by our College Data Analytics TeamA lot of students will never be charged the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total price of attendance at State University of New York at Cortland can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
Just what financial aid solutions can SUNY Cortland provide, and just what are you going to be eligible for? Keep reading for answers. Scroll down to discover just how much financial aid could be open to you.
The amount of financial aid you can receive varies from person to person and will depend on your family’s economic situation. Use the information below to understand how much financial assistance you may get from State University of New York at Cortland.
Aid such as grants, loans, work-study, and scholarships helps colleges decrease the real cost of attendance for most students. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
For freshmen starting at State University of New York at Cortland, 87% of first-time, full-time freshmen received some form of financial aid some 1057 incoming students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 63% | $8,254 |
| Institutional grants & scholarships | 50% | $2,763 |
| Federal Pell grants | 25% | $5,243 |
| State/local grants | 39% | $4,593 |
| Federal student loans | 66% | $5,205 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. Across the undergraduate body at SUNY Cortland, approximately 58% of undergraduates were awarded an average grant or scholarship of $8,358 (for some 3440 undergraduates).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 58% | $8,358 |
| Federal Pell grants | 27% | $5,396 |
| Federal student loans | 61% | $6,275 |
For students living on campus and receiving title-IV aid, grants averaged $5,763.
Since aid is largely need-based, the real cost of attendance falls steeply for lower-income families.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $12,319 |
| $30,001 – $75,000 | $16,428 |
| Over $75,000 | $22,533 |
Remember these are net prices — what families pay after gift aid, not before.
The net price represents the average annual cost a title-IV-receiving student pays after grant aid is subtracted from the full cost of attendance.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $22,345 |
| Off-campus title-IV students | $19,951 |
For a customized cost estimate, visit SUNY Cortland’s net price calculator: www2.cortland.edu/cost-aid/financial-aid/net-price-calculator.dot.
The middle student in the debt distribution at SUNY Cortland owes $17,500 in federal student debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $17,500 |
| Median federal debt (graduates only) | $21,500 |
| Typical 10-year monthly payment (graduates) | $227.94/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
Looking only at the median can be misleading because it hides the spread. The percentiles below describe the cumulative federal debt distribution for borrowers at SUNY Cortland.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,750 |
| 25th percentile | $7,500 |
| 75th percentile | $26,613 |
| 90th percentile (highest-debt students) | $30,138 |
Median debt varies by family income, by first-generation status, and by dependency status.
Debt by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $18,250 |
| Middle income | $17,500 |
| High income | $17,250 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,972 |
| Continuing-generation students | $16,750 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,298 |
| Independent students | $19,631 |
The Department of Education computes summary indicators that describe debt outcomes at a glance. SUNY Cortland.
Most undergraduate borrowing runs through the federal Stafford loan program. The totals below capture Stafford lending at SUNY Cortland:
| Metric | Value |
|---|---|
| Stafford loan recipients | 28855 |
| Total Stafford loan amount | $485,254,048 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 21 |
| Total GI Bill amount | $123,248 |
| Average GI Bill amount per recipient | $5,869 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 0 |
| Total DoD amount | $0 |
References
More about our data sources and methodologies.