by our College Data Analytics TeamMany students will never be charged the complete price tag of a school. Rather, they are presented a financial aid deal that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total cost of going to University of Minnesota-Duluth can seem overwhelming, but bear in mind that many students are given some form of financial aid.
What financing options does UMN Duluth offer, and what will you qualify for? Keep scrolling for more information. Keep reading to learn what amount of financial assistance will be accessible to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. The figures below will help you estimate the aid you might receive from University of Minnesota-Duluth.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Bear in mind that not all aid is equal, and the amount any one student receives can vary widely.
For freshmen starting at University of Minnesota-Duluth, 98% of new full-time first-years were awarded at least some aid approximately 1769 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 95% | $7,186 |
| Institutional grants & scholarships | 94% | $3,561 |
| Federal Pell grants | 22% | $5,557 |
| State/local grants | 34% | $6,306 |
| Federal student loans | 57% | $5,240 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. At this school, about 69% of undergraduates were awarded an average grant or scholarship of $8,115 (across approximately 5897 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 69% | $8,115 |
| Federal Pell grants | 19% | $5,452 |
| Federal student loans | 44% | $6,028 |
Among title-IV aid recipients living on campus, grant and scholarship aid averaged $8,937.
How much a family pays depends heavily on income, because most aid is awarded on the basis of financial need.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $7,117 |
| $30,001 – $75,000 | $10,279 |
| Over $75,000 | $23,113 |
Each figure is the net price after grants and scholarships, not the published sticker price.
Net price is the average annual cost after grants and scholarships are subtracted from the published cost of attendance — the figure closest to what a typical aid-receiving student actually pays.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $18,743 |
| Off-campus title-IV students | $18,464 |
For an estimate tailored to your family circumstances, see UMN Duluth’s net price tool: admissions.d.umn.edu/costs-aid/npc.
A typical borrower at UMN Duluth leaves with $16,000 of federal student loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $16,000 |
| Median federal debt (graduates only) | $22,024 |
| Typical 10-year monthly payment (graduates) | $233.49/mo |
That monthly figure reflects the median graduate debt repaid on a standard 10-year federal schedule.
The numbers below show the full range, not just the middle of the distribution. Use the percentiles below to see the debt range at UMN Duluth.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,551 |
The figures below break down median federal debt by income tier, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,049 |
| Middle income | $15,000 |
| High income | $17,500 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $15,750 |
| Continuing-generation students | $16,750 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,750 |
| Independent students | $17,579 |
A handful of calculated indicators summarize the debt outlook at UMN Duluth.
Stafford loans are the federal government’s primary direct undergraduate lending program. The totals below capture Stafford lending at UMN Duluth:
| Metric | Value |
|---|---|
| Stafford loan recipients | 32981 |
| Total Stafford loan amount | $626,378,823 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 90 |
| Total GI Bill amount | $952,745 |
| Average GI Bill amount per recipient | $10,586 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 35 |
| Total DoD amount | $114,875 |
| Average DoD amount per recipient | $3,282 |
References
More about our data sources and methodologies.