by our College Data Analytics TeamHere is what you can expect to pay at University of Southern Maine, 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.
If you want to dig into a particular figure, jump to any section below:
Published attendance costs at University of Southern Maine fell between $21,381.00 through $38,041.00 depending on whether you qualify for in-state rates.
Where you live mattered — in-state students paid less than out-of-state students: about $21,381.00 in-state, rising to $38,041.00 for out-of-state students.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $11,284.00 |
| + Room, board & other expenses | $10,097.00 |
| Total cost | $21,381.00 |
| That is 11% above the national average net price. |
| Total cost | $21,381.00 |
| − Grants and scholarships | −$10,121.00 |
| Net price | $11,260.00 |
| That is 42% below the national average net price. |
| Total cost | $21,381.00 |
| − Grants and scholarships | −$13,718.00 |
| Net price | $7,663.00 |
| That is 60% below the national average net price. |
| Tuition and fees | $27,944.00 |
| + Room, board & other expenses | $10,097.00 |
| Total cost | $38,041.00 |
| That is 98% above the national average net price. |
| Total cost | $38,041.00 |
| − Grants and scholarships | −$10,121.00 |
| Net price | $27,920.00 |
| That is 45% above the national average net price. |
| Total cost | $38,041.00 |
| − Grants and scholarships | −$13,718.00 |
| Net price | $24,323.00 |
| That is 26% above the national average net price. | |
| Explore each piece on the tuition & fees page and room and board. |
Cost of attendance here has been rising by roughly 5.5% annually, so the projections below total more than one year of attendance. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with 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 | 5.5% | 5.5% | 5.5% |
| Freshman year | $8,081.00 | $11,874.00 | $22,547.00 |
| Senior year | $9,477.00 | $13,925.00 | $26,441.00 |
| Total 4-year net price | $35,066.00 | $51,525.00 | $97,839.00 |
| 10-year loan interest @ 6.8% | $13,359.00 | $19,629.00 | $37,273.00 |
| Total monthly payment | $404.00 | $593.00 | $1,126.00 |
| Total amount paid | $48,424.00 | $71,155.00 | $135,112.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.5% | 5.5% | 5.5% |
| Freshman year | $8,081.00 | $11,874.00 | $22,547.00 |
| Senior year | $8,522.00 | $12,522.00 | $23,777.00 |
| Total 2-year net price | $16,603.00 | $24,396.00 | $46,324.00 |
| 10-year loan interest @ 6.8% | $6,325.00 | $9,294.00 | $17,648.00 |
| Total monthly payment | $191.00 | $281.00 | $533.00 |
| Total amount paid | $22,928.00 | $33,690.00 | $63,972.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.5% | 5.5% | 5.5% |
| Freshman year | $25,650.00 | $29,443.00 | $40,116.00 |
| Senior year | $30,079.00 | $34,528.00 | $47,044.00 |
| Total 4-year net price | $111,301.00 | $127,761.00 | $174,075.00 |
| 10-year loan interest @ 6.8% | $42,402.00 | $48,672.00 | $66,316.00 |
| Total monthly payment | $1,281.00 | $1,470.00 | $2,003.00 |
| Total amount paid | $153,703.00 | $176,433.00 | $240,391.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.5% | 5.5% | 5.5% |
| Freshman year | $25,650.00 | $29,443.00 | $40,116.00 |
| Senior year | $27,049.00 | $31,049.00 | $42,304.00 |
| Total 2-year net price | $52,698.00 | $60,491.00 | $82,419.00 |
| 10-year loan interest @ 6.8% | $20,076.00 | $23,045.00 | $31,399.00 |
| Total monthly payment | $606.00 | $696.00 | $948.00 |
| Total amount paid | $72,774.00 | $83,536.00 | $113,818.00 |
Read more in the Net Price section.
The net price figure shows the cost after grants and scholarships are deducted. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $13,596.00 |
| Average net price (off-campus) | $11,729.00 |
The real cost varies by income because need-based aid scales with financial need. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $7,226.00 |
| $30,000 to $48,000 | $8,330.00 |
| $48,001 to $75,000 | $10,828.00 |
| $75,001 to $110,000 | $14,704.00 |
| Over $110,000 | $17,346.00 |
Get a tailored estimate from the University of Southern Maine Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
The typical debt load for borrowers leaving University of Southern Maine stands at $12,887.00, which the Department of Education classifies as a Low ($10-20k) burden tier.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,751.00 |
| 25th | $5,500.00 |
| Median (50th) | $12,887.00 |
| 75th | $26,000.00 |
| 90th | $35,750.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Explore borrowing, repayment, and default in detail on the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $13,665.00 |
| Middle income | $13,001.00 |
| High income | $12,000.00 |
Low-income borrowers graduate with $1,665.00 in additional median debt versus high-income graduates.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,767.00 |
| Continuing-generation students | $13,000.00 |
The Pell Grant is the main federal need-based award for undergraduates. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt gap between Pell and non-Pell graduates of University of Southern Maine works out to $2,806.00. Federal data flags this school for Pell-related debt inequity.
The default-rate category at University of Southern Maine is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.0% |
For a sense of scale, Stafford disbursements at University of Southern Maine come to $632,431,277.00 spread across 28,716 loan recipients.
Veteran and active-military students often access dedicated federal aid programs including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 134 |
| Avg GI Bill amount | $8,777.00 |
| DoD Tuition Assistance recipients | 24 |
| Avg DoD Tuition Assistance | $2,943.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about University of Southern Maine, consider the following:
Each page below covers one part of paying for college in more detail:
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.