by our College Data Analytics TeamHere’s the full picture on paying for Harford Community College, 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 links below to jump straight to any section on this page:
The full cost of attending Harford Community College came in between $14,290.00 through $16,690.00 based on in-state versus out-of-state status.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: about $14,290.00 for in-state students versus $16,690.00 out-of-state.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $6,432.00 |
| + Room, board & other expenses | $7,858.00 |
| Total cost | $14,290.00 |
| That is 26% below the national average net price. |
| Total cost | $14,290.00 |
| − Grants and scholarships | −$4,587.00 |
| Net price | $9,703.00 |
| That is 50% below the national average net price. |
| Total cost | $14,290.00 |
| − Grants and scholarships | −$6,549.00 |
| Net price | $7,741.00 |
| That is 60% below the national average net price. |
| Tuition and fees | $8,832.00 |
| + Room, board & other expenses | $7,858.00 |
| Total cost | $16,690.00 |
| That is 13% below the national average net price. |
| Total cost | $16,690.00 |
| − Grants and scholarships | −$4,587.00 |
| Net price | $12,103.00 |
| That is 37% below the national average net price. |
| Total cost | $16,690.00 |
| − Grants and scholarships | −$6,549.00 |
| Net price | $10,141.00 |
| That is 47% below the national average net price. | |
| For the full breakdown, see tuition and fees and room and board. |
Costs have trended upward in recent years at a recent average of 2.1% per year, so the four-year total runs well above today’s cost. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. 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 | 2.1% | 2.1% | 2.1% |
| Freshman year | $7,902.00 | $9,905.00 | $14,588.00 |
| Senior year | $8,407.00 | $10,538.00 | $15,519.00 |
| Total 4-year net price | $32,612.00 | $40,877.00 | $60,202.00 |
| 10-year loan interest @ 6.8% | $12,424.00 | $15,573.00 | $22,935.00 |
| Total monthly payment | $375.00 | $470.00 | $693.00 |
| Total amount paid | $45,035.00 | $56,450.00 | $83,136.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.1% | 2.1% | 2.1% |
| Freshman year | $7,902.00 | $9,905.00 | $14,588.00 |
| Senior year | $8,067.00 | $10,112.00 | $14,892.00 |
| Total 2-year net price | $15,969.00 | $20,017.00 | $29,480.00 |
| 10-year loan interest @ 6.8% | $6,084.00 | $7,626.00 | $11,231.00 |
| Total monthly payment | $184.00 | $230.00 | $339.00 |
| Total amount paid | $22,053.00 | $27,643.00 | $40,711.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.1% | 2.1% | 2.1% |
| Freshman year | $10,352.00 | $12,355.00 | $17,038.00 |
| Senior year | $11,013.00 | $13,144.00 | $18,126.00 |
| Total 4-year net price | $42,722.00 | $50,988.00 | $70,312.00 |
| 10-year loan interest @ 6.8% | $16,276.00 | $19,425.00 | $26,786.00 |
| Total monthly payment | $492.00 | $587.00 | $809.00 |
| Total amount paid | $58,998.00 | $70,413.00 | $97,099.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.1% | 2.1% | 2.1% |
| Freshman year | $10,352.00 | $12,355.00 | $17,038.00 |
| Senior year | $10,568.00 | $12,613.00 | $17,393.00 |
| Total 2-year net price | $20,921.00 | $24,968.00 | $34,431.00 |
| 10-year loan interest @ 6.8% | $7,970.00 | $9,512.00 | $13,117.00 |
| Total monthly payment | $241.00 | $287.00 | $396.00 |
| Total amount paid | $28,891.00 | $34,480.00 | $47,548.00 |
See the full net-price breakdown in the net price section below.
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) | $9,234.00 |
| Average net price (off-campus) | $9,953.00 |
The real cost varies by income because need-based aid scales with financial need. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $8,727.00 |
| $30,000 to $48,000 | $8,918.00 |
| $48,001 to $75,000 | $10,735.00 |
| $75,001 to $110,000 | $11,892.00 |
| Over $110,000 | $13,283.00 |
Use Harford Community College Net Price Calculator, or check with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
Median graduate debt at Harford Community College stands at $7,241.00, placing the school in the Very Low (<$10k) debt-burden bucket.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $3,000.00 |
| Median (50th) | $7,241.00 |
| 75th | $9,000.00 |
| 90th | $13,500.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
For the full borrowing and repayment picture, see the student loan debt page.
Debt at graduation is far from uniform across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $8,325.00 |
| Middle income | $6,750.00 |
| High income | $6,872.00 |
Graduates from lower-income families carry $1,453.00 more debt than their high-income peers.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $7,544.00 |
| Continuing-generation students | $6,395.00 |
First-generation borrowers from Harford Community College take on $1,149.00 in extra median debt compared with continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt difference between Pell-eligible and non-Pell graduates of Harford Community College is $1,050.00. This institution is flagged by federal data for Pell-debt inequity.
The Department of Education default-rate tier for Harford Community College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.3% |
To put the rates in context, Stafford loans at Harford Community College amount to $37,166,226.00 over 4,259 disbursements.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 97 |
| Avg GI Bill amount | $3,112.00 |
| DoD Tuition Assistance recipients | 6 |
| Avg DoD Tuition Assistance | $568.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
Numbers only tell part of the story. As you weigh Harford Community College, consider the following:
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.