by our College Data Analytics TeamBelow is the data on what it actually costs to attend Johnson C Smith University, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
Want a specific number? Skip ahead to any section using the links below:
Published attendance costs at Johnson C Smith University works out to about $34,228.00 annually.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $21,300.00 |
| + Room, board & other expenses | $12,928.00 |
| Total cost | $34,228.00 |
| That is 4% above the national average net price. |
| Total cost | $34,228.00 |
| − Grants and scholarships | −$14,029.00 |
| Net price | $20,199.00 |
| That is 38% below the national average net price. |
| Total cost | $34,228.00 |
| − Grants and scholarships | −$14,983.00 |
| Net price | $19,245.00 |
| That is 41% below the national average net price. | |
| Go deeper on the components with tuition and fees and room and board. |
The reported cost series has been increasing by roughly 4.0% per year; the projections below compound that across a degree. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. 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 | 4.0% | 4.0% | 4.0% |
| Freshman year | $20,012.00 | $21,005.00 | $35,593.00 |
| Senior year | $22,504.00 | $23,619.00 | $40,023.00 |
| Total 4-year net price | $84,967.00 | $89,179.00 | $151,118.00 |
| 10-year loan interest @ 6.8% | $32,369.00 | $33,974.00 | $57,570.00 |
| Total monthly payment | $978.00 | $1,026.00 | $1,739.00 |
| Total amount paid | $117,337.00 | $123,153.00 | $208,688.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.0% | 4.0% | 4.0% |
| Freshman year | $20,012.00 | $21,005.00 | $35,593.00 |
| Senior year | $20,811.00 | $21,842.00 | $37,012.00 |
| Total 2-year net price | $40,823.00 | $42,847.00 | $72,606.00 |
| 10-year loan interest @ 6.8% | $15,552.00 | $16,323.00 | $27,660.00 |
| Total monthly payment | $470.00 | $493.00 | $836.00 |
| Total amount paid | $56,375.00 | $59,170.00 | $100,266.00 |
Read more in the net price section below.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $20,894.00 |
| Average net price (off-campus) | $20,011.00 |
The real cost varies by income because need-based aid scales with financial need. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $19,693.00 |
| $30,000 to $48,000 | $29,425.00 |
| $48,001 to $75,000 | $17,959.00 |
| $75,001 to $110,000 | $19,673.00 |
| Over $110,000 | $21,063.00 |
Get a tailored estimate from the Johnson C Smith University Net Price Calculator, or reach out to the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
The median graduating debt at Johnson C Smith University stands at $20,500.00, which federal data classifies as a Moderate ($20-30k) debt-burden bucket.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $5,172.00 |
| 25th | $8,289.00 |
| Median (50th) | $20,500.00 |
| 75th | $33,151.00 |
| 90th | $45,216.00 |
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.
Debt at graduation is far from uniform across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $21,352.00 |
| Middle income | $20,500.00 |
| High income | $19,500.00 |
Low-income graduates carry $1,852.00 more than graduates from high-income families.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $20,686.00 |
| Continuing-generation students | $20,032.00 |
First-generation borrowers from Johnson C Smith University hold $654.00 in additional median debt versus continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Pell vs non-Pell comparisons surface how debt breaks down by need.
The Pell-versus-non-Pell median debt difference at Johnson C Smith University comes to $5,301.00. This institution is flagged by federal data for Pell-debt inequity.
The Department of Education default-rate tier for Johnson C Smith University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 20.4% |
To put the rates in context, Stafford loans at Johnson C Smith University reach $295,913,343.00 across 12,286 loan recipients.
Veteran and active-military students often access dedicated federal aid programs such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 19 |
| Avg GI Bill amount | $17,948.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing Johnson C Smith University, think through the questions below:
Each page below covers one part of paying for college in more detail:
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.