by our College Data Analytics TeamHere is what you can expect to pay at University of Southern Mississippi, 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.
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Published attendance costs at University of Southern Mississippi ranged from $25,482.00 to $27,482.00 depending on residency and living arrangement.
In-state students paid the lower published figure, while out-of-state students faced the higher one: close to $25,482.00 for in-state students versus $27,482.00 out-of-state.
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 | $9,998.00 |
| + Room, board & other expenses | $15,484.00 |
| Total cost | $25,482.00 |
| That is 32% above the national average net price. |
| Total cost | $25,482.00 |
| − Grants and scholarships | −$4,858.00 |
| Net price | $20,624.00 |
| That is 7% above the national average net price. |
| Total cost | $25,482.00 |
| − Grants and scholarships | −$6,699.00 |
| Net price | $18,783.00 |
| That is 2% below the national average net price. |
| Tuition and fees | $11,998.00 |
| + Room, board & other expenses | $15,484.00 |
| Total cost | $27,482.00 |
| That is 43% above the national average net price. |
| Total cost | $27,482.00 |
| − Grants and scholarships | −$4,858.00 |
| Net price | $22,624.00 |
| That is 18% above the national average net price. |
| Total cost | $27,482.00 |
| − Grants and scholarships | −$6,699.00 |
| Net price | $20,783.00 |
| That is 8% above the national average net price. | |
| Go deeper on the components with the tuition & fees page plus living costs. |
The reported cost series has been increasing by roughly 2.3% per year; the projections below compound that across a degree. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $19,217.00 | $21,101.00 | $26,071.00 |
| Senior year | $20,581.00 | $22,599.00 | $27,922.00 |
| Total 4-year net price | $79,576.00 | $87,376.00 | $107,957.00 |
| 10-year loan interest @ 6.8% | $30,316.00 | $33,287.00 | $41,128.00 |
| Total monthly payment | $916.00 | $1,006.00 | $1,242.00 |
| Total amount paid | $109,892.00 | $120,663.00 | $149,085.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $19,217.00 | $21,101.00 | $26,071.00 |
| Senior year | $19,662.00 | $21,589.00 | $26,674.00 |
| Total 2-year net price | $38,879.00 | $42,690.00 | $52,745.00 |
| 10-year loan interest @ 6.8% | $14,811.00 | $16,263.00 | $20,094.00 |
| Total monthly payment | $447.00 | $491.00 | $607.00 |
| Total amount paid | $53,690.00 | $58,953.00 | $72,839.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $21,264.00 | $23,147.00 | $28,117.00 |
| Senior year | $22,773.00 | $24,790.00 | $30,113.00 |
| Total 4-year net price | $88,050.00 | $95,849.00 | $116,431.00 |
| 10-year loan interest @ 6.8% | $33,544.00 | $36,515.00 | $44,356.00 |
| Total monthly payment | $1,013.00 | $1,103.00 | $1,340.00 |
| Total amount paid | $121,593.00 | $132,364.00 | $160,786.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $21,264.00 | $23,147.00 | $28,117.00 |
| Senior year | $21,755.00 | $23,682.00 | $28,767.00 |
| Total 2-year net price | $43,019.00 | $46,829.00 | $56,885.00 |
| 10-year loan interest @ 6.8% | $16,389.00 | $17,840.00 | $21,671.00 |
| Total monthly payment | $495.00 | $539.00 | $655.00 |
| Total amount paid | $59,407.00 | $64,670.00 | $78,556.00 |
Read more in the net price section below.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $21,708.00 |
| Average net price (off-campus) | $14,224.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $12,798.00 |
| $30,000 to $48,000 | $11,574.00 |
| $48,001 to $75,000 | $16,248.00 |
| $75,001 to $110,000 | $18,212.00 |
| Over $110,000 | $19,561.00 |
Get a tailored estimate from the University of Southern Mississippi Net Price Calculator, or check with the financial aid office.
Curious how grants and scholarships are distributed? Explore the grants & scholarships detail.
The median graduating debt at University of Southern Mississippi stands at $14,250.00, which the Department of Education classifies as a Low ($10-20k) debt-load classification.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,625.00 |
| 25th | $6,500.00 |
| Median (50th) | $14,250.00 |
| 75th | $29,066.00 |
| 90th | $41,278.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Read the complete debt breakdown on the student loan debt page.
Debt at graduation is far from uniform across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,550.00 |
| Middle income | $14,000.00 |
| High income | $14,000.00 |
On average, low-income graduates leave with $550.00 in additional median debt versus high-income graduates.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $14,250.00 |
| Continuing-generation students | $14,291.00 |
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt gap between Pell and non-Pell graduates of University of Southern Mississippi works out to $3,000.00. Federal data flags this school for Pell-related debt inequity.
The Department of Education default-rate tier for University of Southern Mississippi is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.8% |
For context on the loan portfolio, Stafford disbursements at University of Southern Mississippi amount to $1,628,474,762.00 distributed across 66,355 borrowers.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 444 |
| Avg GI Bill amount | $6,953.00 |
| DoD Tuition Assistance recipients | 214 |
| Avg DoD Tuition Assistance | $2,927.00 |
Read more about military and veteran aid on the veteran aid breakdown.
Numbers only tell part of the story. As you weigh University of Southern Mississippi, keep these questions in mind:
Explore the related pages below for a deeper look at the cost picture:
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.