by our College Data Analytics TeamThis guide covers the real cost of attending Five Towns College, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
If you want to dig into a particular figure, jump to any section below:
The cost of attendance at Five Towns College is about $40,792.00 for a single 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 | $30,250.00 |
| + Room, board & other expenses | $10,542.00 |
| Total cost | $40,792.00 |
| That is 24% above the national average net price. |
| Total cost | $40,792.00 |
| − Grants and scholarships | −$19,466.00 |
| Net price | $21,326.00 |
| That is 35% below the national average net price. |
| Total cost | $40,792.00 |
| − Grants and scholarships | −$24,870.00 |
| Net price | $15,922.00 |
| That is 51% below the national average net price. | |
| For the full breakdown, see tuition and fees plus living costs. |
Published costs have climbed year over year at a recent average of 6.4% per year; the projections below compound that across a degree. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 6.4% | 6.4% | 6.4% |
| Freshman year | $16,937.00 | $22,685.00 | $43,392.00 |
| Senior year | $20,386.00 | $27,305.00 | $52,229.00 |
| Total 4-year net price | $74,504.00 | $99,791.00 | $190,878.00 |
| 10-year loan interest @ 6.8% | $28,383.00 | $38,017.00 | $72,718.00 |
| Total monthly payment | $857.00 | $1,148.00 | $2,197.00 |
| Total amount paid | $102,887.00 | $137,807.00 | $263,596.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.4% | 6.4% | 6.4% |
| Freshman year | $16,937.00 | $22,685.00 | $43,392.00 |
| Senior year | $18,016.00 | $24,131.00 | $46,158.00 |
| Total 2-year net price | $34,953.00 | $46,816.00 | $89,550.00 |
| 10-year loan interest @ 6.8% | $13,316.00 | $17,835.00 | $34,115.00 |
| Total monthly payment | $402.00 | $539.00 | $1,031.00 |
| Total amount paid | $48,269.00 | $64,652.00 | $123,665.00 |
See the full net-price breakdown in the net-price section.
Net price strips out grant and scholarship aid to show what families really pay. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $22,992.00 |
| Average net price (off-campus) | $20,799.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $15,245.00 |
| $30,000 to $48,000 | $16,452.00 |
| $48,001 to $75,000 | $23,393.00 |
| $75,001 to $110,000 | $31,943.00 |
| Over $110,000 | $27,854.00 |
For a personalized estimate, try the Five Towns College Net Price Calculator, or reach out to the financial aid office.
Dig into how aid is awarded on the financial aid page.
The median graduating debt at Five Towns College amounts to $12,750.00, landing it in the Low ($10-20k) burden tier.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,212.00 |
| 25th | $6,000.00 |
| Median (50th) | $12,750.00 |
| 75th | $27,000.00 |
| 90th | $36,563.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Dig deeper into debt on the student loan debt detail.
Student debt at graduation is not evenly distributed across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,265.00 |
| Middle income | $13,125.00 |
| High income | $12,500.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,000.00 |
| Continuing-generation students | $14,875.00 |
Pell Grants are the largest source of federal need-based aid for undergrads. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt gap between Pell and non-Pell graduates of Five Towns College amounts to $4,750.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate tier for Five Towns College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 12.6% |
To give some context for these rates, Stafford loans disbursed at Five Towns College come to $69,109,113.00 distributed across 4,090 recipients.
Veterans and active-duty service members may qualify for substantial federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 6 |
| Avg GI Bill amount | $23,715.00 |
Dig into veteran education benefits on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing Five Towns College, 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.