by our College Data Analytics TeamA lot of students will not be asked to pay the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total cost of going to Highlands College of Montana Tech can seem overwhelming, but bear in mind that many students are given some form of financial aid.
What financial assistance options will Highlands College of Montana Tech offer, and what will you qualify for? Read on for more information. Scroll down to find out how much school funding will be available to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. Use the information below to understand how much financial assistance you may get from Highlands College of Montana Tech.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
Looking at the entering class at Highlands College of Montana Tech, 80% of first-year full-time students received aid of some kind roughly 111 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 52% | $4,560 |
| Institutional grants & scholarships | 15% | $1,741 |
| Federal Pell grants | 32% | $4,797 |
| State/local grants | 22% | $2,272 |
| Federal student loans | 48% | $4,158 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. Here, roughly 70% of undergraduates were awarded an average grant or scholarship of $2,666 (across roughly 492 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 70% | $2,666 |
| Federal Pell grants | 13% | $4,659 |
| Federal student loans | 21% | $4,789 |
Title-IV recipients living on campus saw average grant aid of $3,514.
Because need-based aid scales with family income, what students actually pay differs sharply across income brackets.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $9,301 |
| $30,001 – $75,000 | $11,444 |
| Over $75,000 | $15,652 |
Each figure is the net price after grants and scholarships, not the published sticker price.
The net price represents the average annual cost a title-IV-receiving student pays after grant aid is subtracted from the full cost of attendance.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $14,962 |
| Off-campus title-IV students | $12,184 |
For an estimate tailored to your family circumstances, see Highlands College of Montana Tech’s official net price calculator: www.mtech.edu/financial-aid/cost/calculator-highlands/.
The median federal debt load at Highlands College of Montana Tech comes to $9,847 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $9,847 |
| Median federal debt (graduates only) | $18,750 |
| Typical 10-year monthly payment (graduates) | $198.78/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. The four reference points below map the debt distribution at Highlands College of Montana Tech.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,750 |
| 75th percentile | $25,575 |
| 90th percentile (highest-debt students) | $37,525 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $10,500 |
| Middle income | $9,361 |
| High income | $9,724 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $10,400 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,250 |
| Independent students | $13,217 |
A handful of calculated indicators summarize the debt outlook at Highlands College of Montana Tech.
Most undergraduate borrowing runs through the federal Stafford loan program. The totals below capture Stafford lending at Highlands College of Montana Tech:
| Metric | Value |
|---|---|
| Stafford loan recipients | 7465 |
| Total Stafford loan amount | $119,934,098 |
GI Bill and DoD Tuition Assistance are the two federal aid programs targeted at military-affiliated students.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 12 |
| Total GI Bill amount | $72,525 |
| Average GI Bill amount per recipient | $6,044 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 0 |
| Total DoD amount | $0 |
References
More about our data sources and methodologies.