by our College Data Analytics TeamThis guide covers the real cost of attending Central Texas College, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
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The total cost of attendance at Central Texas College ranged from $11,792.00 through $14,402.00 across residency tiers.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: roughly $11,792.00 in-state, rising to $14,402.00 out-of-state.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $4,890.00 |
| + Room, board & other expenses | $6,902.00 |
| Total cost | $11,792.00 |
| That is 39% below the national average net price. |
| Total cost | $11,792.00 |
| − Grants and scholarships | −$3,557.00 |
| Net price | $8,235.00 |
| That is 57% below the national average net price. |
| Total cost | $11,792.00 |
| − Grants and scholarships | −$6,108.00 |
| Net price | $5,684.00 |
| That is 70% below the national average net price. |
| Tuition and fees | $7,500.00 |
| + Room, board & other expenses | $6,902.00 |
| Total cost | $14,402.00 |
| That is 25% below the national average net price. |
| Total cost | $14,402.00 |
| − Grants and scholarships | −$3,557.00 |
| Net price | $10,845.00 |
| That is 44% below the national average net price. |
| Total cost | $14,402.00 |
| − Grants and scholarships | −$6,108.00 |
| Net price | $8,294.00 |
| That is 57% below the national average net price. | |
| Go deeper on the components with the tuition & fees page plus room and board. |
The reported cost series has been increasing by roughly 0.3% annually, so the projections below total more than one year of attendance. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.3% | 0.3% | 0.3% |
| Freshman year | $5,699.00 | $8,257.00 | $11,824.00 |
| Senior year | $5,745.00 | $8,324.00 | $11,919.00 |
| Total 4-year net price | $22,889.00 | $33,162.00 | $47,486.00 |
| 10-year loan interest @ 6.8% | $8,720.00 | $12,634.00 | $18,090.00 |
| Total monthly payment | $263.00 | $382.00 | $546.00 |
| Total amount paid | $31,609.00 | $45,795.00 | $65,576.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.3% | 0.3% | 0.3% |
| Freshman year | $5,699.00 | $8,257.00 | $11,824.00 |
| Senior year | $5,715.00 | $8,279.00 | $11,855.00 |
| Total 2-year net price | $11,414.00 | $16,536.00 | $23,679.00 |
| 10-year loan interest @ 6.8% | $4,348.00 | $6,300.00 | $9,021.00 |
| Total monthly payment | $131.00 | $190.00 | $273.00 |
| Total amount paid | $15,762.00 | $22,836.00 | $32,700.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.3% | 0.3% | 0.3% |
| Freshman year | $8,316.00 | $10,874.00 | $14,441.00 |
| Senior year | $8,384.00 | $10,962.00 | $14,557.00 |
| Total 4-year net price | $33,400.00 | $43,672.00 | $57,996.00 |
| 10-year loan interest @ 6.8% | $12,724.00 | $16,638.00 | $22,094.00 |
| Total monthly payment | $384.00 | $503.00 | $667.00 |
| Total amount paid | $46,124.00 | $60,310.00 | $80,091.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.3% | 0.3% | 0.3% |
| Freshman year | $8,316.00 | $10,874.00 | $14,441.00 |
| Senior year | $8,339.00 | $10,903.00 | $14,480.00 |
| Total 2-year net price | $16,655.00 | $21,778.00 | $28,920.00 |
| 10-year loan interest @ 6.8% | $6,345.00 | $8,296.00 | $11,018.00 |
| Total monthly payment | $192.00 | $251.00 | $333.00 |
| Total amount paid | $23,000.00 | $30,074.00 | $39,938.00 |
See the full net-price breakdown in the Net Price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $10,265.00 |
| Average net price (off-campus) | $6,408.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $5,742.00 |
| $30,000 to $48,000 | $5,082.00 |
| $48,001 to $75,000 | $8,249.00 |
| $75,001 to $110,000 | $9,861.00 |
| Over $110,000 | $10,641.00 |
Use Central Texas College Net Price Calculator, or contact the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
Median graduate debt at Central Texas College amounts to $5,250.00, which the Department of Education classifies as a Very Low (<$10k) debt-load classification.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,500.00 |
| 25th | $2,375.00 |
| Median (50th) | $5,250.00 |
| 75th | $7,875.00 |
| 90th | $15,000.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $4,750.00 |
| Middle income | $5,252.00 |
| High income | $5,500.00 |
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $5,250.00 |
| Continuing-generation students | $5,209.00 |
First-gen students at Central Texas College take on $41.00 in additional median debt versus continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt difference between Pell-eligible and non-Pell graduates of Central Texas College stands at $500.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The Department of Education default-rate tier for Central Texas College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 16.0% |
To give some context for these rates, Stafford loans disbursed at Central Texas College amount to $116,837,190.00 over 15,628 recipients.
Veterans and active-duty servicemembers can tap dedicated federal aid programs like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 854 |
| Avg GI Bill amount | $1,152.00 |
| DoD Tuition Assistance recipients | 1,446 |
| Avg DoD Tuition Assistance | $1,055.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
The figures above are a starting point — as you weigh Central Texas College, consider the following:
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.