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 Howard College can seem overpowering, but remember that the majority of students are given some form of financial assistance.
What financing options does Howard County Junior College offer, and what will you qualify for? Keep scrolling for more information. Keep going to discover what amount of financial assistance could be accessible to you.
The amount of financial aid and scholarships you are eligible for will vary depending on your family’s income. The information provided on this page can help you determine how much aid you may receive from Howard College.
Financial assistance, available as scholarships, loans, and work-study, is a way schools lower the price of attendance so many students can enroll. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
For incoming first-year students at Howard College, 91% of first-year full-time students received aid of some kind approximately 254 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 81% | $7,494 |
| Institutional grants & scholarships | 42% | $5,842 |
| Federal Pell grants | 51% | $5,478 |
| State/local grants | 25% | $3,245 |
| Federal student loans | 10% | $4,288 |
Unlike loans, grants and scholarships are gift aid that does not need to be paid back, making them the most desirable form of assistance. Across the undergraduate body at Howard County Junior College, some 91% of the undergraduate population received grant aid that averaged $2,175 (across roughly 3763 undergraduates).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 91% | $2,175 |
| Federal Pell grants | 24% | $4,456 |
| Federal student loans | 9% | $5,912 |
Among title-IV aid recipients living on campus, grant and scholarship aid averaged $7,711.
How much a family pays depends heavily on income, because most aid is awarded on the basis of financial need.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $6,900 |
| $30,001 – $75,000 | $8,364 |
| Over $75,000 | $11,082 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $6,147 |
| Off-campus title-IV students | $7,681 |
To get a personalized net price estimate, try Howard County Junior College’s NPC: www.collegeforalltexans.com/apps/CollegeMoney/.
A typical borrower at Howard County Junior College leaves with $6,250 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $6,250 |
| Median federal debt (graduates only) | $9,500 |
| Typical 10-year monthly payment (graduates) | $100.72/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. Use the percentiles below to see the debt range at Howard County Junior College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,750 |
| 25th percentile | $2,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $14,078 |
How much a student borrows depends heavily on family income, first-gen status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $7,125 |
| Middle income | $5,977 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,213 |
| Continuing-generation students | $6,500 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $8,127 |
The figure below distills the debt data into a single burden category for Howard County Junior College.
Most undergraduate borrowing runs through the federal Stafford loan program. The annual Stafford volume below reflects program activity at Howard County Junior College:
| Metric | Value |
|---|---|
| Stafford loan recipients | 5787 |
| Total Stafford loan amount | $51,441,739 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 45 |
| Total GI Bill amount | $173,069 |
| Average GI Bill amount per recipient | $3,846 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 8 |
| Total DoD amount | $10,420 |
| Average DoD amount per recipient | $1,303 |
References
More about our data sources and methodologies.