by our College Data Analytics TeamBelow is the data on what it actually costs to attend The University of Montana, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
Use the section links below to navigate this overview:
The total cost of attendance at The University of Montana varied between $23,744.00 through $48,863.00 across residency tiers.
Where you live mattered — in-state students paid less than out-of-state students: near $23,744.00 in-state compared with $48,863.00 out-of-state.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $8,552.00 |
| + Room, board & other expenses | $15,192.00 |
| Total cost | $23,744.00 |
| That is 23% above the national average net price. |
| Total cost | $23,744.00 |
| − Grants and scholarships | −$6,786.00 |
| Net price | $16,958.00 |
| That is 12% below the national average net price. |
| Total cost | $23,744.00 |
| − Grants and scholarships | −$9,610.00 |
| Net price | $14,134.00 |
| That is 27% below the national average net price. |
| Tuition and fees | $33,671.00 |
| + Room, board & other expenses | $15,192.00 |
| Total cost | $48,863.00 |
| That is 154% above the national average net price. |
| Total cost | $48,863.00 |
| − Grants and scholarships | −$6,786.00 |
| Net price | $42,077.00 |
| That is 119% above the national average net price. |
| Total cost | $48,863.00 |
| − Grants and scholarships | −$9,610.00 |
| Net price | $39,253.00 |
| That is 104% above the national average net price. | |
| Go deeper on the components with the tuition & fees page plus living costs. |
Cost of attendance here has been rising by around 5.8% annually, so the projections below total more than one year of attendance. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.8% | 5.8% | 5.8% |
| Freshman year | $14,947.00 | $17,933.00 | $25,110.00 |
| Senior year | $17,677.00 | $21,209.00 | $29,696.00 |
| Total 4-year net price | $65,146.00 | $78,163.00 | $109,441.00 |
| 10-year loan interest @ 6.8% | $24,818.00 | $29,777.00 | $41,693.00 |
| Total monthly payment | $750.00 | $900.00 | $1,259.00 |
| Total amount paid | $89,965.00 | $107,940.00 | $151,134.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.8% | 5.8% | 5.8% |
| Freshman year | $14,947.00 | $17,933.00 | $25,110.00 |
| Senior year | $15,807.00 | $18,965.00 | $26,554.00 |
| Total 2-year net price | $30,754.00 | $36,898.00 | $51,664.00 |
| 10-year loan interest @ 6.8% | $11,716.00 | $14,057.00 | $19,682.00 |
| Total monthly payment | $354.00 | $425.00 | $595.00 |
| Total amount paid | $42,470.00 | $50,955.00 | $71,345.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.8% | 5.8% | 5.8% |
| Freshman year | $41,511.00 | $44,497.00 | $51,673.00 |
| Senior year | $49,093.00 | $52,625.00 | $61,112.00 |
| Total 4-year net price | $180,925.00 | $193,941.00 | $225,219.00 |
| 10-year loan interest @ 6.8% | $68,926.00 | $73,885.00 | $85,800.00 |
| Total monthly payment | $2,082.00 | $2,232.00 | $2,592.00 |
| Total amount paid | $249,851.00 | $267,826.00 | $311,020.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.8% | 5.8% | 5.8% |
| Freshman year | $41,511.00 | $44,497.00 | $51,673.00 |
| Senior year | $43,898.00 | $47,056.00 | $54,645.00 |
| Total 2-year net price | $85,409.00 | $91,553.00 | $106,319.00 |
| 10-year loan interest @ 6.8% | $32,538.00 | $34,879.00 | $40,504.00 |
| Total monthly payment | $983.00 | $1,054.00 | $1,224.00 |
| Total amount paid | $117,947.00 | $126,432.00 | $146,822.00 |
See the full net-price breakdown in the net price section below.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $16,784.00 |
| Average net price (off-campus) | $17,118.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $14,521.00 |
| $30,000 to $48,000 | $15,563.00 |
| $48,001 to $75,000 | $17,795.00 |
| $75,001 to $110,000 | $18,911.00 |
| Over $110,000 | $20,648.00 |
Get a tailored estimate from the The University of Montana Net Price Calculator, or check with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
The median amount borrowed by graduates of The University of Montana amounts to $15,000.00, which federal data classifies as a Low ($10-20k) burden tier.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,250.00 |
| 25th | $5,500.00 |
| Median (50th) | $15,000.00 |
| 75th | $26,806.00 |
| 90th | $39,599.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Read the complete debt breakdown on the student-loan-debt breakdown.
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 | $16,355.00 |
| Middle income | $15,000.00 |
| High income | $13,000.00 |
Low-income borrowers graduate with $3,355.00 in extra median debt compared with high-income peers.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,500.00 |
| Continuing-generation students | $13,750.00 |
First-generation borrowers from The University of Montana carry $1,750.00 in extra median debt compared with continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Pell vs non-Pell comparisons surface how debt breaks down by need.
The gap between Pell-eligible and non-Pell median debt at The University of Montana amounts to $7,283.00. This institution is flagged by federal data for Pell-debt inequity.
The Department of Education default-rate tier for The University of Montana is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.3% |
For a sense of scale, Stafford disbursements at The University of Montana reach $947,772,035.00 across 41,198 loan recipients.
Veterans and current servicemembers may be eligible for major federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 272 |
| Avg GI Bill amount | $6,998.00 |
| DoD Tuition Assistance recipients | 6 |
| Avg DoD Tuition Assistance | $2,913.00 |
Explore GI Bill and military aid in detail on the veterans benefits detail.
The data above is a foundation; round it out by asking yourself about The University of Montana, consider the following:
Use the pages below to go deeper on a specific part of the cost story:
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.