by our College Data Analytics TeamHere’s the full picture on paying for University of Minnesota-Twin Cities, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
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Cost of attendance at University of Minnesota-Twin Cities ranged from $29,013.00 and $50,161.00 based on in-state versus out-of-state status.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: about $29,013.00 in-state against $50,161.00 for out-of-state students.
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 | $17,214.00 |
| + Room, board & other expenses | $11,799.00 |
| Total cost | $29,013.00 |
| That is 51% above the national average net price. |
| Total cost | $29,013.00 |
| − Grants and scholarships | −$13,283.00 |
| Net price | $15,730.00 |
| That is 18% below the national average net price. |
| Total cost | $29,013.00 |
| − Grants and scholarships | −$23,419.00 |
| Net price | $5,594.00 |
| That is 71% below the national average net price. |
| Tuition and fees | $38,362.00 |
| + Room, board & other expenses | $11,799.00 |
| Total cost | $50,161.00 |
| That is 161% above the national average net price. |
| Total cost | $50,161.00 |
| − Grants and scholarships | −$13,283.00 |
| Net price | $36,878.00 |
| That is 92% above the national average net price. |
| Total cost | $50,161.00 |
| − Grants and scholarships | −$23,419.00 |
| Net price | $26,742.00 |
| That is 39% above the national average net price. | |
| For the full breakdown, see tuition and fees and living costs. |
Cost of attendance here has been rising by around 4.3% per year, so the four-year total runs well above today’s cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $5,834.00 | $16,406.00 | $30,259.00 |
| Senior year | $6,619.00 | $18,611.00 | $34,328.00 |
| Total 4-year net price | $24,884.00 | $69,972.00 | $129,059.00 |
| 10-year loan interest @ 6.8% | $9,480.00 | $26,657.00 | $49,167.00 |
| Total monthly payment | $286.00 | $805.00 | $1,485.00 |
| Total amount paid | $34,364.00 | $96,629.00 | $178,226.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $5,834.00 | $16,406.00 | $30,259.00 |
| Senior year | $6,085.00 | $17,110.00 | $31,559.00 |
| Total 2-year net price | $11,919.00 | $33,516.00 | $61,818.00 |
| 10-year loan interest @ 6.8% | $4,541.00 | $12,768.00 | $23,550.00 |
| Total monthly payment | $137.00 | $386.00 | $711.00 |
| Total amount paid | $16,460.00 | $46,284.00 | $85,368.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $27,891.00 | $38,462.00 | $52,315.00 |
| Senior year | $31,641.00 | $43,633.00 | $59,350.00 |
| Total 4-year net price | $118,957.00 | $164,046.00 | $223,133.00 |
| 10-year loan interest @ 6.8% | $45,318.00 | $62,495.00 | $85,006.00 |
| Total monthly payment | $1,369.00 | $1,888.00 | $2,568.00 |
| Total amount paid | $164,276.00 | $226,541.00 | $308,138.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $27,891.00 | $38,462.00 | $52,315.00 |
| Senior year | $29,088.00 | $40,114.00 | $54,562.00 |
| Total 2-year net price | $56,979.00 | $78,576.00 | $106,878.00 |
| 10-year loan interest @ 6.8% | $21,707.00 | $29,934.00 | $40,717.00 |
| Total monthly payment | $656.00 | $904.00 | $1,230.00 |
| Total amount paid | $78,686.00 | $108,510.00 | $147,594.00 |
Jump to the net-price detail in the net-price section.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $16,778.00 |
| Average net price (off-campus) | $17,139.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $7,262.00 |
| $30,000 to $48,000 | $7,634.00 |
| $48,001 to $75,000 | $10,861.00 |
| $75,001 to $110,000 | $17,909.00 |
| Over $110,000 | $26,623.00 |
Get a tailored estimate from the University of Minnesota-Twin Cities 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.
Typical debt at graduation from University of Minnesota-Twin Cities stands at $16,727.00, which the Department of Education classifies as a Low ($10-20k) debt-load classification.
Across borrowers, debt at graduation distributes like this:
| 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.
Explore borrowing, repayment, and default in detail on the student loan debt detail.
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 | $13,990.00 |
| Middle income | $15,669.00 |
| High income | $17,750.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,180.00 |
| Continuing-generation students | $17,018.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. Pell vs non-Pell comparisons surface how debt breaks down by need.
The gap between Pell-eligible and non-Pell median debt at University of Minnesota-Twin Cities works out to $-1,287.00.
The Department of Education default-rate tier for University of Minnesota-Twin Cities is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 3.2% |
For a sense of scale, Stafford disbursements at University of Minnesota-Twin Cities total $3,096,591,829.00 over 108,174 borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 400 |
| Avg GI Bill amount | $16,552.00 |
| DoD Tuition Assistance recipients | 97 |
| Avg DoD Tuition Assistance | $3,108.00 |
For the full rundown of veteran and military benefits, see the veterans benefits detail.
Beyond the data above, it helps to ask a few questions when weighing University of Minnesota-Twin Cities, think through the questions below:
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.