by our College Data Analytics TeamBelow is the data on what it actually costs to attend University of Holy Cross, 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 University of Holy Cross is about $28,380.00 per academic year.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $16,576.00 |
| + Room, board & other expenses | $11,804.00 |
| Total cost | $28,380.00 |
| That is 13% below the national average net price. |
| Total cost | $28,380.00 |
| − Grants and scholarships | −$11,906.00 |
| Net price | $16,474.00 |
| That is 50% below the national average net price. |
| Total cost | $28,380.00 |
| − Grants and scholarships | −$13,339.00 |
| Net price | $15,041.00 |
| That is 54% below the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page and living costs. |
Costs have trended upward in recent years by roughly 2.8% per year; the projections below compound that across a degree. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 2.8% | 2.8% | 2.8% |
| Freshman year | $15,456.00 | $16,929.00 | $29,163.00 |
| Senior year | $16,771.00 | $18,369.00 | $31,644.00 |
| Total 4-year net price | $64,430.00 | $70,569.00 | $121,570.00 |
| 10-year loan interest @ 6.8% | $24,546.00 | $26,884.00 | $46,314.00 |
| Total monthly payment | $741.00 | $812.00 | $1,399.00 |
| Total amount paid | $88,976.00 | $97,453.00 | $167,883.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.8% | 2.8% | 2.8% |
| Freshman year | $15,456.00 | $16,929.00 | $29,163.00 |
| Senior year | $15,882.00 | $17,396.00 | $29,968.00 |
| Total 2-year net price | $31,338.00 | $34,324.00 | $59,131.00 |
| 10-year loan interest @ 6.8% | $11,939.00 | $13,076.00 | $22,527.00 |
| Total monthly payment | $361.00 | $395.00 | $680.00 |
| Total amount paid | $43,277.00 | $47,400.00 | $81,658.00 |
See the full net-price breakdown in the Net Price section.
The net price figure shows the cost after grants and scholarships are deducted. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $15,635.00 |
| Average net price (off-campus) | $13,593.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $16,852.00 |
| $30,000 to $48,000 | $18,852.00 |
| $48,001 to $75,000 | $13,949.00 |
| $75,001 to $110,000 | $17,623.00 |
| Over $110,000 | $16,177.00 |
For a personalized estimate, try the University of Holy Cross Net Price Calculator, or contact the financial aid office.
Want to know how that aid is awarded? See the financial aid page.
The typical debt load for borrowers leaving University of Holy Cross stands at $19,500.00, which the Department of Education classifies as a Low ($10-20k) burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $6,250.00 |
| Median (50th) | $19,500.00 |
| 75th | $28,000.00 |
| 90th | $42,000.00 |
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 page.
Family income tracks closely with debt at graduation. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $20,099.00 |
| Middle income | $18,750.00 |
| High income | $19,301.00 |
Borrowers from lower-income families leave school with $798.00 more debt than their high-income peers.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $18,969.00 |
| Continuing-generation students | $21,375.00 |
The Pell Grant is the main federal need-based award for undergraduates. Pell vs non-Pell comparisons surface how debt breaks down by need.
The median debt difference between Pell-eligible and non-Pell graduates of University of Holy Cross stands at $8,113.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The default-rate classification at University of Holy Cross is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.6% |
For scale, federal Stafford loan disbursements at University of Holy Cross add up to $167,619,891.00 spread across 5,989 recipients.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 15 |
| Avg GI Bill amount | $5,049.00 |
| DoD Tuition Assistance recipients | 4 |
| Avg DoD Tuition Assistance | $3,000.00 |
Read more about military and veteran aid on the veterans benefits detail.
Numbers only tell part of the story. As you weigh University of Holy Cross, the questions below are worth your time:
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.