by our College Data Analytics TeamThis guide covers the real cost of attending Otero 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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The full cost of attending Otero College ranged from $20,413.00 through $23,123.00 depending on residency and living arrangement.
In-state residents qualified for the lower cost, with out-of-state students paying more: near $20,413.00 in-state, rising to $23,123.00 out-of-state.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $4,576.00 |
| + Room, board & other expenses | $15,837.00 |
| Total cost | $20,413.00 |
| That is 6% above the national average net price. |
| Total cost | $20,413.00 |
| − Grants and scholarships | −$9,917.00 |
| Net price | $10,496.00 |
| That is 45% below the national average net price. |
| Total cost | $20,413.00 |
| − Grants and scholarships | −$11,285.00 |
| Net price | $9,128.00 |
| That is 53% below the national average net price. |
| Tuition and fees | $7,286.00 |
| + Room, board & other expenses | $15,837.00 |
| Total cost | $23,123.00 |
| That is 20% above the national average net price. |
| Total cost | $23,123.00 |
| − Grants and scholarships | −$9,917.00 |
| Net price | $13,206.00 |
| That is 31% below the national average net price. |
| Total cost | $23,123.00 |
| − Grants and scholarships | −$11,285.00 |
| Net price | $11,838.00 |
| That is 39% below the national average net price. | |
| For the full breakdown, see tuition and fees and room and board. |
Costs have trended upward in recent years by around 3.5% 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. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $9,452.00 | $10,868.00 | $21,137.00 |
| Senior year | $10,494.00 | $12,067.00 | $23,469.00 |
| Total 4-year net price | $39,868.00 | $45,843.00 | $89,158.00 |
| 10-year loan interest @ 6.8% | $15,188.00 | $17,465.00 | $33,966.00 |
| Total monthly payment | $459.00 | $528.00 | $1,026.00 |
| Total amount paid | $55,057.00 | $63,308.00 | $123,124.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $9,452.00 | $10,868.00 | $21,137.00 |
| Senior year | $9,787.00 | $11,254.00 | $21,888.00 |
| Total 2-year net price | $19,239.00 | $22,123.00 | $43,025.00 |
| 10-year loan interest @ 6.8% | $7,329.00 | $8,428.00 | $16,391.00 |
| Total monthly payment | $221.00 | $255.00 | $495.00 |
| Total amount paid | $26,569.00 | $30,551.00 | $59,416.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $12,258.00 | $13,675.00 | $23,944.00 |
| Senior year | $13,610.00 | $15,183.00 | $26,584.00 |
| Total 4-year net price | $51,705.00 | $57,680.00 | $100,994.00 |
| 10-year loan interest @ 6.8% | $19,698.00 | $21,974.00 | $38,475.00 |
| Total monthly payment | $595.00 | $664.00 | $1,162.00 |
| Total amount paid | $71,403.00 | $79,654.00 | $139,470.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.5% | 3.5% | 3.5% |
| Freshman year | $12,258.00 | $13,675.00 | $23,944.00 |
| Senior year | $12,693.00 | $14,160.00 | $24,793.00 |
| Total 2-year net price | $24,951.00 | $27,835.00 | $48,737.00 |
| 10-year loan interest @ 6.8% | $9,506.00 | $10,604.00 | $18,567.00 |
| Total monthly payment | $287.00 | $320.00 | $561.00 |
| Total amount paid | $34,457.00 | $38,439.00 | $67,304.00 |
Jump to the net-price detail 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) | $11,103.00 |
| Average net price (off-campus) | $11,329.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,947.00 |
| $30,000 to $48,000 | $8,192.00 |
| $48,001 to $75,000 | $13,164.00 |
| $75,001 to $110,000 | $15,083.00 |
| Over $110,000 | $15,653.00 |
Run your own numbers with the Otero College Net Price Calculator, or contact the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
Typical debt at graduation from Otero College comes to $6,000.00, which the Department of Education classifies as a Very Low (<$10k) burden category.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $3,496.00 |
| Median (50th) | $6,000.00 |
| 75th | $9,500.00 |
| 90th | $13,496.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Dig deeper into debt on the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $6,250.00 |
| Middle income | $5,600.00 |
| High income | $5,950.00 |
Borrowers from lower-income families leave school with $300.00 more debt than high-income graduates.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $6,125.00 |
| Continuing-generation students | $5,500.00 |
First-generation graduates of Otero College leave with $625.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the largest source of federal need-based aid for undergrads. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt gap between Pell and non-Pell graduates of Otero College comes to $546.00. This school carries a federal Pell-debt-inequity flag.
The default-rate classification at Otero College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 23.3% |
For scale, federal Stafford loan disbursements at Otero College total $44,903,535.00 distributed across 4,242 borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 10 |
| Avg GI Bill amount | $6,230.00 |
Explore GI Bill and military aid in detail on the veterans benefits detail.
Use the figures above as a launch point, then think through Otero College, 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.