interest @ 6.8% | $8,663.00 | $13,521.00 | $22,854.00 |
| Total monthly payment | $262.00 | $408.00 | $690.00 |
| Total amount paid | $31,404.00 | $49,011.00 | $82,843.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $32,276.00 | $38,541.00 | $50,581.00 |
| Senior year | $35,764.00 | $42,707.00 | $56,049.00 |
| Total 4-year net price | $136,000.00 | $162,403.00 | $213,136.00 |
| 10-year loan interest @ 6.8% | $51,811.00 | $61,870.00 | $81,197.00 |
| Total monthly payment | $1,565.00 | $1,869.00 | $2,453.00 |
| Total amount paid | $187,812.00 | $224,272.00 | $294,333.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $32,276.00 | $38,541.00 | $50,581.00 |
| Senior year | $33,399.00 | $39,883.00 | $52,342.00 |
| Total 2-year net price | $65,675.00 | $78,424.00 | $102,923.00 |
| 10-year loan interest @ 6.8% | $25,020.00 | $29,877.00 | $39,210.00 |
| Total monthly payment | $756.00 | $903.00 | $1,184.00 |
| Total amount paid | $90,694.00 | $108,301.00 | $142,133.00 |
Read more in the Net Price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. 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) | $17,167.00 |
| Average net price (off-campus) | $18,486.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $13,066.00 |
| $30,000 to $48,000 | $15,895.00 |
| $48,001 to $75,000 | $19,850.00 |
| $75,001 to $110,000 | $20,811.00 |
| Over $110,000 | $25,009.00 |
Use University at Albany Net Price Calculator, or visit the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
Median graduate debt at University at Albany works out to $15,059.00, placing the school in the Low ($10-20k) debt-burden category.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $7,500.00 |
| Median (50th) | $15,059.00 |
| 75th | $25,360.00 |
| 90th | $30,747.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student loan debt detail.
Debt at graduation is far from uniform across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $16,530.00 |
| Middle income | $15,000.00 |
| High income | $15,000.00 |
Borrowers from lower-income families leave school with $1,530.00 more debt than high-income graduates.
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,416.00 |
| Continuing-generation students | $15,000.00 |
First-generation graduates of University at Albany carry $416.00 more debt than continuing-generation students.
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Pell vs non-Pell comparisons surface how debt breaks down by need.
The gap between Pell-eligible and non-Pell median debt at University at Albany works out to $2,410.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate tier for University at Albany is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.7% |
To put the rates in context, Stafford loans at University at Albany amount to $1,130,897,391.00 spread across 57,022 recipients.
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 | 126 |
| Avg GI Bill amount | $7,777.00 |
| DoD Tuition Assistance recipients | 5 |
| Avg DoD Tuition Assistance | $2,409.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
Numbers only tell part of the story. As you weigh University at Albany, keep these questions in mind:
For a closer look at any of these topics, follow the links 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.