New York, home to nearly 20 million residents, is one of the most dynamic and diverse states in the U.S. The state stretches from the iconic skyscrapers of New York City to the Adirondack Mountains, the Finger Lakes, and the Great Lakes region.
This variety offers students the choice between urban, suburban, and rural lifestyles while pursuing higher education.
The state’s economy is equally diverse, driven by industries such as finance, healthcare, education, technology, manufacturing, agriculture, and media.
This breadth provides students with extensive internship and career opportunities across multiple sectors, whether in New York City, mid-sized cities like Buffalo, Rochester, and Syracuse, or smaller communities upstate.
In this guide- Public, Private & Universities
- Cost beyond tuition
- Statewide initiatives
- Financial aid & Scholarships
Public vs. Private Colleges and Universities
New York offers one of the nation’s strongest public education systems through the State University of New York (SUNY) and the City University of New York (CUNY).
SUNY includes 64 campuses across the state, while CUNY serves primarily New York City residents. Both provide affordable in-state tuition and extensive academic and research opportunities.
Associate degree programs in New York
Tuition starts at $12,600 at Bronx Community College and, based on data from 25 schools, averages around $34,133, with the highest tuition reaching $166,440 at Syracuse University.
- Delivery method: Online
2024/2025 Cost per credit: $210 in-state | $320 out-of-state
Total tuition per credit: $12,600
Credits: 60
Number of degree programs: 7
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $211 in-state | $421 out-of-state
Total tuition per credit: $12,660
Credits: 60
Number of degree programs: 16
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $217 in-state | $433 out-of-state
Total tuition per credit: $13,020
Credits: 60
Number of degree programs: 9
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $219 in-state | $244 out-of-state
Total tuition per credit: $13,140
Credits: 60
Number of degree programs: 13
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $229 in-state | $686 out-of-state
Total tuition per credit: $13,740
Credits: 60
Number of degree programs: 3
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $236 in-state | $472 out-of-state
Total tuition per credit: $14,160
Credits: 60
Number of degree programs: 17
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $243 in-state | $485 out-of-state
Total tuition per credit: $14,580
Credits: 60
Number of degree programs: 15
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $231 in-state | $325 out-of-state
Total tuition per credit: $14,784
Credits: 64
Number of degree programs: 22
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $17,700
Credits: 60
Number of degree programs: 7
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $17,700
Credits: 60
Number of degree programs: 5
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $17,700
Credits: 60
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $18,880
Credits: 64
Number of degree programs: 12
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $443
Total tuition per credit: $26,580
Credits: 60
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $510
Total tuition per credit: $30,600
Credits: 60
Number of degree programs: 7
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $514
Total tuition per credit: $30,840
Credits: 60
Number of degree programs: 9
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $526
Total tuition per credit: $31,560
Credits: 60
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $560
Total tuition per credit: $33,600
Credits: 60
Number of degree programs: 3
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $609
Total tuition per credit: $36,540
Credits: 60
Number of degree programs: 15
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $641
Total tuition per credit: $38,460
Credits: 60
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $677
Total tuition per credit: $41,297
Credits: 61
Number of degree programs: 8
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $702
Total tuition per credit: $42,822
Credits: 61
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $765
Total tuition per credit: $45,900
Credits: 60
Number of degree programs: 4
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,220
Total tuition per credit: $73,200
Credits: 60
Number of degree programs: 3
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,247
Total tuition per credit: $74,820
Credits: 60
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $2,774
Total tuition per credit: $166,440
Credits: 60
Number of degree programs: 1
Learn more: Program details
In-state undergraduates typically pay around $7,070 at SUNY universities and about $7,600 at CUNY senior colleges. Out-of-state tuition generally ranges from $18,000 to $25,000.
Private Universities‘ tuition varies widely, usually between $35,000 and $65,000 annually before financial aid. While Community Colleges like SUNY community colleges are the most affordable, averaging about $5,200 per year for in-state residents.
Bachelor’s degree programs in New York
For bachelor’s degrees, tuition begins at $42,360 across seven institutions, averaging $90,707 among 27 schools, and going as high as $332,880 at Syracuse University.
- Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $42,360
Credits: 120
Number of degree programs: 7
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $42,360
Credits: 120
Number of degree programs: 62
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $42,360
Credits: 120
Number of degree programs: 6
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $42,360
Credits: 120
Number of degree programs: 8
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $42,360
Credits: 120
Number of degree programs: 4
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $42,360
Credits: 120
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $295 in-state | $353 out-of-state
Total tuition per credit: $42,360
Credits: 120
Number of degree programs: 8
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $339 in-state | $398 out-of-state
Total tuition per credit: $47,760
Credits: 120
Number of degree programs: 10
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $420
Total tuition per credit: $50,400
Credits: 120
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $475
Total tuition per credit: $57,000
Credits: 120
Number of degree programs: 6
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $510
Total tuition per credit: $61,200
Credits: 120
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $514
Total tuition per credit: $61,680
Credits: 120
Number of degree programs: 4
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $526
Total tuition per credit: $63,120
Credits: 120
Number of degree programs: 36
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $556
Total tuition per credit: $66,720
Credits: 120
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $581
Total tuition per credit: $69,720
Credits: 120
Number of degree programs: 17
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $609
Total tuition per credit: $73,080
Credits: 120
Number of degree programs: 9
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $289 in-state | $620 out-of-state
Total tuition per credit: $74,400
Credits: 120
Number of degree programs: 9
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $641
Total tuition per credit: $76,920
Credits: 120
Number of degree programs: 4
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $677
Total tuition per credit: $81,240
Credits: 120
Number of degree programs: 14
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $702
Total tuition per credit: $84,942
Credits: 121
Number of degree programs: 5
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $790
Total tuition per credit: $90,060
Credits: 114
Number of degree programs: 9
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $820
Total tuition per credit: $98,400
Credits: 120
Number of degree programs: 7
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $299 in-state | $904 out-of-state
Total tuition per credit: $108,480
Credits: 120
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,220
Total tuition per credit: $146,400
Credits: 120
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,617
Total tuition per credit: $206,976
Credits: 128
Number of degree programs: 3
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $2,510
Total tuition per credit: $301,200
Credits: 120
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $2,774
Total tuition per credit: $332,880
Credits: 120
Number of degree programs: 10
Learn more: Program details
Though tuition is higher at these schools, many offer generous financial aid packages and significant alumni networks. Smaller private colleges provide specialized academic offerings and more personalized learning environments.
Master’s degree programs in New York
Master’s degree programs are comparatively more affordable, starting at $16,950 across six institutions, with an average cost of $34,339 among 35 schools, and a maximum of $93,924 at The New School.
- Delivery method: Online
2024/2025 Cost per credit: $462 in-state | $565 out-of-state
Total tuition per credit: $16,950
Credits: 30
Number of degree programs: 14
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $16,950
Credits: 30
Number of degree programs: 15
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $16,950
Credits: 30
Number of degree programs: 16
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $16,950
Credits: 30
Number of degree programs: 6
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $16,950
Credits: 30
Number of degree programs: 3
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $16,950
Credits: 30
Number of degree programs: 45
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $20,340
Credits: 36
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $20,340
Credits: 36
Number of degree programs: 10
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $20,340
Credits: 36
Number of degree programs: 3
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $565 out-of-state
Total tuition per credit: $20,340
Credits: 36
Number of degree programs: 7
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $715
Total tuition per credit: $21,450
Credits: 30
Number of degree programs: 4
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $650
Total tuition per credit: $21,450
Credits: 33
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $905
Total tuition per credit: $27,150
Credits: 30
Number of degree programs: 9
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $846
Total tuition per credit: $27,918
Credits: 33
Number of degree programs: 5
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $790
Total tuition per credit: $28,440
Credits: 36
Number of degree programs: 4
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $999 out-of-state
Total tuition per credit: $29,970
Credits: 30
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $610 in-state | $1000 out-of-state
Total tuition per credit: $30,000
Credits: 30
Number of degree programs: 5
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $776
Total tuition per credit: $30,264
Credits: 39
Number of degree programs: 1
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $471 in-state | $963 out-of-state
Total tuition per credit: $31,779
Credits: 33
Number of degree programs: 11
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,108
Total tuition per credit: $33,240
Credits: 30
Number of degree programs: 21
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $875
Total tuition per credit: $33,250
Credits: 38
Number of degree programs: 13
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $943 in-state | $1131 out-of-state
Total tuition per credit: $33,930
Credits: 30
Number of degree programs: 28
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $960
Total tuition per credit: $34,560
Credits: 36
Number of degree programs: 13
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,175
Total tuition per credit: $35,250
Credits: 30
Number of degree programs: 2
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,035
Total tuition per credit: $37,260
Credits: 36
Number of degree programs: 13
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,270
Total tuition per credit: $38,100
Credits: 30
Number of degree programs: 6
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,308
Total tuition per credit: $39,240
Credits: 30
Number of degree programs: 3
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,540
Total tuition per credit: $46,200
Credits: 30
Number of degree programs: 6
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,221
Total tuition per credit: $47,619
Credits: 39
Number of degree programs: 4
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,799
Total tuition per credit: $53,970
Credits: 30
Number of degree programs: 17
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,800
Total tuition per credit: $54,000
Credits: 30
Number of degree programs: 5
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $2,015
Total tuition per credit: $60,450
Credits: 30
Number of degree programs: 18
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $1,680
Total tuition per credit: $60,480
Credits: 36
Number of degree programs: 16
Learn more: Program details - Delivery method: Online
2024/2025 Cost per credit: $2,297
Total tuition per credit: $68,910
Credits: 30
Number of degree programs: 14
Learn more: Program details - 2024/2025 Cost per credit: $2,609
Total tuition per credit: $93,924
Credits: 36
Number of degree programs: 2
Learn more: Program details
Costs Beyond Tuition in New York
- Room & Board: SUNY campuses estimate $14,000–$16,000 annually for housing and meal plans. CUNY students often have lower housing costs if they commute, but NYC-based housing can be more expensive.
- Books & Supplies: Typically $1,200–$1,500 per year.
- Transportation: Varies by location; NYC students spend around $1,500+ annually on public transit, while upstate students often need cars, which can add $2,000–$3,000 per year.
- Living Costs: The cost of living in New York City is among the highest in the nation, while upstate communities like Binghamton, Albany, and Buffalo are more affordable.
- Pell Grants: For qualifying low-income students, federal Pell Grants (up to $7,395 for 2025–2026) can combine with TAP and Excelsior to significantly lower expenses.
Statewide Initiatives in New York
Excelsior Scholarship: Covers the full cost of tuition at SUNY and CUNY for families earning up to $125,000, with a requirement to live and work in the state after graduation.
Tuition Assistance Program (TAP): Provides grants of up to $5,665 per year for low- and middle-income residents attending eligible institutions.
Opportunity Programs (EOP, HEOP, SEEK, College Discovery): Designed to support students from disadvantaged backgrounds with financial aid, academic support, and counseling.
STEM Incentive Program: Offers free SUNY/CUNY tuition to high-achieving students who pursue STEM degrees and remain employed in New York after graduation.
Financial Aid and Sponsorships
- Excelsior Scholarship – Free SUNY and CUNY tuition for eligible students.
- TAP Grants – State-funded aid for low- and middle-income families.
- Institutional Aid – Both public and private schools provide scholarships and grants.
- Service-Based Programs – Aid tied to commitments in fields like teaching, healthcare, and STEM.
- Federal Support – Pell Grants, work-study, and federal loans help cover non-tuition expenses.
Conclusion
New York offers a unique blend of affordability and opportunity for higher education. Between the SUNY and CUNY systems, nationally ranked private institutions, and innovative aid programs like the Excelsior Scholarship, students can pursue degrees at manageable costs. With financial aid, diverse living options, and strong career prospects across industries, New York stands out as a top destination for accessible, high-quality education in the Northeast.
Frequently Asked Questions
Yes, the Excelsior Scholarship provides free tuition at SUNY and CUNY for families earning up to $125,000.
SUNY community colleges, such as Monroe Community College or Suffolk County Community College, with average tuition of $5,200 annually.
Typically between $18,000 and $25,000 annually, depending on the institution.
Columbia, NYU, Cornell, Syracuse, Fordham, and many smaller liberal arts colleges.
Yes. The STEM Incentive Program covers tuition for SUNY and CUNY students who pursue STEM degrees and work in-state after graduation.
Yes, SUNY has established transfer pathways, allowing students to earn associate degrees affordably before completing bachelor’s programs.
Programs like EOP (SUNY) and SEEK (CUNY) provide financial, academic, and counseling support.
NYC students face higher rent and commuting costs, while upstate campuses are more budget-friendly.
Around $1,500 annually in NYC for public transit, while upstate students often pay more for car-related expenses.
Finance, technology, healthcare, education, manufacturing, and media, especially concentrated in NYC and other urban centers.