by our College Data Analytics TeamThe majority of students are not billed the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The price tag of going to Empire State University can appear tremendous, but do not forget that almost all students obtain some kind of financial help.
What financial aid options can SUNY Empire offer you, and what will you qualify for? Keep reading for more information. Keep reading to see what amount of financial assistance could be accessible to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. The figures below will help you estimate the aid you might receive from Empire State University.
Through a mix of loans, grants, work-study and scholarships, schools bring down the effective cost so more students can attend. Some kinds of aid are clearly preferable to others, and outcomes differ across students.
For incoming first-year students at Empire State University, 93% of entering full-time freshmen got some type of financial assistance (about 88 students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 82% | $8,243 |
| Institutional grants & scholarships | 58% | $1,703 |
| Federal Pell grants | 68% | $5,832 |
| State/local grants | 49% | $3,607 |
| Federal student loans | 46% | $6,642 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. Across the undergraduate body at SUNY Empire, approximately 62% of undergraduates were awarded grant or scholarship aid averaging $6,143 (among about 4847 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 62% | $6,143 |
| Federal Pell grants | 37% | $5,699 |
| Federal student loans | 34% | $8,775 |
Among title-IV aid recipients living on campus, grant and scholarship aid averaged $8,023.
Need-based aid means lower-income families typically pay far less than the sticker price suggests.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $9,574 |
| $30,001 – $75,000 | $11,168 |
| Over $75,000 | $17,628 |
Each amount is the average cost remaining once grant aid is subtracted, by income band.
The net price strips out grant and scholarship aid from the sticker price to show roughly what families really pay.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $11,676 |
| Off-campus title-IV students | $11,147 |
For a personalized estimate based on your family’s financial situation, use SUNY Empire’s official net price calculator: www.sunyempire.edu/tuition-financial-aid/tuition-rates/net-price-calculator/.
A typical borrower at SUNY Empire leaves with $11,000 of cumulative federal debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $11,000 |
| Median federal debt (graduates only) | $18,730 |
| Typical 10-year monthly payment (graduates) | $198.57/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
The numbers below show the full range, not just the middle of the distribution. The figures below chart the debt distribution at SUNY Empire.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,250 |
| 75th percentile | $25,511 |
| 90th percentile (highest-debt students) | $37,500 |
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 | $10,371 |
| Middle income | $11,048 |
| High income | $12,000 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $11,084 |
| Continuing-generation students | $9,897 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $7,500 |
| Independent students | $12,237 |
A handful of calculated indicators summarize the debt outlook at SUNY Empire.
Most undergraduate borrowing runs through the federal Stafford loan program. The totals below capture Stafford lending at SUNY Empire:
| Metric | Value |
|---|---|
| Stafford loan recipients | 36869 |
| Total Stafford loan amount | $807,425,986 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 110 |
| Total GI Bill amount | $389,690 |
| Average GI Bill amount per recipient | $3,543 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 144 |
| Total DoD amount | $339,000 |
| Average DoD amount per recipient | $2,354 |
References
More about our data sources and methodologies.