by our College Data Analytics TeamThis guide covers the real cost of attending Troy University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
Use the section links below to navigate this overview:
Attendance costs at Troy University fell between $21,816.00 through $31,992.00 across residency tiers.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: around $21,816.00 for in-state students versus $31,992.00 for out-of-state students.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $10,176.00 |
| + Room, board & other expenses | $11,640.00 |
| Total cost | $21,816.00 |
| That is 13% above the national average net price. |
| Total cost | $21,816.00 |
| − Grants and scholarships | −$6,638.00 |
| Net price | $15,178.00 |
| That is 21% below the national average net price. |
| Total cost | $21,816.00 |
| − Grants and scholarships | −$10,509.00 |
| Net price | $11,307.00 |
| That is 41% below the national average net price. |
| Tuition and fees | $20,352.00 |
| + Room, board & other expenses | $11,640.00 |
| Total cost | $31,992.00 |
| That is 66% above the national average net price. |
| Total cost | $31,992.00 |
| − Grants and scholarships | −$6,638.00 |
| Net price | $25,354.00 |
| That is 32% above the national average net price. |
| Total cost | $31,992.00 |
| − Grants and scholarships | −$10,509.00 |
| Net price | $21,483.00 |
| That is 12% above the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus living costs. |
Cost of attendance here has been rising at about 3.0% annually, so the projections below total more than one year of attendance. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $11,649.00 | $15,637.00 | $22,476.00 |
| Senior year | $12,739.00 | $17,100.00 | $24,578.00 |
| Total 4-year net price | $48,754.00 | $65,445.00 | $94,067.00 |
| 10-year loan interest @ 6.8% | $18,573.00 | $24,932.00 | $35,836.00 |
| Total monthly payment | $561.00 | $753.00 | $1,083.00 |
| Total amount paid | $67,327.00 | $90,377.00 | $129,903.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $11,649.00 | $15,637.00 | $22,476.00 |
| Senior year | $12,002.00 | $16,110.00 | $23,156.00 |
| Total 2-year net price | $23,651.00 | $31,747.00 | $45,632.00 |
| 10-year loan interest @ 6.8% | $9,010.00 | $12,095.00 | $17,384.00 |
| Total monthly payment | $272.00 | $365.00 | $525.00 |
| Total amount paid | $32,661.00 | $43,842.00 | $63,016.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $22,133.00 | $26,121.00 | $32,960.00 |
| Senior year | $24,203.00 | $28,564.00 | $36,043.00 |
| Total 4-year net price | $92,631.00 | $109,322.00 | $137,944.00 |
| 10-year loan interest @ 6.8% | $35,289.00 | $41,648.00 | $52,552.00 |
| Total monthly payment | $1,066.00 | $1,258.00 | $1,587.00 |
| Total amount paid | $127,920.00 | $150,970.00 | $190,496.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $22,133.00 | $26,121.00 | $32,960.00 |
| Senior year | $22,803.00 | $26,911.00 | $33,957.00 |
| Total 2-year net price | $44,936.00 | $53,032.00 | $66,917.00 |
| 10-year loan interest @ 6.8% | $17,119.00 | $20,203.00 | $25,493.00 |
| Total monthly payment | $517.00 | $610.00 | $770.00 |
| Total amount paid | $62,054.00 | $73,236.00 | $92,410.00 |
See the full net-price breakdown in the net price section below.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $16,527.00 |
| Average net price (off-campus) | $13,869.00 |
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 | $12,718.00 |
| $30,000 to $48,000 | $12,632.00 |
| $48,001 to $75,000 | $15,109.00 |
| $75,001 to $110,000 | $15,553.00 |
| Over $110,000 | $14,278.00 |
For a personalized estimate, try the Troy University Net Price Calculator, or get in touch with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
Median graduate debt at Troy University works out to $15,985.00, which the Department of Education classifies as a Low ($10-20k) burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,130.00 |
| 25th | $5,500.00 |
| Median (50th) | $15,985.00 |
| 75th | $29,512.00 |
| 90th | $44,875.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $17,000.00 |
| Middle income | $15,000.00 |
| High income | $15,000.00 |
On average, low-income graduates leave with $2,000.00 more than graduates from high-income families.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,250.00 |
| Continuing-generation students | $15,488.00 |
First-generation graduates from Troy University take on $762.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the largest source of federal need-based aid for undergrads. Pell vs non-Pell comparisons surface how debt breaks down by need.
The Pell-versus-non-Pell median debt difference at Troy University amounts to $5,250.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate classification for Troy University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 9.3% |
To give some context for these rates, Stafford loans disbursed at Troy University reach $2,634,844,783.00 over 84,791 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 | 792 |
| Avg GI Bill amount | $6,893.00 |
| DoD Tuition Assistance recipients | 1,831 |
| Avg DoD Tuition Assistance | $2,225.00 |
Dig into veteran education benefits on the veteran aid breakdown.
The figures above are a starting point — as you weigh Troy University, think through the questions below:
Explore the related pages below for a deeper look at the cost picture:
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.