Annual Costs

Undergraduate Tuition

SUNY at Albany tuition is $6,870 per year for in-state residents. This is 5% cheaper than the national average public four year tuition of $7,203. The cost is 70% cheaper than the average New York tuition of $22,793 for 4 year colleges. Tuition ranks 24th in New York amongst 4 year colleges for affordability and is the 162nd most expensive 4 year college in the state. If attending from out-of-state, the tuition is $23,710 which represents a 245% premium.

The school charges an additional fees of $3,141 in addition to tuition bringing the total effective in-state tuition to $10,011.

Housing Costs

On campus room and board is provided by the school at a cost of $14,003 per academic year. Students electing to live off campus elsewhere in Albany should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,000.

Other Living Expenses

If living on-campus, students should budget for $1,720 in additional living expenses. Off-campus students should budget for $2,120 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state New York residents to go to University at Albany- SUNY is $26,734 for the 2018/2019 academic year. Out-of-state students who don't have New York residence can expect a one year cost of $43,574.

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

Costs and Tuition for SUNY at Albany
Estimated Budgets
New York Resident Total Budget $26,734
   In-State Tuition$6,870
   Other Fees$3,141
   Room and Board$14,003
   On-Campus Other Budget$1,720
   Books and Supplies$1,000
Non-Resident Total Budget $43,574
   Out-of-State Tuition$23,710
   Other Fees$3,141
   Room and Board$14,003
   On-Campus Other Budget$1,720
   Books and Supplies$1,000


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 $26,734 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 University at Albany- SUNY net price for in-state students is $16,100* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

63% of SUNY at Albany students received grant aid in 2014/2015. The average total aid amount was $9,096. 41 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 $4,834. To apply for a Pell Grant to attend SUNY at Albany, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for SUNY at Albany
Financial Aid Summary
Average Annual Net Price$16,100*
Percent of Students Receiving Grant Aid63%
Average Total Grant Aid$9,096
Percent of Students Receiving Pell Grants41%
Average Amount of Pell Grant Aid$4,834

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$12,149
$30,001 to $48,000$14,787
$48,001 to $75,000$20,564
$75,001 to $110,000$23,139

Average Financial Aid Mix - $26,734 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $26,734. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 36% - $9,096

Money granted to you by the U.S. Department of Education, SUNY at Albany or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 24% - $6,000

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

Out of Pocket

 40% -  $9,918

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.

Tuition Comparison to Similar Public Colleges in the Region

School Cost vs. SUNY at Albany
SUNY College at Oneonta0% less expensive
SUNY College of Environmental Science and Forestry0% less expensive
SUNY College at Cortland0% less expensive
University of Vermont132% more expensive
CUNY Hunter College2% less expensive

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 SUNY at Albany.

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 University at Albany- SUNY is $106,936 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 $12,697 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $50,788**

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 $133,670 or $63,485 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 SUNY at Albany.

New York Resident Tuition Per Semester$3,435
New York Resident Total Cost Per Semester$13,367
Non-New York Resident Tuition Per Semester$11,855
Non-New York Resident Total Cost Per Semester$21,787

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 SUNY at Albany 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 SUNY at Albany
Price per credit hour for New York residents$286
Cost for one class for New York residents (3 credit hours)$858
Price per credit hour for out of state residents$988
Cost for one class for out of state residents (3 credit hours)$2,964
Cost for one class for out of state residents (4 credit hours)$3,952


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. 63% of SUNY at Albany students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $6,000.

Example Loan Payments and Costs

How much are student loan payments for SUNY at Albany? 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 $50,788, 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 $63,016.26. This could be your effective total out of pocket cost of an education at SUNY at Albany. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 63% of students at this school who receive financial aid and you are paying an average annual net price of $12,697. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our SUNY at Albany 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.

SUNY at Albany Student Loan Payments
Example Payments
Monthly Loan Payment$525.14
Amount Borrowed$50,788.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$12,228.26
Sum of All Payments over 10 years$63,016.26

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend University at Albany- SUNY? 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 SUNY at Albany, 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 $63,016.26 would be needed to afford a $525.14 monthly payment in the example $50,788.00 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 SUNY at Albany in the future? In the past four years, this school's published in-state tuition and fee total rose from $5,570 to $6,870. This amounts to an average annual price increase of 4.7%. 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 $106,936.00. 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 SUNY at Albany.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$36,765$147,062
Estimated Cost in 10 years for students enrolling in 2030$46,923$187,692
Estimated Cost in 15 years for students enrolling in 2035 $59,887$239,548
Estimated Cost in 18 years for students enrolling in 2038 $69,327$277,307


Use the calculators below to formulate a college savings plan for SUNY at Albany 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 SUNY at Albany 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 SUNY at Albany student loan.

Prepayment Option

About SUNY at Albany

SUNY at Albany is a four year public college located in Albany, New York.  Full time enrollment is 15,056 and part time is 2,888. Learn more about getting accepted at SUNY at Albany at CollegeSimply.

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

SUNY at Albany
1400 Washington Avenue
Albany, New York

For Profit / Not For Profit Status

SUNY at Albany 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.

SUNY at Albany cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=196060 IPEDS survey data.