by our College Data Analytics TeamBelow is the data on what it actually costs to attend University of Massachusetts-Lowell, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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The total cost of attendance at University of Massachusetts-Lowell varied between $29,521.00 and $48,819.00 depending on whether you qualify for in-state rates.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: about $29,521.00 for in-state students versus $48,819.00 for non-residents.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $16,966.00 |
| + Room, board & other expenses | $12,555.00 |
| Total cost | $29,521.00 |
| That is 53% above the national average net price. |
| Total cost | $29,521.00 |
| − Grants and scholarships | −$13,623.00 |
| Net price | $15,898.00 |
| That is 17% below the national average net price. |
| Total cost | $29,521.00 |
| − Grants and scholarships | −$20,843.00 |
| Net price | $8,678.00 |
| That is 55% below the national average net price. |
| Tuition and fees | $36,264.00 |
| + Room, board & other expenses | $12,555.00 |
| Total cost | $48,819.00 |
| That is 154% above the national average net price. |
| Total cost | $48,819.00 |
| − Grants and scholarships | −$13,623.00 |
| Net price | $35,196.00 |
| That is 83% above the national average net price. |
| Total cost | $48,819.00 |
| − Grants and scholarships | −$20,843.00 |
| Net price | $27,976.00 |
| That is 45% above the national average net price. | |
| Go deeper on the components with tuition and fees plus living costs. |
Published costs have climbed year over year at a recent average of 2.6% a year, so a full degree will cost more than a single year — the tables below carry that forward. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. 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 | 2.6% | 2.6% | 2.6% |
| Freshman year | $8,899.00 | $16,304.00 | $30,274.00 |
| Senior year | $9,598.00 | $17,584.00 | $32,651.00 |
| Total 4-year net price | $36,984.00 | $67,753.00 | $125,811.00 |
| 10-year loan interest @ 6.8% | $14,089.00 | $25,812.00 | $47,930.00 |
| Total monthly payment | $426.00 | $780.00 | $1,448.00 |
| Total amount paid | $51,073.00 | $93,565.00 | $173,741.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.6% | 2.6% | 2.6% |
| Freshman year | $8,899.00 | $16,304.00 | $30,274.00 |
| Senior year | $9,127.00 | $16,720.00 | $31,047.00 |
| Total 2-year net price | $18,026.00 | $33,023.00 | $61,321.00 |
| 10-year loan interest @ 6.8% | $6,867.00 | $12,581.00 | $23,361.00 |
| Total monthly payment | $207.00 | $380.00 | $706.00 |
| Total amount paid | $24,893.00 | $45,604.00 | $84,682.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.6% | 2.6% | 2.6% |
| Freshman year | $28,690.00 | $36,094.00 | $50,065.00 |
| Senior year | $30,943.00 | $38,928.00 | $53,996.00 |
| Total 4-year net price | $119,227.00 | $149,997.00 | $208,055.00 |
| 10-year loan interest @ 6.8% | $45,421.00 | $57,143.00 | $79,261.00 |
| Total monthly payment | $1,372.00 | $1,726.00 | $2,394.00 |
| Total amount paid | $164,648.00 | $207,140.00 | $287,316.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.6% | 2.6% | 2.6% |
| Freshman year | $28,690.00 | $36,094.00 | $50,065.00 |
| Senior year | $29,422.00 | $37,015.00 | $51,342.00 |
| Total 2-year net price | $58,112.00 | $73,109.00 | $101,407.00 |
| 10-year loan interest @ 6.8% | $22,138.00 | $27,852.00 | $38,632.00 |
| Total monthly payment | $669.00 | $841.00 | $1,167.00 |
| Total amount paid | $80,250.00 | $100,961.00 | $140,039.00 |
Jump to the net-price detail 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. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $17,163.00 |
| Average net price (off-campus) | $18,627.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,460.00 |
| $30,000 to $48,000 | $11,220.00 |
| $48,001 to $75,000 | $15,576.00 |
| $75,001 to $110,000 | $21,633.00 |
| Over $110,000 | $26,648.00 |
Use University of Massachusetts-Lowell Net Price Calculator, or get in touch with the financial aid office.
Want to know how that aid is awarded? See the financial aid page.
The median graduating debt at University of Massachusetts-Lowell is $18,250.00, which the Department of Education classifies as a Low ($10-20k) burden tier.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,654.00 |
| 25th | $7,500.00 |
| Median (50th) | $18,250.00 |
| 75th | $27,000.00 |
| 90th | $35,400.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Dig deeper into debt on the student loan debt page.
Debt outcomes vary substantially with family income. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $18,500.00 |
| Middle income | $18,629.00 |
| High income | $17,750.00 |
Low-income borrowers graduate with $750.00 more debt than high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $18,500.00 |
| Continuing-generation students | $17,500.00 |
First-generation graduates of University of Massachusetts-Lowell leave with $1,000.00 more than continuing-generation graduates.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The Pell vs non-Pell debt gap at University of Massachusetts-Lowell stands at $3,758.00. This school carries a federal Pell-debt-inequity flag.
The default-rate category at University of Massachusetts-Lowell is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.8% |
For context on the loan portfolio, Stafford disbursements at University of Massachusetts-Lowell add up to $808,906,962.00 covering 41,131 student borrowers.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 227 |
| Avg GI Bill amount | $11,008.00 |
| DoD Tuition Assistance recipients | 28 |
| Avg DoD Tuition Assistance | $2,770.00 |
Read more about military and veteran aid on the college veterans page.
The data above is a foundation; round it out by asking yourself about University of Massachusetts-Lowell, a few questions are worth asking:
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.