Annual Costs

Undergraduate Tuition

Montana State University Northern tuition is $4,402 per year for in-state residents. This is 38% cheaper than the national average public four year tuition of $7,203. The cost is 63% cheaper than the average Montana tuition of $12,269 for 4 year colleges. Tuition ranks 2nd in Montana amongst 4 year colleges for affordability and is the 9th most expensive 4 year college in the state. If attending from out-of-state, the tuition is $16,602 which represents a 277% premium.

The school charges an additional fees of $1,459 in addition to tuition bringing the total effective in-state tuition to $5,861.

Housing Costs

On campus room and board is provided by the school at a cost of $6,470 per academic year. Students electing to live off campus elsewhere in Havre should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,200.

Other Living Expenses

If living on-campus, students should budget for $3,200 in additional living expenses. Off-campus students should budget for $3,200 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Montana residents to go to Montana State University-Northern is $16,731 for the 2018/2019 academic year. Out-of-state students who don't have Montana residence can expect a one year cost of $28,931.

Citation: Price data from the U.S. Department of Education's 2018-2019 and 2017-2018 IPEDS survey response for Montana State University Northern and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Montana State University Northern
Estimated Budgets
Montana Resident Total Budget $16,731
   In-State Tuition$4,402
   Other Fees$1,459
   Room and Board$6,470
   On-Campus Other Budget$3,200
   Books and Supplies$1,200
Non-Resident Total Budget $28,931
   Out-of-State Tuition$16,602
   Other Fees$1,459
   Room and Board$6,470
   On-Campus Other Budget$3,200
   Books and Supplies$1,200


What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $16,731 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported Montana State University-Northern net price for in-state students is $11,513* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

77% of Montana State University Northern students received grant aid in 2014/2015. The average total aid amount was $4,619. 46 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,024. To apply for a Pell Grant to attend Montana State University Northern, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Montana State University Northern
Financial Aid Summary
Average Annual Net Price$11,513*
Percent of Students Receiving Grant Aid77%
Average Total Grant Aid$4,619
Percent of Students Receiving Pell Grants46%
Average Amount of Pell Grant Aid$4,024

Average Net Price for In-State Students by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$11,788
$30,001 to $48,000$12,088
$48,001 to $75,000$15,221
$75,001 to $110,000$16,068

Average Financial Aid Mix - $16,731 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $16,731. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 34% - $4,619

Money granted to you by the U.S. Department of Education, Montana State University Northern or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 35% - $4,726

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 31% -  $4,186

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at Montana State University Northern.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at Montana State University-Northern is $66,924 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $11,407 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $45,628**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $83,655 or $57,035 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at Montana State University Northern.

Montana Resident Tuition Per Semester$2,201
Montana Resident Total Cost Per Semester$8,366
Non-Montana Resident Tuition Per Semester$8,301
Non-Montana Resident Total Cost Per Semester$14,466

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at Montana State University Northern are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at Montana State University Northern
Price per credit hour for Montana residents$285
Cost for one class for Montana residents (3 credit hours)$855
Price per credit hour for out of state residents$798
Cost for one class for out of state residents (3 credit hours)$2,394
Cost for one class for out of state residents (4 credit hours)$3,192


Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 59% of Montana State University Northern students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $4,726.

Example Loan Payments and Costs

How much are student loan payments for Montana State University Northern? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $45,628, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $56,613.88. This could be your effective total out of pocket cost of an education at Montana State University Northern. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 77% of students at this school who receive financial aid and you are paying an average annual net price of $11,407. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Montana State University Northern student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

Montana State University Northern Student Loan Payments
Example Payments
Monthly Loan Payment$471.78
Amount Borrowed$45,628.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$10,985.88
Sum of All Payments over 10 years$56,613.88

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Montana State University-Northern? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending Montana State University Northern, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $56,613.88 would be needed to afford a $471.78 monthly payment in the example $45,628.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to Montana State University Northern in the future? In the past four years, this school's published in-state tuition and fee total rose from $4,182 to $4,402. This amounts to an average annual price increase of 1.1%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 4 year cost of $66,924.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Montana State University Northern.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$23,009$92,036
Estimated Cost in 10 years for students enrolling in 2030$29,366$117,464
Estimated Cost in 15 years for students enrolling in 2035 $37,479$149,917
Estimated Cost in 18 years for students enrolling in 2038 $43,387$173,548

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Montana State University Northern to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Registered Nursing/Registered Nurse Associate's Degree 62 43% costlier
Elementary Education and Teaching Bachelor's Degree 22 18% cheaper
Diesel Mechanics Technology/Technician Associate's Degree 12 60% costlier
Business Administration, Management and Operations, Other Associate's Degree 11 42% costlier
Electrical and Electronic Engineering Technologies/Technicians, Other Associate's Degree 11 38% costlier
Physical Education Teaching and Coaching Bachelor's Degree 10 17% cheaper
Plumbing Technology/Plumber Associate's Degree 9 45% costlier
Agriculture, Agriculture Operations, and Related Sciences, Other Associate's Degree 9 36% costlier
Automobile/Automotive Mechanics Technology/Technician Associate's Degree 8 58% costlier
Engineering Technologies and Engineering-Related Fields, Other Bachelor's Degree 7 8% cheaper
Secondary Education and Teaching Bachelor's Degree 7 21% cheaper
Biology/Biological Sciences, General Bachelor's Degree 6 28% cheaper
Information Science/Studies Bachelor's Degree 4 26% cheaper
Liberal Arts and Sciences, General Studies and Humanities, Other Bachelor's Degree 4 31% cheaper
Health and Physical Education/Fitness, Other Bachelor's Degree 3 20% cheaper
Commercial and Advertising Art Bachelor's Degree 3 24% cheaper
Education, General Associate's Degree 3 53% costlier
Autobody/Collision and Repair Technology/Technician Associate's Degree 3 57% costlier
Agricultural Mechanization, General Bachelor's Degree 2 12% cheaper
Drafting and Design Technology/Technician, General Associate's Degree 2 69% costlier
Mathematics, General Bachelor's Degree 2 29% cheaper
Industrial Technology/Technician Bachelor's Degree 2 3% cheaper
Trade and Industrial Teacher Education Bachelor's Degree 2 8% cheaper
Energy Management and Systems Technology/Technician Associate's Degree 1 55% costlier
Community Organization and Advocacy Bachelor's Degree 1 26% cheaper


Use the calculators below to formulate a college savings plan for Montana State University Northern or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford Montana State University Northern in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a Montana State University Northern student loan.

Prepayment Option

About Montana State University Northern

Montana State University Northern is a four year public college located in Havre, Montana.  Full time enrollment is 893 and part time is 314. Learn more about getting accepted at Montana State University Northern at CollegeSimply.

Students attending this school may pursue both undergraduate and graduate degrees.

Montana State University Northern
300 W 11th St
Havre, Montana

For Profit / Not For Profit Status

Montana State University Northern is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

Montana State University Northern cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=180522 IPEDS survey data.