by our College Data Analytics TeamHere is what you can expect to pay at Howard Community 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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Attendance costs at Howard Community College varied between $15,645.00 and up to $18,045.00 based on in-state versus out-of-state status.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: near $15,645.00 in-state compared with $18,045.00 for those paying out-of-state rates.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $7,224.00 |
| + Room, board & other expenses | $8,421.00 |
| Total cost | $15,645.00 |
| That is 19% below the national average net price. |
| Total cost | $15,645.00 |
| − Grants and scholarships | −$5,641.00 |
| Net price | $10,004.00 |
| That is 48% below the national average net price. |
| Total cost | $15,645.00 |
| − Grants and scholarships | −$7,060.00 |
| Net price | $8,585.00 |
| That is 55% below the national average net price. |
| Tuition and fees | $9,624.00 |
| + Room, board & other expenses | $8,421.00 |
| Total cost | $18,045.00 |
| That is 6% below the national average net price. |
| Total cost | $18,045.00 |
| − Grants and scholarships | −$5,641.00 |
| Net price | $12,404.00 |
| That is 36% below the national average net price. |
| Total cost | $18,045.00 |
| − Grants and scholarships | −$7,060.00 |
| Net price | $10,985.00 |
| That is 43% below the national average net price. | |
| Go deeper on the components with tuition and fees and living costs. |
Costs have trended upward in recent years by roughly 6.5% per year, so the four-year total runs well above today’s cost. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 6.5% | 6.5% | 6.5% |
| Freshman year | $9,143.00 | $10,654.00 | $16,662.00 |
| Senior year | $11,044.00 | $12,869.00 | $20,126.00 |
| Total 4-year net price | $40,294.00 | $46,954.00 | $73,430.00 |
| 10-year loan interest @ 6.8% | $15,351.00 | $17,888.00 | $27,974.00 |
| Total monthly payment | $464.00 | $540.00 | $845.00 |
| Total amount paid | $55,644.00 | $64,842.00 | $101,404.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.5% | 6.5% | 6.5% |
| Freshman year | $9,143.00 | $10,654.00 | $16,662.00 |
| Senior year | $9,737.00 | $11,347.00 | $17,745.00 |
| Total 2-year net price | $18,880.00 | $22,001.00 | $34,406.00 |
| 10-year loan interest @ 6.8% | $7,193.00 | $8,381.00 | $13,108.00 |
| Total monthly payment | $217.00 | $253.00 | $396.00 |
| Total amount paid | $26,073.00 | $30,382.00 | $47,514.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.5% | 6.5% | 6.5% |
| Freshman year | $11,699.00 | $13,210.00 | $19,218.00 |
| Senior year | $14,131.00 | $15,957.00 | $23,213.00 |
| Total 4-year net price | $51,558.00 | $58,218.00 | $84,695.00 |
| 10-year loan interest @ 6.8% | $19,642.00 | $22,179.00 | $32,266.00 |
| Total monthly payment | $593.00 | $670.00 | $975.00 |
| Total amount paid | $71,200.00 | $80,398.00 | $116,960.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 6.5% | 6.5% | 6.5% |
| Freshman year | $11,699.00 | $13,210.00 | $19,218.00 |
| Senior year | $12,459.00 | $14,069.00 | $20,467.00 |
| Total 2-year net price | $24,158.00 | $27,279.00 | $39,684.00 |
| 10-year loan interest @ 6.8% | $9,203.00 | $10,392.00 | $15,118.00 |
| Total monthly payment | $278.00 | $314.00 | $457.00 |
| Total amount paid | $33,361.00 | $37,671.00 | $54,803.00 |
For the complete net-price picture, see 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. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $11,133.00 |
| Average net price (off-campus) | $10,225.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $9,076.00 |
| $30,000 to $48,000 | $9,616.00 |
| $48,001 to $75,000 | $10,842.00 |
| $75,001 to $110,000 | $13,205.00 |
| Over $110,000 | $14,837.00 |
Get a tailored estimate from the Howard Community College Net Price Calculator, or reach out to the financial aid office.
Dig into how aid is awarded on the grants & scholarships detail.
Median graduate debt at Howard Community College comes to $8,250.00, which the Department of Education classifies as a Very Low (<$10k) burden tier.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,700.00 |
| 25th | $3,000.00 |
| Median (50th) | $8,250.00 |
| 75th | $10,750.00 |
| 90th | $19,000.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Explore borrowing, repayment, and default in detail on the student-loan-debt breakdown.
Student debt at graduation is not evenly distributed across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $9,500.00 |
| Middle income | $7,719.00 |
| High income | $5,500.00 |
Graduates from lower-income families carry $4,000.00 more debt than 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 | $8,585.00 |
| Continuing-generation students | $6,936.00 |
First-gen students at Howard Community College carry $1,649.00 more debt than continuing-generation students.
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Pell vs non-Pell comparisons surface how debt breaks down by need.
The median debt difference between Pell-eligible and non-Pell graduates of Howard Community College comes to $3,000.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate tier for Howard Community College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.9% |
For context on the loan portfolio, Stafford disbursements at Howard Community College amount to $106,854,142.00 over 9,670 loan recipients.
Veterans and current servicemembers may be eligible for major federal education benefits like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 155 |
| Avg GI Bill amount | $2,989.00 |
| DoD Tuition Assistance recipients | 29 |
| Avg DoD Tuition Assistance | $1,053.00 |
Read more about military and veteran aid on the college veterans page.
Numbers only tell part of the story. As you weigh Howard Community College, think through the questions below:
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.