Cost & ROI · 2026
Is State University of New York at Cortland worth it?
Pay $22,345/yr after aid. Graduates earn a median of $60,236 ten years out — about 2.7× the annual cost. EduGradify value grade: C.
The ROI math, in 30 seconds
Benchmarks
State University of New York at Cortland vs New York avg vs national avg
How this school stacks up against the typical New York college and the typical US college.
| Metric | State University of New York at Cortland | New York avg | National avg |
|---|---|---|---|
| Avg net price | ▼ $22,345 | $20,287 | $18,467 |
| Median earnings 10y | ▲ $60,236 | $56,137 | $50,834 |
| Median debt | ▼ $21,500 | $18,844 | $19,694 |
| Graduation rate | ▲ 68% | 54.3% | 49.9% |
| Acceptance rate | ▼ 59.8% | 66.5% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $112,432 over four years. Most students get $5,763/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $21,500 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 36% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're well below that threshold.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median State University of New York at Cortland grad earns about $609,440 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about State University of New York at Cortland
The average student at State University of New York at Cortland pays $22,345 a year after grants and scholarships, against a $28,108 published sticker price. That is above the NY average net price of $20,287.
Ten years after entry, graduates earn a median of $60,236 — above the NY median of $56,137. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $21,500, roughly $233 a month on a standard ten-year plan — a manageable load at about 36% of one year's median earnings.
Smart alternatives
Cheaper New York colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of State University of New York at Cortland.
New York, NY · Public CUNY Bernard M Baruch College A+ Frequently asked
Cost & ROI questions
What is the net price at State University of New York at Cortland?
The average net price — what students actually pay after grants and scholarships — is $22,345 per year. That's $5,763/yr in financial aid against the $28,108 sticker price. Over four years, that adds up to roughly $89,380.
How much do State University of New York at Cortland graduates earn?
Ten years after enrolling, State University of New York at Cortland graduates earn a median of $60,236 per year — above the national average of $50,834. That's about 2.7× the annual net cost.
How much debt do State University of New York at Cortland graduates take on?
Median federal loan debt at graduation is $21,500 — about $233/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 60.7% of students take federal loans.
Is State University of New York at Cortland worth the cost?
EduGradify assigns State University of New York at Cortland a value grade of C — top 58% on real ROI nationally. The math: pay $22,345/yr, earn $60,236/yr ten years out, ROI score of 6.74. Exceptional Investment.
What financial aid is available at State University of New York at Cortland?
27.4% of students receive federal Pell Grants (need-based federal aid). 60.7% take federal student loans. On average, students get $5,763 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at State University of New York at Cortland?
In-state tuition is $8,874 per year. Out-of-state tuition is $18,784 per year — a difference of $9,910/yr or $39,640 over four years.
How does net price change with family income at State University of New York at Cortland?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $12,550. Students from families earning over $110k pay about $25,853. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →