by our College Data Analytics TeamThis overview lays out the cost of attending Saddleback 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 Saddleback College ranged from $11,792.00 and $22,496.00 depending on residency and living arrangement.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: roughly $11,792.00 in-state against $22,496.00 for those paying out-of-state rates.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $1,156.00 |
| + Room, board & other expenses | $10,636.00 |
| Total cost | $11,792.00 |
| That is 39% below the national average net price. |
| Total cost | $11,792.00 |
| − Grants and scholarships | −$9,787.00 |
| Net price | $2,005.00 |
| That is 90% below the national average net price. |
| Total cost | $11,792.00 |
| − Grants and scholarships | −$11,343.00 |
| Net price | $449.00 |
| That is 98% below the national average net price. |
| Tuition and fees | $11,860.00 |
| + Room, board & other expenses | $10,636.00 |
| Total cost | $22,496.00 |
| That is 17% above the national average net price. |
| Total cost | $22,496.00 |
| − Grants and scholarships | −$9,787.00 |
| Net price | $12,709.00 |
| That is 34% below the national average net price. |
| Total cost | $22,496.00 |
| − Grants and scholarships | −$11,343.00 |
| Net price | $11,153.00 |
| That is 42% below the national average net price. | |
| Explore each piece on tuition and fees plus room and board. |
Published costs have climbed year over year at a recent average of 7.2% per year; the projections below compound that across a degree. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.2% | 7.2% | 7.2% |
| Freshman year | $481.00 | $2,150.00 | $12,643.00 |
| Senior year | $593.00 | $2,649.00 | $15,582.00 |
| Total 4-year net price | $2,144.00 | $9,575.00 | $56,313.00 |
| 10-year loan interest @ 6.8% | $817.00 | $3,648.00 | $21,453.00 |
| Total monthly payment | $25.00 | $110.00 | $648.00 |
| Total amount paid | $2,961.00 | $13,223.00 | $77,766.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.2% | 7.2% | 7.2% |
| Freshman year | $481.00 | $2,150.00 | $12,643.00 |
| Senior year | $516.00 | $2,305.00 | $13,555.00 |
| Total 2-year net price | $998.00 | $4,454.00 | $26,198.00 |
| 10-year loan interest @ 6.8% | $380.00 | $1,697.00 | $9,980.00 |
| Total monthly payment | $11.00 | $51.00 | $301.00 |
| Total amount paid | $1,378.00 | $6,151.00 | $36,178.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.2% | 7.2% | 7.2% |
| Freshman year | $11,958.00 | $13,626.00 | $24,119.00 |
| Senior year | $14,737.00 | $16,793.00 | $29,726.00 |
| Total 4-year net price | $53,261.00 | $60,692.00 | $107,429.00 |
| 10-year loan interest @ 6.8% | $20,291.00 | $23,121.00 | $40,927.00 |
| Total monthly payment | $613.00 | $698.00 | $1,236.00 |
| Total amount paid | $73,552.00 | $83,813.00 | $148,356.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 7.2% | 7.2% | 7.2% |
| Freshman year | $11,958.00 | $13,626.00 | $24,119.00 |
| Senior year | $12,820.00 | $14,609.00 | $25,859.00 |
| Total 2-year net price | $24,778.00 | $28,235.00 | $49,979.00 |
| 10-year loan interest @ 6.8% | $9,440.00 | $10,757.00 | $19,040.00 |
| Total monthly payment | $285.00 | $325.00 | $575.00 |
| Total amount paid | $34,218.00 | $38,992.00 | $69,019.00 |
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 prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $4,152.00 |
| Average net price (off-campus) | $2,976.00 |
The real cost varies by income because need-based aid scales with financial need. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $2,084.00 |
| $30,000 to $48,000 | $2,084.00 |
| $48,001 to $75,000 | $5,394.00 |
| $75,001 to $110,000 | $5,500.00 |
| Over $110,000 | $8,394.00 |
Estimate your specific net price using the school’s Saddleback College Net Price Calculator, or contact the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
Typical debt at graduation from Saddleback College amounts to $6,988.00, categorized as a Very Low (<$10k) debt-burden category.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $2,750.00 |
| Median (50th) | $6,988.00 |
| 75th | $10,500.00 |
| 90th | $19,631.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
For the full borrowing and repayment picture, see the student loan debt page.
Student debt at graduation is not evenly distributed across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $8,750.00 |
| Middle income | $5,713.00 |
| High income | $4,650.00 |
Graduates from lower-income families carry $4,100.00 more than graduates from high-income families.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $7,125.00 |
| Continuing-generation students | $5,625.00 |
First-generation graduates from Saddleback College take on $1,500.00 more median debt than continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The gap between Pell-eligible and non-Pell median debt at Saddleback College works out to $3,242.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate classification for Saddleback College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 10.5% |
For a sense of scale, Stafford disbursements at Saddleback College reach $33,075,476.00 across 3,601 borrowers.
The figures above are a starting point — as you weigh Saddleback College, 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.