For years, rising tuition costs have dominated the conversation around college affordability. This report examines the average education costs for students attending both two-year and four-year colleges within the State University of New York (SUNY) and City University of New York (CUNY) systems. This report also compares costs to average grant awards for students with family incomes of $30,000 and less who have the least financial resources to support their education. The author particularly sought to examine gaps in financial support after factoring in average expenses for housing, food, transportation, and other living expenses because non-tuition costs play a key role in college affordability. The report also provides data regarding student loan borrowing rates and full-time attendance, both of which impact student success, timely completion, and the overall cost of college. The analysis found that, while students from low-income backgrounds attending two-year or four-year SUNY and CUNY colleges receive sufficient grant aid to cover the average cost of tuition, fees, books, and supplies, the leftover grant aid may be insufficient to help cover non-tuition costs like transportation, food, housing, and other expenses. The author finds that these gaps are more severe for older students and for students who are financially independent. These trends bolster existing research that shows that today's students are juggling many financial responsibilities. In real terms, it means that they may have to work excessive hours, which hinders completion, or borrow amounts that jeopardize their ability to achieve the social and economic mobility that earning a postsecondary credential provides. [The author received support for writing this report from Ellie Bruecker, Ph.D., Tanya I. Garcia, Ph.D., and Laura Szabo-Kubitz at the Institute for College Access & Success (TICAS).]