by our College Data Analytics TeamThis guide covers the real cost of attending Hagerstown Community College, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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The total cost of attendance at Hagerstown Community College came in between $11,798.00 and up to $13,598.00 across residency tiers.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: close to $11,798.00 in-state versus $13,598.00 for out-of-state students.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $6,390.00 |
| + Room, board & other expenses | $5,408.00 |
| Total cost | $11,798.00 |
| That is 39% below the national average net price. |
| Total cost | $11,798.00 |
| − Grants and scholarships | −$5,912.00 |
| Net price | $5,886.00 |
| That is 69% below the national average net price. |
| Total cost | $11,798.00 |
| − Grants and scholarships | −$6,654.00 |
| Net price | $5,144.00 |
| That is 73% below the national average net price. |
| Tuition and fees | $8,190.00 |
| + Room, board & other expenses | $5,408.00 |
| Total cost | $13,598.00 |
| That is 29% below the national average net price. |
| Total cost | $13,598.00 |
| − Grants and scholarships | −$5,912.00 |
| Net price | $7,686.00 |
| That is 60% below the national average net price. |
| Total cost | $13,598.00 |
| − Grants and scholarships | −$6,654.00 |
| Net price | $6,944.00 |
| That is 64% below the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page plus living costs. |
The projections below extend the current annual cost across a degree. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. 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 | 0% | 0% | 0% |
| Freshman year | $5,144.00 | $5,886.00 | $11,798.00 |
| Senior year | $5,144.00 | $5,886.00 | $11,798.00 |
| Total 4-year net price | $20,576.00 | $23,544.00 | $47,192.00 |
| 10-year loan interest @ 6.8% | $7,839.00 | $8,969.00 | $17,978.00 |
| Total monthly payment | $237.00 | $271.00 | $543.00 |
| Total amount paid | $28,415.00 | $32,513.00 | $65,170.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,144.00 | $5,886.00 | $11,798.00 |
| Senior year | $5,144.00 | $5,886.00 | $11,798.00 |
| Total 2-year net price | $10,288.00 | $11,772.00 | $23,596.00 |
| 10-year loan interest @ 6.8% | $3,919.00 | $4,485.00 | $8,989.00 |
| Total monthly payment | $118.00 | $135.00 | $272.00 |
| Total amount paid | $14,207.00 | $16,257.00 | $32,585.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $6,944.00 | $7,686.00 | $13,598.00 |
| Senior year | $6,944.00 | $7,686.00 | $13,598.00 |
| Total 4-year net price | $27,776.00 | $30,744.00 | $54,392.00 |
| 10-year loan interest @ 6.8% | $10,582.00 | $11,712.00 | $20,721.00 |
| Total monthly payment | $320.00 | $354.00 | $626.00 |
| Total amount paid | $38,358.00 | $42,456.00 | $75,113.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $6,944.00 | $7,686.00 | $13,598.00 |
| Senior year | $6,944.00 | $7,686.00 | $13,598.00 |
| Total 2-year net price | $13,888.00 | $15,372.00 | $27,196.00 |
| 10-year loan interest @ 6.8% | $5,291.00 | $5,856.00 | $10,361.00 |
| Total monthly payment | $160.00 | $177.00 | $313.00 |
| Total amount paid | $19,179.00 | $21,228.00 | $37,557.00 |
| Read more in the Net Price section. |
Net price strips out grant and scholarship aid to show what families really pay. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $6,835.00 |
| Average net price (off-campus) | $7,672.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $5,856.00 |
| $30,000 to $48,000 | $5,839.00 |
| $48,001 to $75,000 | $8,039.00 |
| $75,001 to $110,000 | $10,920.00 |
| Over $110,000 | $11,220.00 |
For a personalized estimate, try the Hagerstown Community College 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 Hagerstown Community College is $6,500.00, landing it in the Very Low (<$10k) burden tier.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,820.00 |
| 25th | $2,955.00 |
| Median (50th) | $6,500.00 |
| 75th | $12,000.00 |
| 90th | $20,718.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Explore borrowing, repayment, and default in detail on the student loan debt page.
Debt at graduation is far from uniform across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $5,922.00 |
| Middle income | $6,700.00 |
| High income | $6,500.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $6,500.00 |
| Continuing-generation students | $5,696.00 |
First-gen borrowers at Hagerstown Community College carry $804.00 more median debt than continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The Pell vs non-Pell debt gap at Hagerstown Community College amounts to $806.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate classification for Hagerstown Community College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.1% |
To give some context for these rates, Stafford loans disbursed at Hagerstown Community College total $94,561,502.00 over 9,696 recipients.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 57 |
| Avg GI Bill amount | $3,333.00 |
| DoD Tuition Assistance recipients | 6 |
| Avg DoD Tuition Assistance | $696.00 |
For the full rundown of veteran and military benefits, see the veterans benefits detail.
Beyond the data above, it helps to ask a few questions when weighing Hagerstown Community College, keep these questions in mind:
For a closer look at any of these topics, follow the links below:
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.