by our College Data Analytics TeamHere’s the full picture on paying for Owensboro Community and Technical College, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
If you want to dig into a particular figure, jump to any section below:
Cost of attendance at Owensboro Community and Technical C fell between $12,483.00 through $14,187.00 depending on whether you qualify for in-state rates.
In-state residents qualified for the lower cost, with out-of-state students paying more: roughly $12,483.00 in-state compared with $14,187.00 out of state.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $4,728.00 |
| + Room, board & other expenses | $7,755.00 |
| Total cost | $12,483.00 |
| That is 35% below the national average net price. |
| Total cost | $12,483.00 |
| − Grants and scholarships | −$7,676.00 |
| Net price | $4,807.00 |
| That is 75% below the national average net price. |
| Total cost | $12,483.00 |
| − Grants and scholarships | −$8,922.00 |
| Net price | $3,561.00 |
| That is 82% below the national average net price. |
| Tuition and fees | $6,432.00 |
| + Room, board & other expenses | $7,755.00 |
| Total cost | $14,187.00 |
| That is 26% below the national average net price. |
| Total cost | $14,187.00 |
| − Grants and scholarships | −$7,676.00 |
| Net price | $6,511.00 |
| That is 66% below the national average net price. |
| Total cost | $14,187.00 |
| − Grants and scholarships | −$8,922.00 |
| Net price | $5,265.00 |
| That is 73% below the national average net price. | |
| Go deeper on the components with tuition and fees and living costs. |
The tables below project a full degree at the current published cost. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $3,561.00 | $4,807.00 | $12,483.00 |
| Senior year | $3,561.00 | $4,807.00 | $12,483.00 |
| Total 4-year net price | $14,244.00 | $19,228.00 | $49,932.00 |
| 10-year loan interest @ 6.8% | $5,426.00 | $7,325.00 | $19,022.00 |
| Total monthly payment | $164.00 | $221.00 | $575.00 |
| Total amount paid | $19,670.00 | $26,553.00 | $68,954.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $3,561.00 | $4,807.00 | $12,483.00 |
| Senior year | $3,561.00 | $4,807.00 | $12,483.00 |
| Total 2-year net price | $7,122.00 | $9,614.00 | $24,966.00 |
| 10-year loan interest @ 6.8% | $2,713.00 | $3,663.00 | $9,511.00 |
| Total monthly payment | $82.00 | $111.00 | $287.00 |
| Total amount paid | $9,835.00 | $13,277.00 | $34,477.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,265.00 | $6,511.00 | $14,187.00 |
| Senior year | $5,265.00 | $6,511.00 | $14,187.00 |
| Total 4-year net price | $21,060.00 | $26,044.00 | $56,748.00 |
| 10-year loan interest @ 6.8% | $8,023.00 | $9,922.00 | $21,619.00 |
| Total monthly payment | $242.00 | $300.00 | $653.00 |
| Total amount paid | $29,083.00 | $35,966.00 | $78,367.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,265.00 | $6,511.00 | $14,187.00 |
| Senior year | $5,265.00 | $6,511.00 | $14,187.00 |
| Total 2-year net price | $10,530.00 | $13,022.00 | $28,374.00 |
| 10-year loan interest @ 6.8% | $4,012.00 | $4,961.00 | $10,809.00 |
| Total monthly payment | $121.00 | $150.00 | $327.00 |
| Total amount paid | $14,542.00 | $17,983.00 | $39,183.00 |
| 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) | $5,800.00 |
| Average net price (off-campus) | $4,627.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $3,980.00 |
| $30,000 to $48,000 | $3,005.00 |
| $48,001 to $75,000 | $5,809.00 |
| $75,001 to $110,000 | $8,810.00 |
| Over $110,000 | $9,948.00 |
Estimate your specific net price using the school’s Owensboro Community and Technical College Net Price Calculator, or reach out to the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
The typical debt load for borrowers leaving Owensboro Community and Technical C is $5,500.00, 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 | $1,500.00 |
| 25th | $2,580.00 |
| Median (50th) | $5,500.00 |
| 75th | $11,000.00 |
| 90th | $17,871.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Read the complete debt breakdown on the student-loan-debt breakdown.
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 | $5,945.00 |
| Middle income | $6,500.00 |
| High income | $5,250.00 |
Borrowers from lower-income families leave school with $695.00 in additional median debt versus high-income graduates.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $5,549.00 |
| Continuing-generation students | $5,244.00 |
First-generation borrowers from Owensboro Community and Technical C leave with $305.00 in extra median debt compared with continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt difference between Pell-eligible and non-Pell graduates of Owensboro Community and Technical C stands at $449.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate classification for Owensboro Community and Technical C is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 20.9% |
To put the rates in context, Stafford loans at Owensboro Community and Technical C come to $59,991,105.00 spread across 6,544 recipients.
Veterans and active-duty servicemembers can tap dedicated federal aid programs like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 52 |
| Avg GI Bill amount | $2,966.00 |
| DoD Tuition Assistance recipients | 2 |
| Avg DoD Tuition Assistance | $846.00 |
Dig into veteran education benefits on the veteran aid breakdown.
Use the figures above as a launch point, then think through Owensboro Community and Technical C, the questions below are worth your time:
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.