by our College Data Analytics TeamHere’s the full picture on paying for North Iowa Area 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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Cost of attendance at North Iowa Area Community College varied between $15,161.00 to $18,059.00 depending on residency and living arrangement.
In-state residents qualified for the lower cost, with out-of-state students paying more: roughly $15,161.00 in-state against $18,059.00 for those paying out-of-state rates.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $6,653.00 |
| + Room, board & other expenses | $8,508.00 |
| Total cost | $15,161.00 |
| That is 21% below the national average net price. |
| Total cost | $15,161.00 |
| − Grants and scholarships | −$7,030.00 |
| Net price | $8,131.00 |
| That is 58% below the national average net price. |
| Total cost | $15,161.00 |
| − Grants and scholarships | −$8,569.00 |
| Net price | $6,592.00 |
| That is 66% below the national average net price. |
| Tuition and fees | $9,551.00 |
| + Room, board & other expenses | $8,508.00 |
| Total cost | $18,059.00 |
| That is 6% below the national average net price. |
| Total cost | $18,059.00 |
| − Grants and scholarships | −$7,030.00 |
| Net price | $11,029.00 |
| That is 43% below the national average net price. |
| Total cost | $18,059.00 |
| − Grants and scholarships | −$8,569.00 |
| Net price | $9,490.00 |
| That is 51% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees and living costs. |
Cost of attendance here has been rising at a recent average of 3.8% a year, so a full degree will cost more than a single year — the tables below carry that forward. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $6,841.00 | $8,438.00 | $15,733.00 |
| Senior year | $7,644.00 | $9,429.00 | $17,581.00 |
| Total 4-year net price | $28,950.00 | $35,709.00 | $66,583.00 |
| 10-year loan interest @ 6.8% | $11,029.00 | $13,604.00 | $25,366.00 |
| Total monthly payment | $333.00 | $411.00 | $766.00 |
| Total amount paid | $39,979.00 | $49,313.00 | $91,948.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $6,841.00 | $8,438.00 | $15,733.00 |
| Senior year | $7,099.00 | $8,756.00 | $16,326.00 |
| Total 2-year net price | $13,939.00 | $17,194.00 | $32,059.00 |
| 10-year loan interest @ 6.8% | $5,310.00 | $6,550.00 | $12,213.00 |
| Total monthly payment | $160.00 | $198.00 | $369.00 |
| Total amount paid | $19,250.00 | $23,744.00 | $44,273.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $9,848.00 | $11,445.00 | $18,740.00 |
| Senior year | $11,005.00 | $12,790.00 | $20,942.00 |
| Total 4-year net price | $41,677.00 | $48,436.00 | $79,310.00 |
| 10-year loan interest @ 6.8% | $15,878.00 | $18,452.00 | $30,214.00 |
| Total monthly payment | $480.00 | $557.00 | $913.00 |
| Total amount paid | $57,555.00 | $66,889.00 | $109,524.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.8% | 3.8% | 3.8% |
| Freshman year | $9,848.00 | $11,445.00 | $18,740.00 |
| Senior year | $10,219.00 | $11,877.00 | $19,447.00 |
| Total 2-year net price | $20,067.00 | $23,322.00 | $38,187.00 |
| 10-year loan interest @ 6.8% | $7,645.00 | $8,885.00 | $14,548.00 |
| Total monthly payment | $231.00 | $268.00 | $439.00 |
| Total amount paid | $27,712.00 | $32,207.00 | $52,735.00 |
Jump to the net-price detail in the net-price section.
Net price strips out grant and scholarship aid to show what families really pay. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $10,010.00 |
| Average net price (off-campus) | $8,849.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $6,912.00 |
| $30,000 to $48,000 | $7,854.00 |
| $48,001 to $75,000 | $8,921.00 |
| $75,001 to $110,000 | $11,655.00 |
| Over $110,000 | $11,851.00 |
For a personalized estimate, try the North Iowa Area Community College Net Price Calculator, or contact the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
The median graduating debt at North Iowa Area Community College amounts to $6,000.00, categorized as a Very Low (<$10k) debt-load classification.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $3,500.00 |
| Median (50th) | $6,000.00 |
| 75th | $10,096.00 |
| 90th | $15,500.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
For the full borrowing and repayment picture, see the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $6,250.00 |
| Middle income | $5,500.00 |
| High income | $6,500.00 |
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $5,500.00 |
| Continuing-generation students | $6,500.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The gap between Pell-eligible and non-Pell median debt at North Iowa Area Community College comes to $746.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate tier for North Iowa Area Community College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 17.4% |
To give some context for these rates, Stafford loans disbursed at North Iowa Area Community College add up to $88,768,126.00 covering 9,894 disbursements.
Veterans and active-duty students can access dedicated federal education aid including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 13 |
| Avg GI Bill amount | $3,377.00 |
| DoD Tuition Assistance recipients | 3 |
| Avg DoD Tuition Assistance | $1,648.00 |
Dig into veteran education benefits on the veteran aid breakdown.
The figures above are a starting point — as you weigh North Iowa Area Community College, consider the following:
Explore the related pages below for a deeper look at the cost picture:
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.