by our College Data Analytics TeamHere’s the full picture on paying for Howard Payne University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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The cost of attendance at Howard Payne University amounts to about $44,579.00 per academic year.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $34,982.00 |
| + Room, board & other expenses | $9,597.00 |
| Total cost | $44,579.00 |
| That is 36% above the national average net price. |
| Total cost | $44,579.00 |
| − Grants and scholarships | −$23,139.00 |
| Net price | $21,440.00 |
| That is 35% below the national average net price. |
| Total cost | $44,579.00 |
| − Grants and scholarships | −$22,723.00 |
| Net price | $21,856.00 |
| That is 33% below the national average net price. | |
| Explore each piece on tuition and fees and room and board. |
Cost of attendance here has been rising by around 4.6% a year, so a full degree will cost more than a single year — the tables below carry that forward. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.6% | 4.6% | 4.6% |
| Freshman year | $22,852.00 | $22,417.00 | $46,610.00 |
| Senior year | $26,120.00 | $25,623.00 | $53,276.00 |
| Total 4-year net price | $97,846.00 | $95,984.00 | $199,574.00 |
| 10-year loan interest @ 6.8% | $37,276.00 | $36,566.00 | $76,031.00 |
| Total monthly payment | $1,126.00 | $1,105.00 | $2,297.00 |
| Total amount paid | $135,122.00 | $132,550.00 | $275,605.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.6% | 4.6% | 4.6% |
| Freshman year | $22,852.00 | $22,417.00 | $46,610.00 |
| Senior year | $23,893.00 | $23,438.00 | $48,734.00 |
| Total 2-year net price | $46,745.00 | $45,855.00 | $95,344.00 |
| 10-year loan interest @ 6.8% | $17,808.00 | $17,469.00 | $36,323.00 |
| Total monthly payment | $538.00 | $528.00 | $1,097.00 |
| Total amount paid | $64,553.00 | $63,324.00 | $131,667.00 |
Jump to the net-price detail in the net price section below.
The net price figure shows the cost after grants and scholarships are deducted. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $23,627.00 |
| Average net price (off-campus) | $25,744.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $20,589.00 |
| $30,000 to $48,000 | $22,305.00 |
| $48,001 to $75,000 | $26,844.00 |
| $75,001 to $110,000 | $29,620.00 |
| Over $110,000 | $29,652.00 |
Use Howard Payne University Net Price Calculator, or get in touch with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
Typical debt at graduation from Howard Payne University amounts to $11,892.00, landing it in the Low ($10-20k) debt-burden bucket.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $5,500.00 |
| Median (50th) | $11,892.00 |
| 75th | $23,500.00 |
| 90th | $33,000.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student loan debt page.
Debt outcomes vary substantially with family income. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $9,500.00 |
| Middle income | $13,166.00 |
| High income | $11,000.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $11,988.00 |
| Continuing-generation students | $11,000.00 |
First-generation borrowers from Howard Payne University hold $988.00 in additional median debt versus continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The Pell vs non-Pell debt gap at Howard Payne University stands at $4,750.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The default-rate classification at Howard Payne University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 13.3% |
To give some context for these rates, Stafford loans disbursed at Howard Payne University add up to $99,062,903.00 spread across 6,069 recipients.
Veteran and active-military students often access dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 16 |
| Avg GI Bill amount | $8,789.00 |
Dig into veteran education benefits on the veterans benefits detail.
Beyond the data above, it helps to ask a few questions when weighing Howard Payne University, keep these questions in mind:
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.