by our College Data Analytics TeamMost students will never be charged the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The total price of attendance at Pasco-Hernando State College can feel overpowering, but remember that the majority of students receive some sort of financial assistance.
Just what financial assistance solutions will PHSC deliver, and just what are you going to be eligible for? Read on for answers. Read on to discover just how much financial aid could be open to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. Use the information below to understand how much financial assistance you may get from Pasco-Hernando State College.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
For incoming first-year students at Pasco-Hernando State College, 100% of new full-time first-years were awarded at least some aid approximately 1280 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 58% | $6,260 |
| Institutional grants & scholarships | 8% | $2,329 |
| Federal Pell grants | 44% | $6,127 |
| State/local grants | 27% | $2,573 |
| Federal student loans | 8% | $9,041 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. At PHSC, some 36% of undergraduate students received gift aid averaging $4,723 (for some 3379 undergraduates).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 36% | $4,723 |
| Federal Pell grants | 29% | $4,576 |
| Federal student loans | 7% | $11,234 |
For on-campus title-IV students, average grant aid came to $6,527.
Because need-based aid scales with family income, what students actually pay differs sharply across income brackets.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $3,963 |
| $30,001 – $75,000 | $5,575 |
| Over $75,000 | $9,383 |
Remember these are net prices — what families pay after gift aid, not before.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $5,203 |
| Off-campus title-IV students | $5,154 |
For a personalized estimate based on your family’s financial situation, use PHSC’s NPC: cpnta.phsc.edu/csrs/hlp/NetPriceCalc/npcalc.htm.
The median federal debt load at PHSC comes to $7,000 of cumulative federal debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $7,000 |
| Median federal debt (graduates only) | $9,535 |
| Typical 10-year monthly payment (graduates) | $101.09/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
The numbers below show the full range, not just the middle of the distribution. These percentiles trace how cumulative federal debt is spread among borrowers at PHSC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,500 |
| 25th percentile | $2,750 |
| 75th percentile | $10,712 |
| 90th percentile (highest-debt students) | $19,282 |
Median debt varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,593 |
| Middle income | $6,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,331 |
| Continuing-generation students | $5,571 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
The figure below distills the debt data into a single burden category for PHSC.
The Stafford program is the federal direct-loan vehicle most undergraduates use. The aggregate figures below show how active the program is at PHSC:
| Metric | Value |
|---|---|
| Stafford loan recipients | 13241 |
| Total Stafford loan amount | $134,977,875 |
If you are a veteran or active-duty service member, the GI Bill and DoD Tuition Assistance are the primary federal programs you can use at this school.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 304 |
| Total GI Bill amount | $466,944 |
| Average GI Bill amount per recipient | $1,536 |
DoD program volume
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 11 |
| Total DoD amount | $6,446 |
| Average DoD amount per recipient | $586 |
References
More about our data sources and methodologies.