by our College Data Analytics TeamThis guide covers the real cost of attending Binghamton University, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
If you want to dig into a particular figure, jump to any section below:
Attendance costs at Binghamton University spanned $29,657.00 through $49,537.00 depending on whether you qualify for in-state rates.
In-state residents qualified for the lower cost, with out-of-state students paying more: about $29,657.00 in-state against $49,537.00 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 | $10,567.00 |
| + Room, board & other expenses | $19,090.00 |
| Total cost | $29,657.00 |
| That is 54% above the national average net price. |
| Total cost | $29,657.00 |
| − Grants and scholarships | −$8,725.00 |
| Net price | $20,932.00 |
| That is 9% above the national average net price. |
| Total cost | $29,657.00 |
| − Grants and scholarships | −$18,174.00 |
| Net price | $11,483.00 |
| That is 40% below the national average net price. |
| Tuition and fees | $30,447.00 |
| + Room, board & other expenses | $19,090.00 |
| Total cost | $49,537.00 |
| That is 157% above the national average net price. |
| Total cost | $49,537.00 |
| − Grants and scholarships | −$8,725.00 |
| Net price | $40,812.00 |
| That is 112% above the national average net price. |
| Total cost | $49,537.00 |
| − Grants and scholarships | −$18,174.00 |
| Net price | $31,363.00 |
| That is 63% above the national average net price. | |
| Explore each piece on the tuition & fees page plus living costs. |
Published costs have climbed year over year by around 4.9% 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 | 4.9% | 4.9% | 4.9% |
| Freshman year | $12,040.00 | $21,948.00 | $31,096.00 |
| Senior year | $13,879.00 | $25,300.00 | $35,845.00 |
| Total 4-year net price | $51,780.00 | $94,389.00 | $133,733.00 |
| 10-year loan interest @ 6.8% | $19,726.00 | $35,959.00 | $50,947.00 |
| Total monthly payment | $596.00 | $1,086.00 | $1,539.00 |
| Total amount paid | $71,507.00 | $130,348.00 | $184,680.00 |
| 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 | $12,040.00 | $21,948.00 | $31,096.00 |
| Senior year | $12,624.00 | $23,012.00 | $32,605.00 |
| Total 2-year net price | $24,664.00 | $44,960.00 | $63,701.00 |
| 10-year loan interest @ 6.8% | $9,396.00 | $17,128.00 | $24,268.00 |
| Total monthly payment | $284.00 | $517.00 | $733.00 |
| Total amount paid | $34,061.00 | $62,088.00 | $87,968.00 |
| 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 | $32,885.00 | $42,792.00 | $51,940.00 |
| Senior year | $37,907.00 | $49,328.00 | $59,874.00 |
| Total 4-year net price | $141,425.00 | $184,034.00 | $223,378.00 |
| 10-year loan interest @ 6.8% | $53,878.00 | $70,110.00 | $85,099.00 |
| Total monthly payment | $1,628.00 | $2,118.00 | $2,571.00 |
| Total amount paid | $195,303.00 | $254,144.00 | $308,476.00 |
| 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 | $32,885.00 | $42,792.00 | $51,940.00 |
| Senior year | $34,480.00 | $44,868.00 | $54,461.00 |
| Total 2-year net price | $67,365.00 | $87,661.00 | $106,401.00 |
| 10-year loan interest @ 6.8% | $25,664.00 | $33,396.00 | $40,535.00 |
| Total monthly payment | $775.00 | $1,009.00 | $1,224.00 |
| Total amount paid | $93,029.00 | $121,056.00 | $146,936.00 |
Read more in the Net Price section.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. 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) | $21,620.00 |
| Average net price (off-campus) | $21,364.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $12,916.00 |
| $30,000 to $48,000 | $16,168.00 |
| $48,001 to $75,000 | $21,832.00 |
| $75,001 to $110,000 | $23,279.00 |
| Over $110,000 | $28,008.00 |
For a personalized estimate, try the Binghamton University Net Price Calculator, or get in touch with the financial aid office.
Want to know how that aid is awarded? See the financial aid breakdown.
The typical debt load for borrowers leaving Binghamton University amounts to $15,000.00, placing the school in the Low ($10-20k) burden tier.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $5,001.00 |
| 25th | $8,250.00 |
| Median (50th) | $15,000.00 |
| 75th | $25,600.00 |
| 90th | $29,558.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Dig deeper into debt on the student loan debt page.
Debt outcomes vary substantially with family income. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,005.00 |
| Middle income | $15,750.00 |
| High income | $15,000.00 |
Borrowers from lower-income families leave school with $5.00 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 | $15,500.00 |
| Continuing-generation students | $15,000.00 |
First-gen borrowers at Binghamton University take on $500.00 more median debt than continuing-generation peers.
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The Pell vs non-Pell debt gap at Binghamton University comes to $2,279.00. This institution is flagged by federal data for Pell-debt inequity.
The default-rate classification at Binghamton University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 2.8% |
For a sense of scale, Stafford disbursements at Binghamton University reach $778,947,169.00 across 38,975 recipients.
Numbers only tell part of the story. As you weigh Binghamton University, 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.
