by our College Data Analytics TeamBelow is the data on what it actually costs to attend Towson University, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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The full cost of attending Towson University spanned $26,621.00 ranging to $44,713.00 across residency tiers.
In-state students paid the lower published figure, while out-of-state students faced the higher one: close to $26,621.00 in-state versus $44,713.00 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 | $11,728.00 |
| + Room, board & other expenses | $14,893.00 |
| Total cost | $26,621.00 |
| That is 38% above the national average net price. |
| Total cost | $26,621.00 |
| − Grants and scholarships | −$11,122.00 |
| Net price | $15,499.00 |
| That is 19% below the national average net price. |
| Total cost | $26,621.00 |
| − Grants and scholarships | −$21,573.00 |
| Net price | $5,048.00 |
| That is 74% below the national average net price. |
| Tuition and fees | $29,820.00 |
| + Room, board & other expenses | $14,893.00 |
| Total cost | $44,713.00 |
| That is 132% above the national average net price. |
| Total cost | $44,713.00 |
| − Grants and scholarships | −$11,122.00 |
| Net price | $33,591.00 |
| That is 74% above the national average net price. |
| Total cost | $44,713.00 |
| − Grants and scholarships | −$21,573.00 |
| Net price | $23,140.00 |
| That is 20% above the national average net price. | |
| Explore each piece on tuition and fees plus room and board. |
Cost of attendance here has been rising at a recent average of 5.3% 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 | 5.3% | 5.3% | 5.3% |
| Freshman year | $5,317.00 | $16,326.00 | $28,041.00 |
| Senior year | $6,214.00 | $19,080.00 | $32,771.00 |
| Total 4-year net price | $23,032.00 | $70,715.00 | $121,460.00 |
| 10-year loan interest @ 6.8% | $8,774.00 | $26,940.00 | $46,272.00 |
| Total monthly payment | $265.00 | $814.00 | $1,398.00 |
| Total amount paid | $31,806.00 | $97,655.00 | $167,731.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.3% | 5.3% | 5.3% |
| Freshman year | $5,317.00 | $16,326.00 | $28,041.00 |
| Senior year | $5,601.00 | $17,196.00 | $29,536.00 |
| Total 2-year net price | $10,918.00 | $33,522.00 | $57,577.00 |
| 10-year loan interest @ 6.8% | $4,159.00 | $12,771.00 | $21,935.00 |
| Total monthly payment | $126.00 | $386.00 | $663.00 |
| Total amount paid | $15,077.00 | $46,293.00 | $79,512.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.3% | 5.3% | 5.3% |
| Freshman year | $24,374.00 | $35,383.00 | $47,098.00 |
| Senior year | $28,486.00 | $41,351.00 | $55,042.00 |
| Total 4-year net price | $105,577.00 | $153,260.00 | $204,005.00 |
| 10-year loan interest @ 6.8% | $40,221.00 | $58,387.00 | $77,719.00 |
| Total monthly payment | $1,215.00 | $1,764.00 | $2,348.00 |
| Total amount paid | $145,798.00 | $211,647.00 | $281,724.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.3% | 5.3% | 5.3% |
| Freshman year | $24,374.00 | $35,383.00 | $47,098.00 |
| Senior year | $25,674.00 | $37,270.00 | $49,610.00 |
| Total 2-year net price | $50,048.00 | $72,652.00 | $96,707.00 |
| 10-year loan interest @ 6.8% | $19,067.00 | $27,678.00 | $36,842.00 |
| Total monthly payment | $576.00 | $836.00 | $1,113.00 |
| Total amount paid | $69,115.00 | $100,330.00 | $133,549.00 |
Read more in the Net Price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $17,413.00 |
| Average net price (off-campus) | $16,791.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $6,677.00 |
| $30,000 to $48,000 | $10,748.00 |
| $48,001 to $75,000 | $16,686.00 |
| $75,001 to $110,000 | $22,490.00 |
| Over $110,000 | $25,031.00 |
For a personalized estimate, try the Towson University Net Price Calculator, or get in touch with the financial aid office.
Dig into how aid is awarded on the financial aid page.
The typical debt load for borrowers leaving Towson University works out to $15,362.00, which federal data classifies as a Low ($10-20k) debt-burden category.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,750.00 |
| 25th | $7,283.00 |
| Median (50th) | $15,362.00 |
| 75th | $23,991.00 |
| 90th | $29,750.00 |
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 breakdown.
Family income tracks closely with debt at graduation. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,616.00 |
| Middle income | $16,018.00 |
| High income | $15,370.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,250.00 |
| Continuing-generation students | $15,500.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt difference between Pell-eligible and non-Pell graduates of Towson University is $1,000.00. This institution is flagged by federal data for Pell-debt inequity.
The federal default-rate tier for Towson University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.4% |
To give some context for these rates, Stafford loans disbursed at Towson University reach $1,003,250,320.00 covering 55,227 recipients.
Veterans and current servicemembers may be eligible for major federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 322 |
| Avg GI Bill amount | $9,651.00 |
| DoD Tuition Assistance recipients | 68 |
| Avg DoD Tuition Assistance | $3,468.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
The data above is a foundation; round it out by asking yourself about Towson University, a few questions are worth asking:
For a closer look at any of these topics, follow the links 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.