by our College Data Analytics TeamHere is what you can expect to pay at Central Lakes College-Brainerd, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
If you want to dig into a particular figure, jump to any section below:
Published attendance costs at Central Lakes College-Brainerd works out to about $18,003.00 per academic year.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $6,249.00 |
| + Room, board & other expenses | $11,754.00 |
| Total cost | $18,003.00 |
| That is 6% below the national average net price. |
| Total cost | $18,003.00 |
| − Grants and scholarships | −$5,674.00 |
| Net price | $12,329.00 |
| That is 36% below the national average net price. |
| Total cost | $18,003.00 |
| − Grants and scholarships | −$7,279.00 |
| Net price | $10,724.00 |
| That is 44% below the national average net price. | |
| For the full breakdown, see the tuition & fees page plus room and board. |
Cost of attendance here has been rising by around 1.6% annually, so the projections below total more than one year of attendance. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.6% | 1.6% | 1.6% |
| Freshman year | $10,899.00 | $12,530.00 | $18,297.00 |
| Senior year | $11,441.00 | $13,153.00 | $19,206.00 |
| Total 4-year net price | $44,673.00 | $51,359.00 | $74,996.00 |
| 10-year loan interest @ 6.8% | $17,019.00 | $19,566.00 | $28,571.00 |
| Total monthly payment | $514.00 | $591.00 | $863.00 |
| Total amount paid | $61,692.00 | $70,926.00 | $103,567.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.6% | 1.6% | 1.6% |
| Freshman year | $10,899.00 | $12,530.00 | $18,297.00 |
| Senior year | $11,077.00 | $12,734.00 | $18,595.00 |
| Total 2-year net price | $21,975.00 | $25,264.00 | $36,891.00 |
| 10-year loan interest @ 6.8% | $8,372.00 | $9,625.00 | $14,054.00 |
| Total monthly payment | $253.00 | $291.00 | $425.00 |
| Total amount paid | $30,347.00 | $34,889.00 | $50,946.00 |
Read more in the net-price section.
Net price strips out grant and scholarship aid to show what families really pay. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $13,869.00 |
| Average net price (off-campus) | $12,829.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,479.00 |
| $30,000 to $48,000 | $10,015.00 |
| $48,001 to $75,000 | $12,719.00 |
| $75,001 to $110,000 | $15,228.00 |
| Over $110,000 | $17,192.00 |
For a personalized estimate, try the Central Lakes College-Brainerd Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
Typical debt at graduation from Central Lakes College-Brainerd stands at $8,439.00, which federal data classifies as a Very Low (<$10k) debt-burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,450.00 |
| 25th | $4,750.00 |
| Median (50th) | $8,439.00 |
| 75th | $15,000.00 |
| 90th | $26,187.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Read the complete debt breakdown on the student loan debt detail.
Debt at graduation is far from uniform across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $9,500.00 |
| Middle income | $8,250.00 |
| High income | $5,500.00 |
Graduates from lower-income families carry $4,000.00 more debt than high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $8,867.00 |
| Continuing-generation students | $6,522.00 |
First-generation graduates of Central Lakes College-Brainerd hold $2,345.00 more than continuing-generation graduates.
The Pell Grant is the largest federal grant for undergraduates from low-income families. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The gap between Pell-eligible and non-Pell median debt at Central Lakes College-Brainerd stands at $4,000.00. This institution is flagged by federal data for Pell-debt inequity.
The default-rate category at Central Lakes College-Brainerd is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 12.7% |
For context on the loan portfolio, Stafford disbursements at Central Lakes College-Brainerd come to $130,870,708.00 across 10,631 student borrowers.
Veterans and current servicemembers may be eligible for major federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 36 |
| Avg GI Bill amount | $4,460.00 |
| DoD Tuition Assistance recipients | 7 |
| Avg DoD Tuition Assistance | $2,601.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
The figures above are a starting point — as you weigh Central Lakes College-Brainerd, keep these questions in mind:
Use the pages below to go deeper on a specific part of the cost story:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.