by our College Data Analytics TeamThis guide covers the real cost of attending Freed-Hardeman University, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
Use the section links below to navigate this overview:
The total published cost of attendance at Freed-Hardeman University comes to about $36,972.00 annually.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $25,620.00 |
| + Room, board & other expenses | $11,352.00 |
| Total cost | $36,972.00 |
| That is 13% above the national average net price. |
| Total cost | $36,972.00 |
| − Grants and scholarships | −$16,741.00 |
| Net price | $20,231.00 |
| That is 38% below the national average net price. |
| Total cost | $36,972.00 |
| − Grants and scholarships | −$17,327.00 |
| Net price | $19,645.00 |
| That is 40% below the national average net price. | |
| For the full breakdown, see tuition and fees plus living costs. |
The reported cost series has been increasing by roughly 3.2% annually, so the projections below total more than one year of attendance. Below, the cost is projected across a degree for three students at once — low-income with 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 | 3.2% | 3.2% | 3.2% |
| Freshman year | $20,277.00 | $20,882.00 | $38,162.00 |
| Senior year | $22,298.00 | $22,963.00 | $41,965.00 |
| Total 4-year net price | $85,107.00 | $87,646.00 | $160,173.00 |
| 10-year loan interest @ 6.8% | $32,423.00 | $33,390.00 | $61,020.00 |
| Total monthly payment | $979.00 | $1,009.00 | $1,843.00 |
| Total amount paid | $117,530.00 | $121,036.00 | $221,193.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.2% | 3.2% | 3.2% |
| Freshman year | $20,277.00 | $20,882.00 | $38,162.00 |
| Senior year | $20,929.00 | $21,554.00 | $39,389.00 |
| Total 2-year net price | $41,207.00 | $42,436.00 | $77,551.00 |
| 10-year loan interest @ 6.8% | $15,698.00 | $16,166.00 | $29,544.00 |
| Total monthly payment | $474.00 | $488.00 | $892.00 |
| Total amount paid | $56,905.00 | $58,602.00 | $107,095.00 |
Read more in the net-price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $21,574.00 |
| Average net price (off-campus) | $20,082.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $15,478.00 |
| $30,000 to $48,000 | $16,267.00 |
| $48,001 to $75,000 | $19,533.00 |
| $75,001 to $110,000 | $22,611.00 |
| Over $110,000 | $23,201.00 |
Use Freed-Hardeman University Net Price Calculator, or contact the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
The typical debt load for borrowers leaving Freed-Hardeman University comes to $16,750.00, which the Department of Education classifies as a Low ($10-20k) burden tier.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,875.00 |
| 25th | $7,500.00 |
| Median (50th) | $16,750.00 |
| 75th | $27,000.00 |
| 90th | $35,375.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Dig deeper into debt on the student loan debt page.
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 | $13,671.00 |
| Middle income | $15,063.00 |
| High income | $18,519.00 |
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $14,463.00 |
| Continuing-generation students | $19,000.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The gap between Pell-eligible and non-Pell median debt at Freed-Hardeman University works out to $-2,485.00.
The default-rate category at Freed-Hardeman University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.9% |
| 3-year | 0.2% |
For a sense of scale, Stafford disbursements at Freed-Hardeman University total $249,159,272.00 over 8,038 recipients.
Veteran and active-military students often access dedicated federal aid programs like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 16 |
| Avg GI Bill amount | $12,800.00 |
| DoD Tuition Assistance recipients | 3 |
| Avg DoD Tuition Assistance | $2,000.00 |
Dig into veteran education benefits on the veterans benefits detail.
The data above is a foundation; round it out by asking yourself about Freed-Hardeman University, a few questions are worth asking:
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.