by our College Data Analytics TeamThis overview lays out the cost of attending North Central Texas College, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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The total cost of attendance at North Central Texas College ranged from $10,212.00 and $10,863.00 based on in-state versus out-of-state status.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: around $10,212.00 for in-state students versus $10,863.00 for those paying out-of-state rates.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $5,088.00 |
| + Room, board & other expenses | $5,124.00 |
| Total cost | $10,212.00 |
| That is 47% below the national average net price. |
| Total cost | $10,212.00 |
| − Grants and scholarships | −$3,613.00 |
| Net price | $6,599.00 |
| That is 66% below the national average net price. |
| Total cost | $10,212.00 |
| − Grants and scholarships | −$4,761.00 |
| Net price | $5,451.00 |
| That is 72% below the national average net price. |
| Tuition and fees | $5,739.00 |
| + Room, board & other expenses | $5,124.00 |
| Total cost | $10,863.00 |
| That is 44% below the national average net price. |
| Total cost | $10,863.00 |
| − Grants and scholarships | −$3,613.00 |
| Net price | $7,250.00 |
| That is 62% below the national average net price. |
| Total cost | $10,863.00 |
| − Grants and scholarships | −$4,761.00 |
| Net price | $6,102.00 |
| That is 68% below the national average net price. | |
| For the full breakdown, see the tuition & fees page plus living costs. |
Below, a full degree is projected forward at today’s cost. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,451.00 | $6,599.00 | $10,212.00 |
| Senior year | $5,451.00 | $6,599.00 | $10,212.00 |
| Total 4-year net price | $21,804.00 | $26,396.00 | $40,848.00 |
| 10-year loan interest @ 6.8% | $8,307.00 | $10,056.00 | $15,562.00 |
| Total monthly payment | $251.00 | $304.00 | $470.00 |
| Total amount paid | $30,111.00 | $36,452.00 | $56,410.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,451.00 | $6,599.00 | $10,212.00 |
| Senior year | $5,451.00 | $6,599.00 | $10,212.00 |
| Total 2-year net price | $10,902.00 | $13,198.00 | $20,424.00 |
| 10-year loan interest @ 6.8% | $4,153.00 | $5,028.00 | $7,781.00 |
| Total monthly payment | $125.00 | $152.00 | $235.00 |
| Total amount paid | $15,055.00 | $18,226.00 | $28,205.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $6,102.00 | $7,250.00 | $10,863.00 |
| Senior year | $6,102.00 | $7,250.00 | $10,863.00 |
| Total 4-year net price | $24,408.00 | $29,000.00 | $43,452.00 |
| 10-year loan interest @ 6.8% | $9,299.00 | $11,048.00 | $16,554.00 |
| Total monthly payment | $281.00 | $334.00 | $500.00 |
| Total amount paid | $33,707.00 | $40,048.00 | $60,006.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $6,102.00 | $7,250.00 | $10,863.00 |
| Senior year | $6,102.00 | $7,250.00 | $10,863.00 |
| Total 2-year net price | $12,204.00 | $14,500.00 | $21,726.00 |
| 10-year loan interest @ 6.8% | $4,649.00 | $5,524.00 | $8,277.00 |
| Total monthly payment | $140.00 | $167.00 | $250.00 |
| Total amount paid | $16,853.00 | $20,024.00 | $30,003.00 |
| See the full net-price breakdown in the net-price section. |
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) | $6,587.00 |
| Average net price (off-campus) | $6,714.00 |
The real cost varies by income because need-based aid scales with financial need. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $5,747.00 |
| $30,000 to $48,000 | $5,379.00 |
| $48,001 to $75,000 | $6,712.00 |
| $75,001 to $110,000 | $9,482.00 |
| Over $110,000 | $9,959.00 |
Use North Central Texas College Net Price Calculator, or check with the financial aid office.
Dig into how aid is awarded on the grants & scholarships detail.
The typical debt load for borrowers leaving North Central Texas College amounts to $6,020.00, landing it in the Very Low (<$10k) debt-load classification.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $2,250.00 |
| Median (50th) | $6,020.00 |
| 75th | $7,750.00 |
| 90th | $13,266.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Explore borrowing, repayment, and default in detail on the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $7,045.00 |
| Middle income | $5,500.00 |
| High income | $5,500.00 |
Borrowers from lower-income families leave school with $1,545.00 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 | $6,500.00 |
| Continuing-generation students | $5,500.00 |
First-gen borrowers at North Central Texas College leave with $1,000.00 more debt than continuing-generation students.
Pell Grants are the federal government’s primary need-based undergraduate aid program. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell-versus-non-Pell median debt difference at North Central Texas College stands at $1,500.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The federal default-rate classification for North Central Texas College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 11.2% |
For a sense of scale, Stafford disbursements at North Central Texas College total $135,956,865.00 across 16,897 borrowers.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 168 |
| Avg GI Bill amount | $2,924.00 |
| DoD Tuition Assistance recipients | 4 |
| Avg DoD Tuition Assistance | $1,351.00 |
Explore GI Bill and military aid in detail on the veterans benefits detail.
Use the figures above as a launch point, then think through North Central Texas College, think through the questions below:
Dig further into the cost picture with the related pages below:
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.