United States Merchant Marine Academy

Kings Point, NY

Public small campus Suburb: Large 962 undergrads

Affordability & debt

Average net price
$6,174per year, after aid
Undergraduates with a federal loan
6%
Undergraduates receiving a Pell grant
8%need-based, not repaid
Typical debt at graduation
$8,833federal loans, students who finished

What that debt costs to repay. Typical debt here is about $8,833. At 7% over 10 years — the standard federal plan — that is roughly $103 a month, about $12,307 repaid in total, of which $3,474 is interest.

Stretch the same balance over 25 years and the payment drops to $62 a month — but the total climbs to $18,729, roughly $6,422 more in interest. A smaller payment is not a smaller loan.

An estimate, not financial advice: straight amortization at a fixed rate, ignoring fees, interest accrued while enrolled, and any forgiveness or income-driven plan. Figures on this page are averages and medians — what any one family borrows and pays varies widely. Try your own numbers.

United States Merchant Marine Academy’s net price calculator — every college is required to publish one. It is the only way to get a cost estimate based on your family’s own finances rather than an average.

Published tuition

In-state tuition
$895published rate
Out-of-state tuition
$895published rate

The sticker price before any aid. Most students pay less than this — the net price above is what aided students actually paid on average.

Admissions

Acceptance rate
34%
Average SAT
1,207of admitted students
Average ACT
27of admitted students

Context for the class as a whole, not a prediction about any one applicant.

Outcomes

Median earnings
$90,61010 years after entry

Median earnings of former students who received federal aid, measured 10 years after they started.

Campus life

Campus setting
Suburb: Large
Residential character
Highly residential — most students live on campus

Most common fields of study

  • Engineering56%
  • Transportation44%

Share of degrees awarded, by broad field.

Athletics

NCAA Division III with football

  • Baseball
  • Basketball
  • Cross Country
  • Diving
  • Football
  • Lacrosse
  • Soccer
  • Swimming
  • Tennis
  • Track and Field
  • Volleyball
  • Wrestling

What borrowing would really cost

Starting from the typical debt at United States Merchant Marine Academy. Change any figure to see your own.

Federal undergraduate loans have recently been near 7%. Private loans are often higher.

Standard plan — 10 years

$103per month

Total repaid
$12,307
Interest paid
$3,474

Longer term — 25 years

$62per month

Total repaid
$18,729
Interest paid
$9,896

Borrow $8,833 and repay it over 25 years instead of 10, and you pay $6,422 more — $18,729 in all, about 2.1× what you borrowed. The monthly payment is smaller; the loan is not.

An estimate, not financial advice. Straight amortization at a fixed rate: it assumes every payment is made on time and the rate never changes, and it leaves out fees, interest that accrues while you’re still enrolled, and any forgiveness or income-driven plan. Planning4College is not a financial advisor and sells no loans. Check real terms with your school’s financial aid office and studentaid.gov.

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Data from the U.S. Department of Education’s College Scorecard and the Equity in Athletics survey. Figures reflect the most recent reporting year available and may be out of date or incomplete — confirm anything decision-critical with the college directly. Official site: United States Merchant Marine Academy.