by our College Data Analytics TeamThis guide covers the real cost of attending University of Virginia-Main Campus, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
If you want to dig into a particular figure, jump to any section below:
Published attendance costs at University of Virginia-Main Campus ranged from $38,132.00 to $75,841.00 depending on residency and living arrangement.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: near $38,132.00 for in-state students versus $75,841.00 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 | $21,803.00 |
| + Room, board & other expenses | $16,329.00 |
| Total cost | $38,132.00 |
| That is 98% above the national average net price. |
| Total cost | $38,132.00 |
| − Grants and scholarships | −$18,361.00 |
| Net price | $19,771.00 |
| That is 3% above the national average net price. |
| Total cost | $38,132.00 |
| − Grants and scholarships | −$31,752.00 |
| Net price | $6,380.00 |
| That is 67% below the national average net price. |
| Tuition and fees | $59,512.00 |
| + Room, board & other expenses | $16,329.00 |
| Total cost | $75,841.00 |
| That is 294% above the national average net price. |
| Total cost | $75,841.00 |
| − Grants and scholarships | −$18,361.00 |
| Net price | $57,480.00 |
| That is 199% above the national average net price. |
| Total cost | $75,841.00 |
| − Grants and scholarships | −$31,752.00 |
| Net price | $44,089.00 |
| That is 129% above the national average net price. | |
| Go deeper on the components with the tuition & fees page and living costs. |
Costs have trended upward in recent years at about 3.5% 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. 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 | 3.5% | 3.5% | 3.5% |
| Freshman year | $6,606.00 | $20,470.00 | $39,480.00 |
| Senior year | $7,331.00 | $22,718.00 | $43,816.00 |
| Total 4-year net price | $27,856.00 | $86,324.00 | $166,492.00 |
| 10-year loan interest @ 6.8% | $10,612.00 | $32,886.00 | $63,427.00 |
| Total monthly payment | $321.00 | $993.00 | $1,916.00 |
| Total amount paid | $38,469.00 | $119,211.00 | $229,919.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $6,606.00 | $20,470.00 | $39,480.00 |
| Senior year | $6,839.00 | $21,193.00 | $40,875.00 |
| Total 2-year net price | $13,445.00 | $41,663.00 | $80,355.00 |
| 10-year loan interest @ 6.8% | $5,122.00 | $15,872.00 | $30,612.00 |
| Total monthly payment | $155.00 | $479.00 | $925.00 |
| Total amount paid | $18,566.00 | $57,536.00 | $110,968.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $45,647.00 | $59,512.00 | $78,522.00 |
| Senior year | $50,661.00 | $66,048.00 | $87,147.00 |
| Total 4-year net price | $192,501.00 | $250,969.00 | $331,137.00 |
| 10-year loan interest @ 6.8% | $73,336.00 | $95,610.00 | $126,151.00 |
| Total monthly payment | $2,215.00 | $2,888.00 | $3,811.00 |
| Total amount paid | $265,838.00 | $346,579.00 | $457,288.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $45,647.00 | $59,512.00 | $78,522.00 |
| Senior year | $47,261.00 | $61,615.00 | $81,297.00 |
| Total 2-year net price | $92,909.00 | $121,127.00 | $159,819.00 |
| 10-year loan interest @ 6.8% | $35,395.00 | $46,145.00 | $60,885.00 |
| Total monthly payment | $1,069.00 | $1,394.00 | $1,839.00 |
| Total amount paid | $128,303.00 | $167,272.00 | $220,705.00 |
See the full net-price breakdown in the Net Price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $21,565.00 |
| Average net price (off-campus) | $21,479.00 |
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 | $10,123.00 |
| $30,000 to $48,000 | $8,842.00 |
| $48,001 to $75,000 | $14,658.00 |
| $75,001 to $110,000 | $24,023.00 |
| Over $110,000 | $34,777.00 |
Estimate your specific net price using the school’s University of Virginia-Main Campus Net Price Calculator, or visit the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
The median graduating debt at University of Virginia-Main Campus is $15,153.00, categorized as a Low ($10-20k) debt-burden bucket.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $5,000.00 |
| 25th | $8,196.00 |
| Median (50th) | $15,153.00 |
| 75th | $26,652.00 |
| 90th | $30,684.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Dig deeper into debt on the student loan debt page.
Family income tracks closely with debt at graduation. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $10,047.00 |
| Middle income | $15,000.00 |
| High income | $18,414.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $14,339.00 |
| Continuing-generation students | $16,750.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The median debt gap between Pell and non-Pell graduates of University of Virginia-Main Campus comes to $-5,037.00.
The default-rate classification at University of Virginia-Main Campus is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 1.5% |
For context on the loan portfolio, Stafford disbursements at University of Virginia-Main Campus total $818,973,614.00 covering 31,638 borrowers.
Veterans and active-duty students can access dedicated federal education aid such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 534 |
| Avg GI Bill amount | $30,272.00 |
| DoD Tuition Assistance recipients | 11 |
| Avg DoD Tuition Assistance | $1,318.00 |
Dig into veteran education benefits on the veterans benefits detail.
The data above is a foundation; round it out by asking yourself about University of Virginia-Main Campus, the questions below are worth your time:
For a closer look at any of these topics, follow the links 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.