by our College Data Analytics TeamMany students will never be charged the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The sum total of attendance at College of Southern Maryland can sound overpowering, but remember that the majority of students get some type of financial assistance.
What financing options does CSM offer you, and what will you qualify for? Keep scrolling for more information. Keep going to learn just how much financial aid will be open to you.
The amount of financial aid and scholarships you are eligible for will vary depending on your family’s income. The information provided on this page can help you determine how much aid you may receive from College of Southern Maryland.
Financial assistance, available as scholarships, loans, and work-study, is a way schools lower the price of attendance so many students can enroll. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
At College of Southern Maryland, 75% of the incoming full-time class was awarded financial aid (about 525 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 54% | $6,123 |
| Institutional grants & scholarships | 27% | $2,153 |
| Federal Pell grants | 32% | $6,604 |
| State/local grants | 20% | $2,761 |
| Federal student loans | 71% | $5,686 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. At CSM, around 39% of undergraduate students received gift aid averaging $6,098 (for some 1924 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 39% | $6,098 |
| Federal Pell grants | 26% | $6,338 |
| Federal student loans | 46% | $6,832 |
For students living on campus and receiving title-IV aid, grants averaged $4,477.
The figures below show the average net price — cost after all grant and scholarship aid — broken out by family income.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $5,529 |
| $30,001 – $75,000 | $7,349 |
| Over $75,000 | $12,468 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
The net price represents the average annual cost a title-IV-receiving student pays after grant aid is subtracted from the full cost of attendance.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $9,204 |
| Off-campus title-IV students | $9,867 |
To project your own net price, use CSM’s net price tool: directory.csmd.edu/misc/netPriceCalc/.
A typical borrower at CSM leaves with $5,500 of federal borrowing.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $5,500 |
| Median federal debt (graduates only) | $8,500 |
| Typical 10-year monthly payment (graduates) | $90.11/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
The numbers below show the full range, not just the middle of the distribution. These percentiles trace how cumulative federal debt is spread among borrowers at CSM.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,900 |
| 75th percentile | $10,250 |
| 90th percentile (highest-debt students) | $17,949 |
Outcomes differ by income bracket, by first-generation status, and by whether a student is financially dependent.
Debt by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $6,000 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,500 |
| Continuing-generation students | $5,498 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $7,000 |
These indicators are derived from the underlying debt data and summarize the overall picture at CSM.
The Stafford loan program is the largest source of federal direct loans to undergraduates. The totals below capture Stafford lending at CSM:
| Metric | Value |
|---|---|
| Stafford loan recipients | 6488 |
| Total Stafford loan amount | $57,642,210 |
If you are a veteran or active-duty service member, the GI Bill and DoD Tuition Assistance are the primary federal programs you can use at this school.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 220 |
| Total GI Bill amount | $602,702 |
| Average GI Bill amount per recipient | $2,740 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 13 |
| Total DoD amount | $19,244 |
| Average DoD amount per recipient | $1,480 |
References
More about our data sources and methodologies.