#11 Best Private Colleges in New York

Union College Tuition & Cost

Schenectady, New York

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How much does it cost to attend?

Sticker Price

Costs for Union College
Fee Cost
Other Fees$351
Books and Supplies$1,500
Room and Board $15,768
Other Expenses Budget$498

Annual Tuition & Costs

The annual tuition to attend Union College is $63,603. The cost is the same for both in-state and out-of-state students. Room and board fees are an additional $15,768. For educational materials, students should allocate approximately $1,500 for books and supplies plus $351 for other fees charged by the school. Finally, students should budget $498 for miscellaneous expenses throughout the year. With all these fees considered, the expected total cost to attend Union College on a full-time basis is $81,720 per annum.

Housing Costs

On campus room and board is provided by the school at a cost of $15,768 per academic year. Students electing to live off campus elsewhere in Schenectady should budget at least this amount.

Books and Supplies

The estimated annual cost for books and educational supplies is $1,500.

Other Living Expenses

If living on-campus, students should budget for $498 in additional living expenses. Off-campus students should budget for $498 in other miscellaneous living expenses.

All price data is sourced from the 2022/2023 U.S. Department of Education National Center for Education Statistics survey.
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Net Price

The average reported annual net price for Union College for students receiving grants or scholarship aid was $41,136* in 2019/2020. Net price includes tuition and required fees, books and supplies, and average cost for room and board and other expenses.

Average Net Price 2019/2020


Below is the average net price by student family income.

Net Price by Income Union College
Family Income Net Price Paid
$0 to $30,000$12,983
$30,001 to $48,000$15,785
$48,001 to $75,000$24,998
$75,001 to $110,000$26,382

The net price provides a more realistic estimate of the true cost of attending Union College, once common grants and scholarships have been taken into account. It's important to note that your net price will fluctuate based on factors such as family income, assets and individual financial need. Net price is the out-of-pocket total cost that students end up paying or financing though student loans.

*Reported Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2019/2020 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Financial Aid

93% of full-time undergrad Union College received financial aid in the form of grants, scholarships, fellowships from the institution or from Federal, State or local government agencies. This aid averaged $37,530 per student during the 2019/2020 school year. Grant and scholarship aid does not need to be paid back.

Pell Grants

12 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2019/2020 was $4,952. To apply for a Pell Grant to attend Union College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Student Loans

45% of students received Federal Student Loans averaging $4,946 and 12% of undergrads took out private student loans averaging $15,272.

Finanical Aid Union College
Type Avg./Student Students Receiving
Total Grant and Scholarship Aid $37,530 93%
Institutional Grants and Scholarships $36,384 93%
Pell Grants $4,952 12%
Other Federal Grants $890 12%
State and Local Grants $5,011 9%
Federal Student Loans $4,946 45%
Other Student Loans $15,272 12%

Financial Aid Mix - $81,720 Total Cost

CollegeSimply has modeled example payment coverage for the annual tuition and living expenses of $81,720. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

46% - $37,530

Money granted to you by the U.S. Department of Education, Union College or other organizations. These are not loans and do not need to be repaid.

Federal Student Loans

6% - $4,946

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket Cost

48% -  $38,746

Covered by family savings, work or private student loans which you will have to repay.

Student Loans

To gauge a more realistic picture of what it really could cost you out of pocket to go to Union College, we've modeled a ten year student loan with an original principal value of $164,544. The loan balance of $164,544 is a four year multiple of the $41,136 average net price. This is a estimate of what you could owe upon graduation if you were to qualify for average financial aid and what a degree really may cost. Should you not qualify for financial aid, you may owe significantly more when you graduate. Based on these assumptions, a monthly repayment of $1,786 could be required to pay off your student loan. The total of all payments including interest would sum $214,288.17.

Please note that financial aid is not guaranteed and is only available for qualifying students. Federal Student Loans are not grants and must be repaid with interest. The current Stafford loan interest rate is 5.5%.

Example Loan $164,544
Stafford Loan Interest Rate 5.5%
Time to Pay Off Student Loan 10 years
Example Monthly Payment $1,785.73
Total Interest Paid $49,744.17
Sum of All Loan Payments $214,288.17

Student Loan Affordability

In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending Union College, should consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $214,288.17 would be needed to afford a $1,785.73 monthly payment in the example $164,544.00 loan modeled above. This assumes a repayment over 10 years. You can change the terms of this example loan using the student loan calculator below. View statistics about Union College student loan debt and graduate salaries under student outcomes.

Projected 4 Year Degree Price

4 Year Sticker Price

Year All Residents
1 $81,720
2 $84,983
3 $88,376
4 $91,904

Based on published tuition prices, we estimate the current cost of a 4 year bachelor's degree and living expenses at Union College to be $326,880 - assuming graduation in normal time. The estimation assumes a 4% annual increase over the next 4 years which has been the recent trend for this school.

Credit Hour Cost and Price per Class

Credit Hour and Class Costs at Union College
Price Per Credit 3 Credit Class 4 Credit Class
All Residents $2,271 $6,813 $9,084

Estimated cost for a class at Union College based on published credit hour prices. Note that not all schools allow single class enrollment. These prices should be used for comparison purposes as to how much it may cost to take a class at Union College versus other colleges.

Tuition Payment Plans Available

Union College Payment Plans
Tuition Payment Plan Yes
Prepaid Tuition Plan No
Alternative Tuition Plan Yes
Guaranteed Tuition Plan No

Tuition History

Historical tuition and price increases for Union College.

YearTuitionAnnual Increase

Is it Worth the Cost?

To make a comparative assessment if Union College is worth the price, measures of it's relative value for tuition dollar can be examined. We've calculated an academic national percentile rating of 82.9/100 for Union College. Considering an average net price paid of $41,136, this leads to an overall value ranking of 60/100. This places the school 245th on our national Best Value Colleges ranking as a provider of a very high value education compared to actual overall price paid.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford Union College in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a Union College student loan.

Prepayment Option

Costs for Similar Colleges 

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Primary data source, U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=196866 IPEDS survey data for Union College.