by our College Data Analytics TeamBelow is the data on what it actually costs to attend Westfield State University, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
If you want to dig into a particular figure, jump to any section below:
The full cost of attending Westfield State University came in between $26,435.00 to $32,515.00 based on in-state versus out-of-state status.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: around $26,435.00 in-state, rising to $32,515.00 for non-residents.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $12,179.00 |
| + Room, board & other expenses | $14,256.00 |
| Total cost | $26,435.00 |
| That is 37% above the national average net price. |
| Total cost | $26,435.00 |
| − Grants and scholarships | −$10,928.00 |
| Net price | $15,507.00 |
| That is 19% below the national average net price. |
| Total cost | $26,435.00 |
| − Grants and scholarships | −$16,898.00 |
| Net price | $9,537.00 |
| That is 50% below the national average net price. |
| Tuition and fees | $18,259.00 |
| + Room, board & other expenses | $14,256.00 |
| Total cost | $32,515.00 |
| That is 69% above the national average net price. |
| Total cost | $32,515.00 |
| − Grants and scholarships | −$10,928.00 |
| Net price | $21,587.00 |
| That is 12% above the national average net price. |
| Total cost | $32,515.00 |
| − Grants and scholarships | −$16,898.00 |
| Net price | $15,617.00 |
| That is 19% below the national average net price. | |
| Explore each piece on the tuition & fees page and room and board. |
Published costs have climbed year over year by roughly 2.0% per year; the projections below compound that across a degree. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. 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 | 2.0% | 2.0% | 2.0% |
| Freshman year | $9,725.00 | $15,813.00 | $26,957.00 |
| Senior year | $10,313.00 | $16,768.00 | $28,585.00 |
| Total 4-year net price | $40,068.00 | $65,151.00 | $111,063.00 |
| 10-year loan interest @ 6.8% | $15,265.00 | $24,820.00 | $42,311.00 |
| Total monthly payment | $461.00 | $750.00 | $1,278.00 |
| Total amount paid | $55,333.00 | $89,971.00 | $153,374.00 |
| 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 | $9,725.00 | $15,813.00 | $26,957.00 |
| Senior year | $9,917.00 | $16,125.00 | $27,489.00 |
| Total 2-year net price | $19,643.00 | $31,939.00 | $54,446.00 |
| 10-year loan interest @ 6.8% | $7,483.00 | $12,167.00 | $20,742.00 |
| Total monthly payment | $226.00 | $368.00 | $627.00 |
| Total amount paid | $27,126.00 | $44,106.00 | $75,188.00 |
| 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 | $15,925.00 | $22,013.00 | $33,157.00 |
| Senior year | $16,887.00 | $23,343.00 | $35,160.00 |
| Total 4-year net price | $65,613.00 | $90,695.00 | $136,607.00 |
| 10-year loan interest @ 6.8% | $24,996.00 | $34,551.00 | $52,043.00 |
| Total monthly payment | $755.00 | $1,044.00 | $1,572.00 |
| Total amount paid | $90,609.00 | $125,246.00 | $188,650.00 |
| 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 | $15,925.00 | $22,013.00 | $33,157.00 |
| Senior year | $16,240.00 | $22,448.00 | $33,812.00 |
| Total 2-year net price | $32,165.00 | $44,461.00 | $66,969.00 |
| 10-year loan interest @ 6.8% | $12,254.00 | $16,938.00 | $25,513.00 |
| Total monthly payment | $370.00 | $512.00 | $771.00 |
| Total amount paid | $44,419.00 | $61,399.00 | $92,481.00 |
Read more in the Net Price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $16,721.00 |
| Average net price (off-campus) | $18,561.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $11,168.00 |
| $30,000 to $48,000 | $13,563.00 |
| $48,001 to $75,000 | $16,154.00 |
| $75,001 to $110,000 | $21,803.00 |
| Over $110,000 | $24,459.00 |
For a personalized estimate, try the Westfield State University Net Price Calculator, or contact the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
Typical debt at graduation from Westfield State University works out to $15,250.00, categorized as a Low ($10-20k) debt-burden bucket.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,751.00 |
| 25th | $5,710.00 |
| Median (50th) | $15,250.00 |
| 75th | $26,261.00 |
| 90th | $27,000.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Read the complete debt breakdown on the student loan debt page.
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 | $13,687.00 |
| Middle income | $15,250.00 |
| High income | $17,126.00 |
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,212.00 |
| Continuing-generation students | $15,250.00 |
The Pell Grant is the main federal need-based award for undergraduates. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The Pell vs non-Pell debt gap at Westfield State University stands at $750.00. Federal data flags this school for Pell-related debt inequity.
The federal default-rate classification for Westfield State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 3.0% |
For a sense of scale, Stafford disbursements at Westfield State University add up to $308,479,997.00 spread across 19,400 student borrowers.
Veterans and current servicemembers may be eligible for major federal education benefits like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 110 |
| Avg GI Bill amount | $3,842.00 |
| DoD Tuition Assistance recipients | 1 |
| Avg DoD Tuition Assistance | $1,680.00 |
Read more about military and veteran aid on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing Westfield State University, 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.