by our College Data Analytics TeamHere’s the full picture on paying for Howard College, 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 Howard College came in between $14,227.00 through $15,677.00 depending on your residency status.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: near $14,227.00 in-state versus $15,677.00 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 | $5,266.00 |
| + Room, board & other expenses | $8,961.00 |
| Total cost | $14,227.00 |
| That is 26% below the national average net price. |
| Total cost | $14,227.00 |
| − Grants and scholarships | −$7,711.00 |
| Net price | $6,516.00 |
| That is 66% below the national average net price. |
| Total cost | $14,227.00 |
| − Grants and scholarships | −$9,557.00 |
| Net price | $4,670.00 |
| That is 76% below the national average net price. |
| Tuition and fees | $6,716.00 |
| + Room, board & other expenses | $8,961.00 |
| Total cost | $15,677.00 |
| That is 19% below the national average net price. |
| Total cost | $15,677.00 |
| − Grants and scholarships | −$7,711.00 |
| Net price | $7,966.00 |
| That is 59% below the national average net price. |
| Total cost | $15,677.00 |
| − Grants and scholarships | −$9,557.00 |
| Net price | $6,120.00 |
| That is 68% below the national average net price. | |
| Explore each piece on the tuition & fees page and room and board. |
Published costs have climbed year over year at about 7.4% per year; the projections below compound that across a degree. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.4% | 7.4% | 7.4% |
| Freshman year | $5,014.00 | $6,996.00 | $15,275.00 |
| Senior year | $6,205.00 | $8,658.00 | $18,905.00 |
| Total 4-year net price | $22,383.00 | $31,230.00 | $68,188.00 |
| 10-year loan interest @ 6.8% | $8,527.00 | $11,898.00 | $25,977.00 |
| Total monthly payment | $258.00 | $359.00 | $785.00 |
| Total amount paid | $30,909.00 | $43,128.00 | $94,165.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.4% | 7.4% | 7.4% |
| Freshman year | $5,014.00 | $6,996.00 | $15,275.00 |
| Senior year | $5,383.00 | $7,511.00 | $16,400.00 |
| Total 2-year net price | $10,397.00 | $14,507.00 | $31,675.00 |
| 10-year loan interest @ 6.8% | $3,961.00 | $5,527.00 | $12,067.00 |
| Total monthly payment | $120.00 | $167.00 | $365.00 |
| Total amount paid | $14,358.00 | $20,034.00 | $43,742.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.4% | 7.4% | 7.4% |
| Freshman year | $6,571.00 | $8,553.00 | $16,832.00 |
| Senior year | $8,132.00 | $10,585.00 | $20,832.00 |
| Total 4-year net price | $29,332.00 | $38,180.00 | $75,137.00 |
| 10-year loan interest @ 6.8% | $11,174.00 | $14,545.00 | $28,625.00 |
| Total monthly payment | $338.00 | $439.00 | $865.00 |
| Total amount paid | $40,507.00 | $52,725.00 | $103,762.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.4% | 7.4% | 7.4% |
| Freshman year | $6,571.00 | $8,553.00 | $16,832.00 |
| Senior year | $7,055.00 | $9,183.00 | $18,071.00 |
| Total 2-year net price | $13,626.00 | $17,735.00 | $34,903.00 |
| 10-year loan interest @ 6.8% | $5,191.00 | $6,757.00 | $13,297.00 |
| Total monthly payment | $157.00 | $204.00 | $402.00 |
| Total amount paid | $18,816.00 | $24,492.00 | $48,200.00 |
For the complete net-price picture, see the net price section below.
Net price strips out grant and scholarship aid to show what families really pay. 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) | $6,147.00 |
| Average net price (off-campus) | $7,681.00 |
The real cost varies by income because need-based aid scales with financial need. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $6,683.00 |
| $30,000 to $48,000 | $7,400.00 |
| $48,001 to $75,000 | $9,713.00 |
| $75,001 to $110,000 | $10,341.00 |
| Over $110,000 | $12,936.00 |
Get a tailored estimate from the Howard College Net Price Calculator, or check with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid page.
Median graduate debt at Howard College stands at $6,250.00, landing it in the Very Low (<$10k) debt-burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $2,750.00 |
| Median (50th) | $6,250.00 |
| 75th | $9,500.00 |
| 90th | $14,078.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Read the complete debt breakdown on the student-loan-debt breakdown.
Student debt at graduation is not evenly distributed across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $7,125.00 |
| Middle income | $5,977.00 |
| High income | $5,500.00 |
Borrowers from lower-income families leave school with $1,625.00 in additional median debt versus high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $6,213.00 |
| Continuing-generation students | $6,500.00 |
The Pell Grant is the main federal need-based award for undergraduates. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt gap between Pell and non-Pell graduates of Howard College amounts to $1,500.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate tier for Howard College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 22.8% |
To give some context for these rates, Stafford loans disbursed at Howard College come to $51,441,739.00 over 5,787 borrowers.
Veterans and current servicemembers may be eligible for major federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 45 |
| Avg GI Bill amount | $3,846.00 |
| DoD Tuition Assistance recipients | 8 |
| Avg DoD Tuition Assistance | $1,303.00 |
Read more about military and veteran aid on the veteran aid breakdown.
Numbers only tell part of the story. As you weigh Howard College, think through the questions below:
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.