by our College Data Analytics TeamHere’s the full picture on paying for University of Minnesota-Rochester, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
Use the section links below to navigate this overview:
The full cost of attending University of Minnesota-Rochester amounts to about $27,237.00 for a single academic year.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $15,016.00 |
| + Room, board & other expenses | $12,221.00 |
| Total cost | $27,237.00 |
| That is 41% above the national average net price. |
| Total cost | $27,237.00 |
| − Grants and scholarships | −$15,160.00 |
| Net price | $12,077.00 |
| That is 37% below the national average net price. |
| Total cost | $27,237.00 |
| − Grants and scholarships | −$22,788.00 |
| Net price | $4,449.00 |
| That is 77% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus room and board. |
Costs have trended upward in recent years at a recent average of 4.8% per year; the projections below compound that across a degree. 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 | 4.8% | 4.8% | 4.8% |
| Freshman year | $4,665.00 | $12,663.00 | $28,558.00 |
| Senior year | $5,377.00 | $14,595.00 | $32,916.00 |
| Total 4-year net price | $20,060.00 | $54,454.00 | $122,809.00 |
| 10-year loan interest @ 6.8% | $7,642.00 | $20,745.00 | $46,786.00 |
| Total monthly payment | $231.00 | $627.00 | $1,413.00 |
| Total amount paid | $27,702.00 | $75,199.00 | $169,595.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.8% | 4.8% | 4.8% |
| Freshman year | $4,665.00 | $12,663.00 | $28,558.00 |
| Senior year | $4,891.00 | $13,276.00 | $29,942.00 |
| Total 2-year net price | $9,556.00 | $25,939.00 | $58,500.00 |
| 10-year loan interest @ 6.8% | $3,640.00 | $9,882.00 | $22,286.00 |
| Total monthly payment | $110.00 | $299.00 | $673.00 |
| Total amount paid | $13,196.00 | $35,821.00 | $80,786.00 |
For the complete net-price picture, see 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) | $13,744.00 |
| Average net price (off-campus) | $12,785.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $3,010.00 |
| $30,000 to $48,000 | $4,452.00 |
| $48,001 to $75,000 | $3,168.00 |
| $75,001 to $110,000 | $16,790.00 |
| Over $110,000 | $24,800.00 |
Estimate your specific net price using the school’s University of Minnesota-Rochester Net Price Calculator, or reach out to the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
Typical debt at graduation from University of Minnesota-Rochester comes to $16,727.00, landing it in the Low ($10-20k) debt-load classification.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $8,374.00 |
| Median (50th) | $16,727.00 |
| 75th | $25,182.00 |
| 90th | $29,795.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Read the complete debt breakdown on the student loan debt page.
Family income tracks closely with debt at graduation. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $13,990.00 |
| Middle income | $15,669.00 |
| High income | $17,750.00 |
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,180.00 |
| Continuing-generation students | $17,018.00 |
Pell Grants are the largest source of federal need-based aid for undergrads. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell vs non-Pell debt gap at University of Minnesota-Rochester stands at $-1,287.00.
The default-rate category at University of Minnesota-Rochester is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 3.2% |
To put the rates in context, Stafford loans at University of Minnesota-Rochester amount to $3,096,591,829.00 spread across 108,174 disbursements.
Veterans and active-duty service members may qualify for substantial federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 5 |
| Avg GI Bill amount | $13,565.00 |
| DoD Tuition Assistance recipients | 2 |
| Avg DoD Tuition Assistance | $4,000.00 |
Explore GI Bill and military aid in detail on the college veterans page.
The figures above are a starting point — as you weigh University of Minnesota-Rochester, the questions below are worth your time:
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.