by our College Data Analytics TeamThis guide covers the real cost of attending Gardner-Webb University, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
If you want to dig into a particular figure, jump to any section below:
The total published cost of attendance at Gardner-Webb University comes to about $48,813.00 annually.
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 | $34,760.00 |
| + Room, board & other expenses | $14,053.00 |
| Total cost | $48,813.00 |
| That is 49% above the national average net price. |
| Total cost | $48,813.00 |
| − Grants and scholarships | −$29,417.00 |
| Net price | $19,396.00 |
| That is 41% below the national average net price. |
| Total cost | $48,813.00 |
| − Grants and scholarships | −$31,787.00 |
| Net price | $17,026.00 |
| That is 48% below the national average net price. | |
| Go deeper on the components with tuition and fees plus room and board. |
Published costs have climbed year over year by roughly 2.9% 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. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $17,513.00 | $19,951.00 | $50,209.00 |
| Senior year | $19,059.00 | $21,711.00 | $54,640.00 |
| Total 4-year net price | $73,114.00 | $83,291.00 | $209,615.00 |
| 10-year loan interest @ 6.8% | $27,854.00 | $31,731.00 | $79,856.00 |
| Total monthly payment | $841.00 | $959.00 | $2,412.00 |
| Total amount paid | $100,967.00 | $115,022.00 | $289,470.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $17,513.00 | $19,951.00 | $50,209.00 |
| Senior year | $18,014.00 | $20,521.00 | $51,644.00 |
| Total 2-year net price | $35,526.00 | $40,472.00 | $101,853.00 |
| 10-year loan interest @ 6.8% | $13,534.00 | $15,418.00 | $38,802.00 |
| Total monthly payment | $409.00 | $466.00 | $1,172.00 |
| Total amount paid | $49,061.00 | $55,890.00 | $140,656.00 |
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) | $17,674.00 |
| Average net price (off-campus) | $24,137.00 |
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 | $21,744.00 |
| $30,000 to $48,000 | $19,750.00 |
| $48,001 to $75,000 | $19,334.00 |
| $75,001 to $110,000 | $25,534.00 |
| Over $110,000 | $27,952.00 |
For a personalized estimate, try the Gardner-Webb University Net Price Calculator, or visit the financial aid office.
Want to know how that aid is awarded? See the financial aid page.
The typical debt load for borrowers leaving Gardner-Webb University amounts to $16,453.00, categorized as a Low ($10-20k) debt-burden category.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,847.00 |
| 25th | $6,818.00 |
| Median (50th) | $16,453.00 |
| 75th | $26,697.00 |
| 90th | $33,899.00 |
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.
Debt outcomes vary substantially with family income. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,832.00 |
| Middle income | $18,129.00 |
| High income | $15,000.00 |
Graduates from lower-income families carry $832.00 in extra median debt compared with high-income peers.
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,750.00 |
| Continuing-generation students | $14,482.00 |
First-generation graduates from Gardner-Webb University leave with $2,268.00 more debt than continuing-generation students.
Pell Grants are the largest source of federal need-based aid for undergrads. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The Pell vs non-Pell debt gap at Gardner-Webb University stands at $5,805.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate tier for Gardner-Webb University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.9% |
For a sense of scale, Stafford disbursements at Gardner-Webb University total $428,722,841.00 covering 17,889 borrowers.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 57 |
| Avg GI Bill amount | $14,915.00 |
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 Gardner-Webb University, a few questions are worth asking:
Explore the related pages below for a deeper look at the cost picture:
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.