by our College Data Analytics TeamBelow is the data on what it actually costs to attend University of Toledo, 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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The full cost of attending University of Toledo varied between $26,190.00 ranging to $35,550.00 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: close to $26,190.00 in-state compared with $35,550.00 out of state.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $12,744.00 |
| + Room, board & other expenses | $13,446.00 |
| Total cost | $26,190.00 |
| That is 36% above the national average net price. |
| Total cost | $26,190.00 |
| − Grants and scholarships | −$9,263.00 |
| Net price | $16,927.00 |
| That is 12% below the national average net price. |
| Total cost | $26,190.00 |
| − Grants and scholarships | −$12,988.00 |
| Net price | $13,202.00 |
| That is 31% below the national average net price. |
| Tuition and fees | $22,104.00 |
| + Room, board & other expenses | $13,446.00 |
| Total cost | $35,550.00 |
| That is 85% above the national average net price. |
| Total cost | $35,550.00 |
| − Grants and scholarships | −$9,263.00 |
| Net price | $26,287.00 |
| That is 37% above the national average net price. |
| Total cost | $35,550.00 |
| − Grants and scholarships | −$12,988.00 |
| Net price | $22,562.00 |
| That is 17% above the national average net price. | |
| For the full breakdown, see the tuition & fees page plus room and board. |
Costs have trended upward in recent years by around 2.0% per year, so the four-year total runs well above today’s cost. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. 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 | 2.0% | 2.0% | 2.0% |
| Freshman year | $13,462.00 | $17,260.00 | $26,705.00 |
| Senior year | $14,272.00 | $18,298.00 | $28,312.00 |
| Total 4-year net price | $55,456.00 | $71,103.00 | $110,013.00 |
| 10-year loan interest @ 6.8% | $21,127.00 | $27,088.00 | $41,911.00 |
| Total monthly payment | $638.00 | $818.00 | $1,266.00 |
| Total amount paid | $76,583.00 | $98,191.00 | $151,924.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.0% | 2.0% | 2.0% |
| Freshman year | $13,462.00 | $17,260.00 | $26,705.00 |
| Senior year | $13,726.00 | $17,599.00 | $27,230.00 |
| Total 2-year net price | $27,188.00 | $34,859.00 | $53,935.00 |
| 10-year loan interest @ 6.8% | $10,358.00 | $13,280.00 | $20,547.00 |
| Total monthly payment | $313.00 | $401.00 | $621.00 |
| Total amount paid | $37,546.00 | $48,139.00 | $74,483.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.0% | 2.0% | 2.0% |
| Freshman year | $23,006.00 | $26,804.00 | $36,249.00 |
| Senior year | $24,390.00 | $28,417.00 | $38,430.00 |
| Total 4-year net price | $94,773.00 | $110,421.00 | $149,331.00 |
| 10-year loan interest @ 6.8% | $36,105.00 | $42,066.00 | $56,890.00 |
| Total monthly payment | $1,091.00 | $1,271.00 | $1,719.00 |
| Total amount paid | $130,879.00 | $152,487.00 | $206,220.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.0% | 2.0% | 2.0% |
| Freshman year | $23,006.00 | $26,804.00 | $36,249.00 |
| Senior year | $23,458.00 | $27,331.00 | $36,962.00 |
| Total 2-year net price | $46,464.00 | $54,135.00 | $73,211.00 |
| 10-year loan interest @ 6.8% | $17,701.00 | $20,624.00 | $27,891.00 |
| Total monthly payment | $535.00 | $623.00 | $843.00 |
| Total amount paid | $64,165.00 | $74,759.00 | $101,102.00 |
For the complete net-price picture, see the net-price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $17,249.00 |
| Average net price (off-campus) | $17,460.00 |
The real cost varies by income because need-based aid scales with financial need. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $12,763.00 |
| $30,000 to $48,000 | $13,774.00 |
| $48,001 to $75,000 | $17,553.00 |
| $75,001 to $110,000 | $20,182.00 |
| Over $110,000 | $21,594.00 |
Use University of Toledo Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
The median graduating debt at University of Toledo comes to $14,750.00, which federal data classifies as a Low ($10-20k) debt-burden bucket.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $5,500.00 |
| Median (50th) | $14,750.00 |
| 75th | $25,655.00 |
| 90th | $36,500.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student loan debt page.
Student debt at graduation is not evenly distributed across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,521.00 |
| Middle income | $14,250.00 |
| High income | $14,702.00 |
Low-income borrowers graduate with $819.00 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 | $15,000.00 |
| Continuing-generation students | $14,000.00 |
First-gen students at University of Toledo graduate with $1,000.00 in additional median debt versus continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The Pell-versus-non-Pell median debt difference at University of Toledo stands at $3,313.00. This institution is flagged by federal data for Pell-debt inequity.
The Department of Education default-rate tier for University of Toledo is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 10.6% |
For a sense of scale, Stafford disbursements at University of Toledo reach $1,973,326,750.00 distributed across 74,177 borrowers.
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 | 177 |
| Avg GI Bill amount | $9,124.00 |
| DoD Tuition Assistance recipients | 21 |
| Avg DoD Tuition Assistance | $3,695.00 |
Dig into veteran education benefits on the veterans benefits detail.
Beyond the data above, it helps to ask a few questions when weighing University of Toledo, the questions below are worth your time:
Dig further into the cost picture with the related pages below:
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.