by our College Data Analytics TeamThis guide covers the real cost of attending University of Louisville, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
If you want to dig into a particular figure, jump to any section below:
Cost of attendance at University of Louisville varied between $30,843.00 to $47,189.00 across residency tiers.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: around $30,843.00 in-state, rising to $47,189.00 out-of-state.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $13,136.00 |
| + Room, board & other expenses | $17,707.00 |
| Total cost | $30,843.00 |
| That is 60% above the national average net price. |
| Total cost | $30,843.00 |
| − Grants and scholarships | −$14,953.00 |
| Net price | $15,890.00 |
| That is 17% below the national average net price. |
| Total cost | $30,843.00 |
| − Grants and scholarships | −$17,803.00 |
| Net price | $13,040.00 |
| That is 32% below the national average net price. |
| Tuition and fees | $29,482.00 |
| + Room, board & other expenses | $17,707.00 |
| Total cost | $47,189.00 |
| That is 145% above the national average net price. |
| Total cost | $47,189.00 |
| − Grants and scholarships | −$14,953.00 |
| Net price | $32,236.00 |
| That is 67% above the national average net price. |
| Total cost | $47,189.00 |
| − Grants and scholarships | −$17,803.00 |
| Net price | $29,386.00 |
| That is 53% above the national average net price. | |
| For the full breakdown, see the tuition & fees page plus living costs. |
Published costs have climbed year over year by roughly 0.9% a year, so a full degree will cost more than a single year — the tables below carry that forward. Below, the cost is projected across a degree for three students at once — low-income with 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 | 0.9% | 0.9% | 0.9% |
| Freshman year | $13,155.00 | $16,030.00 | $31,115.00 |
| Senior year | $13,506.00 | $16,458.00 | $31,945.00 |
| Total 4-year net price | $53,320.00 | $64,973.00 | $126,116.00 |
| 10-year loan interest @ 6.8% | $20,313.00 | $24,753.00 | $48,045.00 |
| Total monthly payment | $614.00 | $748.00 | $1,451.00 |
| Total amount paid | $73,633.00 | $89,726.00 | $174,161.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.9% | 0.9% | 0.9% |
| Freshman year | $13,155.00 | $16,030.00 | $31,115.00 |
| Senior year | $13,271.00 | $16,171.00 | $31,389.00 |
| Total 2-year net price | $26,426.00 | $32,202.00 | $62,504.00 |
| 10-year loan interest @ 6.8% | $10,067.00 | $12,268.00 | $23,812.00 |
| Total monthly payment | $304.00 | $371.00 | $719.00 |
| Total amount paid | $36,493.00 | $44,469.00 | $86,316.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.9% | 0.9% | 0.9% |
| Freshman year | $29,645.00 | $32,520.00 | $47,605.00 |
| Senior year | $30,436.00 | $33,388.00 | $48,875.00 |
| Total 4-year net price | $120,158.00 | $131,811.00 | $192,953.00 |
| 10-year loan interest @ 6.8% | $45,776.00 | $50,215.00 | $73,508.00 |
| Total monthly payment | $1,383.00 | $1,517.00 | $2,221.00 |
| Total amount paid | $165,934.00 | $182,027.00 | $266,462.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.9% | 0.9% | 0.9% |
| Freshman year | $29,645.00 | $32,520.00 | $47,605.00 |
| Senior year | $29,906.00 | $32,807.00 | $48,025.00 |
| Total 2-year net price | $59,552.00 | $65,327.00 | $95,630.00 |
| 10-year loan interest @ 6.8% | $22,687.00 | $24,887.00 | $36,432.00 |
| Total monthly payment | $685.00 | $752.00 | $1,101.00 |
| Total amount paid | $82,239.00 | $90,214.00 | $132,061.00 |
Jump to the net-price detail in the net price section below.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $17,988.00 |
| Average net price (off-campus) | $17,634.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $13,768.00 |
| $30,000 to $48,000 | $14,494.00 |
| $48,001 to $75,000 | $16,510.00 |
| $75,001 to $110,000 | $22,938.00 |
| Over $110,000 | $25,116.00 |
Run your own numbers with the University of Louisville Net Price Calculator, or contact the financial aid office.
Want to know how that aid is awarded? See the financial aid page.
Median graduate debt at University of Louisville stands at $13,750.00, landing it in the Low ($10-20k) burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,000.00 |
| 25th | $5,500.00 |
| Median (50th) | $13,750.00 |
| 75th | $24,500.00 |
| 90th | $32,373.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
For the full borrowing and repayment picture, see the student loan debt page.
Debt at graduation is far from uniform across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $13,840.00 |
| Middle income | $13,000.00 |
| High income | $14,000.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,500.00 |
| Continuing-generation students | $14,000.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The median debt gap between Pell and non-Pell graduates of University of Louisville amounts to $2,362.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate tier for University of Louisville is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.2% |
For a sense of scale, Stafford disbursements at University of Louisville reach $1,794,285,468.00 covering 57,414 loan recipients.
Veterans and active-duty students can access dedicated federal education aid like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 405 |
| Avg GI Bill amount | $9,997.00 |
| DoD Tuition Assistance recipients | 595 |
| Avg DoD Tuition Assistance | $1,908.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
The figures above are a starting point — as you weigh University of Louisville, the questions below are worth your time:
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.