by our College Data Analytics TeamMany students are not billed the advertised price of a school. Instead, they will be provided a financial aid package that will include a combination of scholarships, grants, loans, and work-study. The total price of attendance at Johnson C Smith University can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
What financial aid options can JCSU offer, and what will you qualify for? Keep reading for more information. Keep reading to learn just how much financial aid will be open to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. The figures below will help you estimate the aid you might receive from Johnson C Smith University.
Colleges use loans, grants, scholarships and work-study to minimize what students actually pay out of pocket. Keep in mind that certain forms of assistance are more beneficial than others, and aid amounts differ from student to student.
For incoming first-year students at Johnson C Smith University, 99% of the incoming full-time class was awarded financial aid (about 275 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 93% | $15,238 |
| Institutional grants & scholarships | 66% | $10,581 |
| Federal Pell grants | 75% | $6,171 |
| State/local grants | 34% | $6,043 |
| Federal student loans | 71% | $6,568 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. Here, some 93% of the undergraduate population received grant aid that averaged $16,611 (across approximately 981 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 93% | $16,611 |
| Federal Pell grants | 69% | $5,979 |
| Federal student loans | 75% | $7,342 |
Among title-IV aid recipients living on campus, grant and scholarship aid averaged $14,029.
Need-based aid means lower-income families typically pay far less than the sticker price suggests.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $20,681 |
| $30,001 – $75,000 | $20,403 |
| Over $75,000 | $20,269 |
Each amount is the average cost remaining once grant aid is subtracted, by income band.
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 | $20,894 |
| Off-campus title-IV students | $20,011 |
To project your own net price, use JCSU’s net price tool: www.jcsu.edu/admissions/tuition-and-financial-aid/net-price-calculator.
Graduating students at JCSU carry a median federal student debt of $20,500 of federal student loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $20,500 |
| Median federal debt (graduates only) | $30,000 |
| Typical 10-year monthly payment (graduates) | $318.05/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
Looking only at the median can be misleading because it hides the spread. Use the percentiles below to see the debt range at JCSU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,172 |
| 25th percentile | $8,289 |
| 75th percentile | $33,151 |
| 90th percentile (highest-debt students) | $45,216 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $21,352 |
| Middle income | $20,500 |
| High income | $19,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $20,686 |
| Continuing-generation students | $20,032 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,000 |
| Independent students | $27,606 |
Federal data publishes pre-calculated indicators that summarize debt outcomes. JCSU.
Stafford loans are the federal government’s primary direct undergraduate lending program. These figures summarize annual Stafford program activity at JCSU:
| Metric | Value |
|---|---|
| Stafford loan recipients | 12286 |
| Total Stafford loan amount | $295,913,343 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 19 |
| Total GI Bill amount | $341,003 |
| Average GI Bill amount per recipient | $17,948 |
References
More about our data sources and methodologies.