# SUNY Cortland Loans, Tuition, Costs & More

This is the complete guide to SUNY Cortland tuition, costs and student loans. If you’re considering SUNY Cortland, you’re likely focussed on that huge, glaring sticker price: $N/A.

If you’re still trying to figure out if you can get into the school, try our college chances calculator for SUNY Cortland

That expensive sticker price can be extremely misleading and does not usually represent the true cost of SUNY Cortland. The reality is that a huge percentage of students who attend SUNY Cortland do not pay that number.

What you are most likely concerned with is what you and your family will pay for SUNY Cortland, which is dependent on a range of factors from family income to state residency.

Before we get started, if you have any doubts about your ability to afford SUNY Cortland and are interested in student loans to support your education, the below vendors specifically lend to SUNY Cortland students - click any of them to learn more about their rates and requirements.

Now, let’s break down that scary sticker price first.

## How much is SUNY Cortland tuition?

The stated tuition for out-of-state students at SUNY Cortland is $18316 while in-state students pay $8536. The dictionary definition of tuition is the “price of payment for instruction.” That’s an important distinction from the total cost of attending SUNY Cortland.

Essentially, tuition is only what you pay to attend classes at SUNY Cortland. The annual charge of $18316 or $8536 often excludes dozens of other miscellaneous expenses, such as housing, textbooks, meals, fees and more. Therefore, the true cost of SUNY Cortland is much higher than either of these prices (more on this later).

At the same time, however, tuition does not take into account factors that can help a student or family afford college, such as scholarships, student loans and grants.

Therefore, although an important benchmark, the $8536 for SUNY Cortland is likely not a good indicator of what you can expect to pay if you attend the school.

## What is the total cost of SUNY Cortland?

If you’re already thinking of this question, you’re one step ahead of us! And you’re on the right track… .The total cost of attending SUNY Cortland is $N/A and is much more indicative of how much you will pay over the course of one year to attend the school - with one BIG caveat: total cost excludes financial supports that help reduce the cost of attending school, like scholarships at SUNY Cortland.

Still, if you do not plan on receiving financial aid, student loans and the like then the SUNY Cortland cost of attendance is the best indicator to consider.

## What does the total cost of SUNY Cortland include?

The total cost of SUNY Cortland includes tuition and other common, material expenses, like textbooks and supplies, room and board, and meal costs, minus the average amount of financial aid and scholarships.

**
Importantly,
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this does not reflect the price you will likely pay based on your income bracket.

## What is the price of room and board at SUNY Cortland?

The cost of rooming and dorms at SUNY Cortland is $7900

The cost of meals at SUNY Cortland is $4910.

SUNY Cortland does not fully report room and boarding charges.

## How much is SUNY Cortland out of state tuition?

Out of state tuition for SUNY Cortland is $18316.

## How much is SUNY Cortland in state tuition?

In state state tuition for SUNY Cortland is $8536.

## How can I afford SUNY Cortland?

You should use a variety of financial tools to offset the cost of SUNY Cortland.

It’s easy to lose track of all the assets at your disposal, but the most common can be categorized into grants, loans, and scholarships.

At SUNY Cortland, 0.3178% of students receive a pell grant. Furthermore, 0.6762% of students borrow federal student loans to help pay for the school.

If you will use student loans to help pay for SUNY Cortland, these providers below all work with SUNY Cortland students.

## How much will I pay for SUNY Cortland?

This is the million dollar question - literally! SUNY Cortland students pay a variety of prices to attend the institution, as you already know. A very easy way to determine an average price you can expect to pay is by using your average family income and comparing it to the table below.

For additional insight, try using the SUNY Cortland net price calculator.

Family Annual Income | Average Net Price for SUNY Cortland |
---|---|

$0 - 30,000 | 11946 |

$30,001 - 48,000 | 14617 |

$48,001 - 75,000 | 17586 |

$75,001 - 110,000 | 19955 |

$110,001+ | 23431 |

## How much debt will I graduate with from SUNY Cortland?

Beyond the years you plan on spending at SUNY Cortland, the financial repercussions of SUNY Cortland tuition will stay with you for awhile, especially if you take out loans to finance the education.

The median debt for students who have completed a degree at SUNY Cortland is $21500.0. We can break down this number further by household income and student type (see where you might fit in):

Family Income and Student Types | Median Debt from SUNY Cortland |
---|---|

$0 - 30,000 Family income | 17750.0 |

$30,001 - 75,000 Family income | 16750.0 |

$75,000+ Family income | 17500.0 |

The median debt for Pell students | 18500.0 |

The median debt for female students | 18225.0 |

The median debt for male students | 15250.0 |

The median debt for first-generation students | 17750.0 |

## Is SUNY Cortland worth the cost?

Going to college is an investment, and like all investments, you should look at the ROI of attending SUNY Cortland.

Luckily, we can provide some insightful data to help determine whether or not SUNY Cortland is worth the cost by examining what past graduates are earning now.

The average salary of students who were working six years after graduating from SUNY Cortland is $38100 (the median is $36000).

After 8 years, the average salary for SUNY Cortland graduates is $N/A.

10 years out, the average salary for SUNY Cortland graduates is $49200.

I think it’s particularly interesting to look at the salary 10 years after graduation, and it’s probably more indicative of whether SUNY Cortland is worth the cost. The real upside of a college degree is that it puts you on a path where your future salary can increase substantially, and it may be hard to achieve that upside without a college degree.

For example, after graduating from SUNY Cortland you may get a job where the salary is not too much more than you’d make without a college degree, and you may have taken out a lot of loans to get there!

However, if you stay in that position for 5 or 10 years, you will likely begin doubling and tripling what you’re making.

The future earnings potential is going to be much higher if you go to SUNY Cortland compared to not attending college at all. Therefore, it’s about maximizing that opportunity and reducing the debt needed to get there.

## How do SUNY Cortland graduates fare compared to similar schools?

This is an important question because if you’re considering SUNY Cortland, you likely have other options on the table.

Often times, students enroll in the cheapest university available to them. But, as we know from above, this isn’t the whole story.

For example, you would pay 5% more for a college if you knew the average salary would also be 10% higher, wouldn’t you?

There’s a lot of reasons why the average salary for SUNY Cortland students would differ from its peer schools. Perhaps the most popular areas of study align with higher or lower paying careers, or the school has a massive and supportive alumni network.

Here are just a few related schools to SUNY Cortland that may be of interest. Click on any one to break down their costs and performance outcomes further.

Related School | Average Net Price | Average Salary after 10 years |
---|---|---|

Ramapo College | 20216 | 56300 |

Fordham University (FU) | N/A | 67000 |

SUNY Oswego | 15575 | 47100 |

Loyola University Maryland | N/A | 78300 |

## How much does SUNY Cortland cost per semester?

Assuming there are two semesters at SUNY Cortland and you are an in-state student, you will pay $4268 per semester. If you are out-of-state, you will pay $9158 per semester.

## How much does SUNY Cortland cost per year?

This is effectively the total annual cost of SUNY Cortland, which is $N/A. However, you can also add room and board, textbooks, and other fees listed above onto that number to better determine how you will really spend in one year of attendance.

## Is it possible to attend SUNY Cortland for free?

In theory, yes it is possible to attend SUNY Cortland for free. If you are a stellar student, you may get a scholarship to cover the entire cost of the education.

Similarly, if you are a student athlete, you may receive a full scholarship to be on a sports team.

Unless you are receiving a “full ride” (e.g. full scholarship) to attend SUNY Cortland, though, it won’t be free. If you take out loans to finance the school, you may pay very little in the near term but all of that money must still be paid off in the long term.

If you're trying to get in to SUNY Cortland read about the requirements here