by our College Data Analytics TeamHere is what you can expect to pay at Harding University, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
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The full cost of attending Harding University amounts to about $36,385.00 annually.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $26,262.00 |
| + Room, board & other expenses | $10,123.00 |
| Total cost | $36,385.00 |
| That is 11% above the national average net price. |
| Total cost | $36,385.00 |
| − Grants and scholarships | −$17,404.00 |
| Net price | $18,981.00 |
| That is 42% below the national average net price. |
| Total cost | $36,385.00 |
| − Grants and scholarships | −$24,116.00 |
| Net price | $12,269.00 |
| That is 63% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus living costs. |
Published costs have climbed year over year at about 4.9% annually, so the projections below total more than one year of attendance. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. 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 | 4.9% | 4.9% | 4.9% |
| Freshman year | $12,872.00 | $19,914.00 | $38,173.00 |
| Senior year | $14,864.00 | $22,995.00 | $44,080.00 |
| Total 4-year net price | $55,407.00 | $85,719.00 | $164,315.00 |
| 10-year loan interest @ 6.8% | $21,108.00 | $32,656.00 | $62,598.00 |
| Total monthly payment | $638.00 | $986.00 | $1,891.00 |
| Total amount paid | $76,515.00 | $118,374.00 | $226,914.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.9% | 4.9% | 4.9% |
| Freshman year | $12,872.00 | $19,914.00 | $38,173.00 |
| Senior year | $13,504.00 | $20,892.00 | $40,048.00 |
| Total 2-year net price | $26,376.00 | $40,805.00 | $78,220.00 |
| 10-year loan interest @ 6.8% | $10,048.00 | $15,545.00 | $29,799.00 |
| Total monthly payment | $304.00 | $470.00 | $900.00 |
| Total amount paid | $36,424.00 | $56,351.00 | $108,020.00 |
Jump to the net-price detail in the net price section below.
The net price figure shows the cost after grants and scholarships are deducted. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $22,130.00 |
| Average net price (off-campus) | $20,579.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $16,473.00 |
| $30,000 to $48,000 | $16,466.00 |
| $48,001 to $75,000 | $18,528.00 |
| $75,001 to $110,000 | $22,084.00 |
| Over $110,000 | $23,563.00 |
Run your own numbers with the Harding University Net Price Calculator, or get in touch with the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
Median graduate debt at Harding University stands at $21,601.00, placing the school in the Moderate ($20-30k) burden category.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $8,020.00 |
| Median (50th) | $21,601.00 |
| 75th | $29,500.00 |
| 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 breakdown.
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 | $22,214.00 |
| Middle income | $23,125.00 |
| High income | $21,480.00 |
On average, low-income graduates leave with $734.00 more debt than high-income graduates.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $22,500.00 |
| Continuing-generation students | $21,500.00 |
First-generation graduates from Harding University hold $1,000.00 more than continuing-generation graduates.
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 Pell vs non-Pell debt gap at Harding University comes to $5,625.00. This school carries a federal Pell-debt-inequity flag.
The Department of Education default-rate tier for Harding University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 2.9% |
To give some context for these rates, Stafford loans disbursed at Harding University reach $530,210,981.00 over 16,925 disbursements.
Veterans and active-duty students can access dedicated federal education aid including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 44 |
| Avg GI Bill amount | $19,470.00 |
| DoD Tuition Assistance recipients | 5 |
| Avg DoD Tuition Assistance | $2,050.00 |
Dig into veteran education benefits on the college veterans page.
The figures above are a starting point — as you weigh Harding University, 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.