by our College Data Analytics TeamBelow is the data on what it actually costs to attend College of San Mateo, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
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The full cost of attending College of San Mateo spanned $11,875.00 to $21,927.00 depending on whether you qualify for in-state rates.
In-state students paid the lower published figure, while out-of-state students faced the higher one: near $11,875.00 in-state versus $21,927.00 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 | $1,332.00 |
| + Room, board & other expenses | $10,543.00 |
| Total cost | $11,875.00 |
| That is 38% below the national average net price. |
| Total cost | $11,875.00 |
| − Grants and scholarships | −$10,301.00 |
| Net price | $1,574.00 |
| That is 92% below the national average net price. |
| Total cost | $11,875.00 |
| − Grants and scholarships | −$12,147.00 |
| Net price | $-272.00 |
| That is 101% below the national average net price. |
| Tuition and fees | $11,384.00 |
| + Room, board & other expenses | $10,543.00 |
| Total cost | $21,927.00 |
| That is 14% above the national average net price. |
| Total cost | $21,927.00 |
| − Grants and scholarships | −$10,301.00 |
| Net price | $11,626.00 |
| That is 40% below the national average net price. |
| Total cost | $21,927.00 |
| − Grants and scholarships | −$12,147.00 |
| Net price | $9,780.00 |
| That is 49% below the national average net price. | |
| Go deeper on the components with tuition and fees and living costs. |
The reported cost series has been increasing by around 0.2% per year; the projections below compound that across a degree. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.2% | 0.2% | 0.2% |
| Freshman year | $-273.00 | $1,578.00 | $11,903.00 |
| Senior year | $-275.00 | $1,589.00 | $11,987.00 |
| Total 4-year net price | $-1,094.00 | $6,333.00 | $47,781.00 |
| 10-year loan interest @ 6.8% | $-417.00 | $2,413.00 | $18,203.00 |
| Total monthly payment | $-13.00 | $73.00 | $550.00 |
| Total amount paid | $-1,511.00 | $8,746.00 | $65,984.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.2% | 0.2% | 0.2% |
| Freshman year | $-273.00 | $1,578.00 | $11,903.00 |
| Senior year | $-273.00 | $1,581.00 | $11,931.00 |
| Total 2-year net price | $-546.00 | $3,159.00 | $23,834.00 |
| 10-year loan interest @ 6.8% | $-208.00 | $1,204.00 | $9,080.00 |
| Total monthly payment | $-6.00 | $36.00 | $274.00 |
| Total amount paid | $-754.00 | $4,363.00 | $32,914.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.2% | 0.2% | 0.2% |
| Freshman year | $9,803.00 | $11,653.00 | $21,979.00 |
| Senior year | $9,873.00 | $11,736.00 | $22,135.00 |
| Total 4-year net price | $39,351.00 | $46,779.00 | $88,226.00 |
| 10-year loan interest @ 6.8% | $14,991.00 | $17,821.00 | $33,611.00 |
| Total monthly payment | $453.00 | $538.00 | $1,015.00 |
| Total amount paid | $54,343.00 | $64,600.00 | $121,838.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.2% | 0.2% | 0.2% |
| Freshman year | $9,803.00 | $11,653.00 | $21,979.00 |
| Senior year | $9,826.00 | $11,681.00 | $22,031.00 |
| Total 2-year net price | $19,629.00 | $23,334.00 | $44,009.00 |
| 10-year loan interest @ 6.8% | $7,478.00 | $8,890.00 | $16,766.00 |
| Total monthly payment | $226.00 | $269.00 | $506.00 |
| Total amount paid | $27,107.00 | $32,224.00 | $60,775.00 |
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. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $536.00 |
| Average net price (off-campus) | $1,504.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $127.00 |
| $30,000 to $48,000 | $646.00 |
| $48,001 to $75,000 | $3,951.00 |
| $75,001 to $110,000 | $6,489.00 |
| Over $110,000 | $7,818.00 |
Estimate your specific net price using the school’s College of San Mateo Net Price Calculator, or reach out to the financial aid office.
Dig into how aid is awarded on the grants & scholarships detail.
The median amount borrowed by graduates of College of San Mateo works out to $6,875.00, landing it in the Very Low (<$10k) debt-load classification.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,000.00 |
| 25th | $3,500.00 |
| Median (50th) | $6,875.00 |
| 75th | $9,625.00 |
| 90th | $14,475.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student loan debt detail.
Debt at graduation is far from uniform across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $8,407.00 |
| Middle income | $4,875.00 |
| High income | $6,500.00 |
Graduates from lower-income families carry $1,907.00 in additional median debt versus 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 | $7,125.00 |
| Continuing-generation students | $6,750.00 |
First-generation borrowers from College of San Mateo carry $375.00 more debt than continuing-generation students.
Pell Grants are the largest source of federal need-based aid for undergrads. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell vs non-Pell debt gap at College of San Mateo stands at $1,000.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The Department of Education default-rate tier for College of San Mateo is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.5% |
For a sense of scale, Stafford disbursements at College of San Mateo add up to $8,769,910.00 covering 1,145 recipients.
Use the figures above as a launch point, then think through College of San Mateo, 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.