by our College Data Analytics TeamThis overview lays out the cost of attending Hardin-Simmons University, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
Want a specific number? Skip ahead to any section using the links below:
The cost of attendance at Hardin-Simmons University comes to about $45,059.00 for a single academic year.
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 | $32,960.00 |
| + Room, board & other expenses | $12,099.00 |
| Total cost | $45,059.00 |
| That is 37% above the national average net price. |
| Total cost | $45,059.00 |
| − Grants and scholarships | −$26,349.00 |
| Net price | $18,710.00 |
| That is 43% below the national average net price. |
| Total cost | $45,059.00 |
| − Grants and scholarships | −$32,082.00 |
| Net price | $12,977.00 |
| That is 60% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus living costs. |
Costs have trended upward in recent years by roughly 1.3% per year; the projections below compound that 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 | 1.3% | 1.3% | 1.3% |
| Freshman year | $13,151.00 | $18,961.00 | $45,663.00 |
| Senior year | $13,687.00 | $19,733.00 | $47,524.00 |
| Total 4-year net price | $53,671.00 | $77,381.00 | $186,356.00 |
| 10-year loan interest @ 6.8% | $20,447.00 | $29,480.00 | $70,995.00 |
| Total monthly payment | $618.00 | $891.00 | $2,145.00 |
| Total amount paid | $74,117.00 | $106,861.00 | $257,352.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.3% | 1.3% | 1.3% |
| Freshman year | $13,151.00 | $18,961.00 | $45,663.00 |
| Senior year | $13,327.00 | $19,215.00 | $46,275.00 |
| Total 2-year net price | $26,478.00 | $38,176.00 | $91,938.00 |
| 10-year loan interest @ 6.8% | $10,087.00 | $14,544.00 | $35,025.00 |
| Total monthly payment | $305.00 | $439.00 | $1,058.00 |
| Total amount paid | $36,565.00 | $52,719.00 | $126,963.00 |
Read more in the net-price section.
The net price figure shows the cost after grants and scholarships are deducted. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $19,555.00 |
| Average net price (off-campus) | $21,031.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $14,534.00 |
| $30,000 to $48,000 | $15,981.00 |
| $48,001 to $75,000 | $18,485.00 |
| $75,001 to $110,000 | $20,982.00 |
| Over $110,000 | $26,442.00 |
Estimate your specific net price using the school’s Hardin-Simmons University Net Price Calculator, or contact the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
The median graduating debt at Hardin-Simmons University works out to $13,359.00, landing it in the Low ($10-20k) debt-burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $5,500.00 |
| Median (50th) | $13,359.00 |
| 75th | $27,000.00 |
| 90th | $37,500.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Read the complete debt breakdown on the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,500.00 |
| Middle income | $12,500.00 |
| High income | $14,417.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,750.00 |
| Continuing-generation students | $15,000.00 |
The Pell Grant is the main federal need-based award for undergraduates. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The gap between Pell-eligible and non-Pell median debt at Hardin-Simmons University stands at $2,250.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The federal default-rate tier for Hardin-Simmons University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.9% |
For context on the loan portfolio, Stafford disbursements at Hardin-Simmons University come to $213,149,270.00 spread across 9,219 disbursements.
Veterans and active-duty students can access dedicated federal education aid including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 49 |
| Avg GI Bill amount | $15,378.00 |
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 Hardin-Simmons University, the questions below are worth your time:
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.