by our College Data Analytics TeamThis guide covers the real cost of attending State University of New York at Cortland, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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Attendance costs at State University of New York at Cortland spanned $26,413.00 and $36,323.00 based on in-state versus out-of-state status.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: roughly $26,413.00 in-state against $36,323.00 out-of-state.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $8,874.00 |
| + Room, board & other expenses | $17,539.00 |
| Total cost | $26,413.00 |
| That is 37% above the national average net price. |
| Total cost | $26,413.00 |
| − Grants and scholarships | −$5,763.00 |
| Net price | $20,650.00 |
| That is 7% above the national average net price. |
| Total cost | $26,413.00 |
| − Grants and scholarships | −$15,558.00 |
| Net price | $10,855.00 |
| That is 44% below the national average net price. |
| Tuition and fees | $18,784.00 |
| + Room, board & other expenses | $17,539.00 |
| Total cost | $36,323.00 |
| That is 89% above the national average net price. |
| Total cost | $36,323.00 |
| − Grants and scholarships | −$5,763.00 |
| Net price | $30,560.00 |
| That is 59% above the national average net price. |
| Total cost | $36,323.00 |
| − Grants and scholarships | −$15,558.00 |
| Net price | $20,765.00 |
| That is 8% above the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page plus living costs. |
Published costs have climbed year over year at about 0.1% per year, so the four-year total runs well above today’s cost. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.1% | 0.1% | 0.1% |
| Freshman year | $10,866.00 | $20,672.00 | $26,441.00 |
| Senior year | $10,901.00 | $20,737.00 | $26,524.00 |
| Total 4-year net price | $43,534.00 | $82,817.00 | $105,930.00 |
| 10-year loan interest @ 6.8% | $16,585.00 | $31,550.00 | $40,355.00 |
| Total monthly payment | $501.00 | $953.00 | $1,219.00 |
| Total amount paid | $60,119.00 | $114,367.00 | $146,285.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.1% | 0.1% | 0.1% |
| Freshman year | $10,866.00 | $20,672.00 | $26,441.00 |
| Senior year | $10,878.00 | $20,693.00 | $26,469.00 |
| Total 2-year net price | $21,744.00 | $41,365.00 | $52,909.00 |
| 10-year loan interest @ 6.8% | $8,284.00 | $15,759.00 | $20,157.00 |
| Total monthly payment | $250.00 | $476.00 | $609.00 |
| Total amount paid | $30,028.00 | $57,124.00 | $73,066.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.1% | 0.1% | 0.1% |
| Freshman year | $20,787.00 | $30,592.00 | $36,361.00 |
| Senior year | $20,852.00 | $30,689.00 | $36,476.00 |
| Total 4-year net price | $83,278.00 | $122,561.00 | $145,674.00 |
| 10-year loan interest @ 6.8% | $31,726.00 | $46,691.00 | $55,497.00 |
| Total monthly payment | $958.00 | $1,410.00 | $1,676.00 |
| Total amount paid | $115,004.00 | $169,253.00 | $201,170.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.1% | 0.1% | 0.1% |
| Freshman year | $20,787.00 | $30,592.00 | $36,361.00 |
| Senior year | $20,809.00 | $30,624.00 | $36,399.00 |
| Total 2-year net price | $41,595.00 | $61,216.00 | $72,760.00 |
| 10-year loan interest @ 6.8% | $15,846.00 | $23,321.00 | $27,719.00 |
| Total monthly payment | $479.00 | $704.00 | $837.00 |
| Total amount paid | $57,442.00 | $84,538.00 | $100,480.00 |
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 prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $22,345.00 |
| Average net price (off-campus) | $19,951.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $11,272.00 |
| $30,000 to $48,000 | $13,846.00 |
| $48,001 to $75,000 | $18,050.00 |
| $75,001 to $110,000 | $19,602.00 |
| Over $110,000 | $23,422.00 |
Estimate your specific net price using the school’s State University of New York at Cortland Net Price Calculator, or visit the financial aid office.
Want to know how that aid is awarded? See the financial aid breakdown.
Typical debt at graduation from State University of New York at Cortland works out to $17,500.00, placing the school in the Low ($10-20k) debt-load classification.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,750.00 |
| 25th | $7,500.00 |
| Median (50th) | $17,500.00 |
| 75th | $26,613.00 |
| 90th | $30,138.00 |
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.
Student debt at graduation is not evenly distributed across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $18,250.00 |
| Middle income | $17,500.00 |
| High income | $17,250.00 |
Graduates from lower-income families carry $1,000.00 in extra median debt compared with high-income peers.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $17,972.00 |
| Continuing-generation students | $16,750.00 |
First-gen students at State University of New York at Cortland leave with $1,222.00 in extra median debt compared with continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The Pell vs non-Pell debt gap at State University of New York at Cortland works out to $3,000.00. This school carries a federal Pell-debt-inequity flag.
The default-rate classification at State University of New York at Cortland is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 2.2% |
For a sense of scale, Stafford disbursements at State University of New York at Cortland reach $485,254,048.00 across 28,855 loan recipients.
Veteran and active-military students often access dedicated federal aid programs including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 21 |
| Avg GI Bill amount | $5,869.00 |
Read more about military and veteran aid on the veterans benefits detail.
Numbers only tell part of the story. As you weigh State University of New York at Cortland, a few questions are worth asking:
Dig further into the cost picture with the related pages 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.