by our College Data Analytics TeamThis overview lays out the cost of attending College of Southern Maryland, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
Use the section links below to navigate this overview:
Attendance costs at College of Southern Maryland came in between $13,570.00 to $16,270.00 across residency tiers.
In-state residents qualified for the lower cost, with out-of-state students paying more: around $13,570.00 in-state versus $16,270.00 for those paying out-of-state rates.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $7,350.00 |
| + Room, board & other expenses | $6,220.00 |
| Total cost | $13,570.00 |
| That is 30% below the national average net price. |
| Total cost | $13,570.00 |
| − Grants and scholarships | −$4,477.00 |
| Net price | $9,093.00 |
| That is 53% below the national average net price. |
| Total cost | $13,570.00 |
| − Grants and scholarships | −$8,883.00 |
| Net price | $4,687.00 |
| That is 76% below the national average net price. |
| Tuition and fees | $10,050.00 |
| + Room, board & other expenses | $6,220.00 |
| Total cost | $16,270.00 |
| That is 15% below the national average net price. |
| Total cost | $16,270.00 |
| − Grants and scholarships | −$4,477.00 |
| Net price | $11,793.00 |
| That is 39% below the national average net price. |
| Total cost | $16,270.00 |
| − Grants and scholarships | −$8,883.00 |
| Net price | $7,387.00 |
| That is 62% below the national average net price. | |
| Explore each piece on the tuition & fees page plus living costs. |
Costs have trended upward in recent years by roughly 3.6% per year, so the four-year total runs well above today’s cost. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 3.6% | 3.6% | 3.6% |
| Freshman year | $4,858.00 | $9,425.00 | $14,065.00 |
| Senior year | $5,410.00 | $10,495.00 | $15,662.00 |
| Total 4-year net price | $20,522.00 | $39,814.00 | $59,416.00 |
| 10-year loan interest @ 6.8% | $7,818.00 | $15,168.00 | $22,635.00 |
| Total monthly payment | $236.00 | $458.00 | $684.00 |
| Total amount paid | $28,340.00 | $54,981.00 | $82,051.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.6% | 3.6% | 3.6% |
| Freshman year | $4,858.00 | $9,425.00 | $14,065.00 |
| Senior year | $5,035.00 | $9,769.00 | $14,578.00 |
| Total 2-year net price | $9,893.00 | $19,194.00 | $28,644.00 |
| 10-year loan interest @ 6.8% | $3,769.00 | $7,312.00 | $10,912.00 |
| Total monthly payment | $114.00 | $221.00 | $330.00 |
| Total amount paid | $13,662.00 | $26,506.00 | $39,556.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.6% | 3.6% | 3.6% |
| Freshman year | $7,657.00 | $12,223.00 | $16,864.00 |
| Senior year | $8,526.00 | $13,611.00 | $18,778.00 |
| Total 4-year net price | $32,344.00 | $51,635.00 | $71,238.00 |
| 10-year loan interest @ 6.8% | $12,322.00 | $19,671.00 | $27,139.00 |
| Total monthly payment | $372.00 | $594.00 | $820.00 |
| Total amount paid | $44,666.00 | $71,307.00 | $98,377.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.6% | 3.6% | 3.6% |
| Freshman year | $7,657.00 | $12,223.00 | $16,864.00 |
| Senior year | $7,936.00 | $12,669.00 | $17,479.00 |
| Total 2-year net price | $15,593.00 | $24,893.00 | $34,343.00 |
| 10-year loan interest @ 6.8% | $5,940.00 | $9,483.00 | $13,083.00 |
| Total monthly payment | $179.00 | $286.00 | $395.00 |
| Total amount paid | $21,533.00 | $34,376.00 | $47,426.00 |
For the complete net-price picture, see the net price section below.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $9,204.00 |
| Average net price (off-campus) | $9,867.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $5,422.00 |
| $30,000 to $48,000 | $5,747.00 |
| $48,001 to $75,000 | $8,484.00 |
| $75,001 to $110,000 | $11,702.00 |
| Over $110,000 | $12,744.00 |
Use College of Southern Maryland Net Price Calculator, or check with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
The median amount borrowed by graduates of College of Southern Maryland works out to $5,500.00, 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 | $1,750.00 |
| 25th | $2,900.00 |
| Median (50th) | $5,500.00 |
| 75th | $10,250.00 |
| 90th | $17,949.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Dig deeper into debt on the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $6,000.00 |
| Middle income | $5,500.00 |
| High income | $5,500.00 |
Borrowers from lower-income families leave school with $500.00 in additional median debt versus high-income graduates.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $5,500.00 |
| Continuing-generation students | $5,498.00 |
First-generation borrowers from College of Southern Maryland take on $2.00 in additional median debt versus continuing-generation peers.
The Department of Education default-rate tier for College of Southern Maryland is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.1% |
For scale, federal Stafford loan disbursements at College of Southern Maryland reach $57,642,210.00 over 6,488 disbursements.
Veterans and current servicemembers may be eligible for major federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 220 |
| Avg GI Bill amount | $2,740.00 |
| DoD Tuition Assistance recipients | 13 |
| Avg DoD Tuition Assistance | $1,480.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
Beyond the data above, it helps to ask a few questions when weighing College of Southern Maryland, consider the following:
Each page below covers one part of paying for college in more detail:
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.