University of Minnesota-Duluth
Duluth, MN
Affordability & debt
- Average net price
- $18,743per year, after aid
- Undergraduates with a federal loan
- 44%
- Undergraduates receiving a Pell grant
- 19%need-based, not repaid
- Typical debt at graduation
- $22,024federal loans, students who finished
- Reducing their balance within 3 years
- 75%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $22,024. At 7% over 10 years — the standard federal plan — that is roughly $256 a month, about $30,686 repaid in total, of which $8,662 is interest.
Stretch the same balance over 25 years and the payment drops to $156 a month — but the total climbs to $46,698, roughly $16,012 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.
University of Minnesota-Duluth’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
- $14,610published rate
- Out-of-state tuition
- $20,130published 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
- 89%
- Average SAT
- 1,251of admitted students
- Average ACT
- 25of admitted students
Context for the class as a whole, not a prediction about any one applicant.
Outcomes
- Median earnings
- $62,61610 years after entry
Median earnings of former students who received federal aid, measured 10 years after they started.
Campus life
- Campus setting
- City: Small
- Residential character
- Primarily residential — many students live on campus
Most common fields of study
- Business & marketing17%
- Engineering12%
- Biological & biomedical sciences9%
- Computer & information sciences8%
- Psychology7%
- Education6%
Share of degrees awarded, by broad field.
Athletics
NCAA Division II with football
- Baseball
- Basketball
- Cross Country
- Football
- Ice Hockey
- Soccer
- Softball
- Tennis
- Track and Field
- Volleyball
What borrowing would really cost
Starting from the typical debt at University of Minnesota-Duluth. Change any figure to see your own.
Standard plan — 10 years
$256per month
- Total repaid
- $30,686
- Interest paid
- $8,662
Longer term — 25 years
$156per month
- Total repaid
- $46,698
- Interest paid
- $24,674
Borrow $22,024 and repay it over 25 years instead of 10, and you pay $16,012 more — $46,698 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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