USF Loans, Tuition, Costs & More

This is the complete guide to USF tuition, costs and student loans. If you’re considering University of South Florida-Main Campus, 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 USF

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    This free college chances tool calculates your acceptance chances at USF or any other U.S. college

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

    What you are most likely concerned with is what you and your family will pay for University of South Florida-Main Campus, 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 USF and are interested in student loans to support your education, the below vendors specifically lend to USF 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 USF tuition?

    The stated tuition for out-of-state students at University of South Florida-Main Campus is $17324 while in-state students pay $6410. The dictionary definition of tuition is the “price of payment for instruction.” That’s an important distinction from the total cost of attending USF.

    Essentially, tuition is only what you pay to attend classes at USF. The annual charge of $17324 or $6410 often excludes dozens of other miscellaneous expenses, such as housing, textbooks, meals, fees and more. Therefore, the true cost of USF 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 $6410 for University of South Florida-Main Campus is likely not a good indicator of what you can expect to pay if you attend the school.

    What is the total cost of USF?

    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 USF 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 USF.

    Still, if you do not plan on receiving financial aid, student loans and the like then the University of South Florida-Main Campus cost of attendance is the best indicator to consider.

    What does the total cost of USF include?

    The total cost of USF 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, this does not reflect the price you will likely pay based on your income bracket.

    What is the price of room and board at USF?

    The cost of rooming and dorms at USF is $5750

    The cost of meals at USF is $3950.

    USF does not fully report room and boarding charges.

    How much is USF out of state tuition?

    Out of state tuition for USF is $17324.

    How much is University of South Florida-Main Campus in state tuition?

    In state state tuition for USF is $6410.

    How can I afford USF?

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

    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 University of South Florida-Main Campus, 0.3758% of students receive a pell grant. Furthermore, 0.3859% of students borrow federal student loans to help pay for the school.

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

    How much will I pay for USF?

    This is the million dollar question - literally! USF 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 University of South Florida-Main Campus net price calculator.

    Family Annual Income Average Net Price for USF
    $0 - 30,000 6061
    $30,001 - 48,000 7304
    $48,001 - 75,000 10587
    $75,001 - 110,000 16064
    $110,001+ 16364

    How much debt will I graduate with from USF?

    Beyond the years you plan on spending at University of South Florida-Main Campus, the financial repercussions of USF 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 USF is $18750.0. 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 USF
    $0 - 30,000 Family income 15822.0
    $30,001 - 75,000 Family income 15645.0
    $75,000+ Family income 15000.0
    The median debt for Pell students 16750.0
    The median debt for female students 15310.0
    The median debt for male students 15879.0
    The median debt for first-generation students 15630.0

    Is USF worth the cost?

    Going to college is an investment, and like all investments, you should look at the ROI of attending University of South Florida-Main Campus.

    Luckily, we can provide some insightful data to help determine whether or not USF 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 USF is $39400 (the median is $36800).

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

    10 years out, the average salary for USF graduates is $48500.

    I think it’s particularly interesting to look at the salary 10 years after graduation, and it’s probably more indicative of whether USF 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 USF 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 USF compared to not attending college at all. Therefore, it’s about maximizing that opportunity and reducing the debt needed to get there.

    How do USF graduates fare compared to similar schools?

    This is an important question because if you’re considering USF, 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 USF 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 USF that may be of interest. Click on any one to break down their costs and performance outcomes further.

    How much does USF cost per semester?

    Assuming there are two semesters at USF and you are an in-state student, you will pay $3205 per semester. If you are out-of-state, you will pay $8662 per semester.

    How much does USF cost per year?

    This is effectively the total annual cost of USF, 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 USF for free?

    In theory, yes it is possible to attend USF 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 USF, 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 USF read about the requirements here