by our College Data Analytics TeamMost students will never be charged the complete price tag of a school. Rather, they are presented a financial aid deal that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total price of attendance at Gardner-Webb University can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
What financial assistance options will Gardner - Webb offer you, and what will you qualify for? Read on for more information. Keep reading to learn just how much financial aid will be open to you.
The amount of financial aid you can receive varies from person to person and will depend on your family’s economic situation. The figures below will help you estimate the aid you might receive from Gardner-Webb University.
Financial assistance, available as scholarships, loans, and work-study, is a way schools lower the price of attendance so many students can enroll. However, some types of aid are more desirable than others, and some students will receive more than others.
At Gardner-Webb University, 100% of first-year full-time students received aid of some kind some 409 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 100% | $27,088 |
| Institutional grants & scholarships | 100% | $21,980 |
| Federal Pell grants | 42% | $5,654 |
| State/local grants | 39% | $6,546 |
| Federal student loans | 87% | $3,290 |
Because grants and scholarships do not have to be repaid, they are the most sought-after type of financial aid. Here, some 82% of undergraduates were awarded an average grant or scholarship of $18,375 (across approximately 1504 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 82% | $18,375 |
| Federal Pell grants | 37% | $5,432 |
| Federal student loans | 47% | $6,947 |
For on-campus title-IV students, average grant aid came to $29,417.
Because need-based aid scales with family income, what students actually pay differs sharply across income brackets.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $20,894 |
| $30,001 – $75,000 | $19,550 |
| Over $75,000 | $27,284 |
Each figure is the net price after grants and scholarships, not the published sticker price.
Net price is the average annual cost after grants and scholarships are subtracted from the published cost of attendance — the figure closest to what a typical aid-receiving student actually pays.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $17,674 |
| Off-campus title-IV students | $24,137 |
To get a personalized net price estimate, try Gardner - Webb’s online cost calculator: gardner-webb.edu/admissions-aid/financial-aid/.
The median student at Gardner - Webb graduates with $16,453 in federal student debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $16,453 |
| Median federal debt (graduates only) | $24,222 |
| Typical 10-year monthly payment (graduates) | $256.79/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. The percentiles below describe the cumulative federal debt distribution for borrowers at Gardner - Webb.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,847 |
| 25th percentile | $6,818 |
| 75th percentile | $26,697 |
| 90th percentile (highest-debt students) | $33,899 |
The figures below break down median federal debt by income tier, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,832 |
| Middle income | $18,129 |
| High income | $15,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,750 |
| Continuing-generation students | $14,482 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $15,000 |
| Independent students | $19,549 |
The figure below distills the debt data into a single burden category for Gardner - Webb.
Most undergraduate borrowing runs through the federal Stafford loan program. The totals below capture Stafford lending at Gardner - Webb:
| Metric | Value |
|---|---|
| Stafford loan recipients | 17889 |
| Total Stafford loan amount | $428,722,841 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 57 |
| Total GI Bill amount | $850,180 |
| Average GI Bill amount per recipient | $14,915 |
References
More about our data sources and methodologies.