by our College Data Analytics TeamThis overview lays out the cost of attending Schenectady County Community College, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
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The total cost of attendance at Schenectady County Community College ranged from $13,169.00 and $15,953.00 depending on residency and living arrangement.
In-state residents qualified for the lower cost, with out-of-state students paying more: close to $13,169.00 in-state compared with $15,953.00 for non-residents.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $6,190.00 |
| + Room, board & other expenses | $6,979.00 |
| Total cost | $13,169.00 |
| That is 32% below the national average net price. |
| Total cost | $13,169.00 |
| − Grants and scholarships | −$7,883.00 |
| Net price | $5,286.00 |
| That is 73% below the national average net price. |
| Total cost | $13,169.00 |
| − Grants and scholarships | −$10,420.00 |
| Net price | $2,749.00 |
| That is 86% below the national average net price. |
| Tuition and fees | $8,974.00 |
| + Room, board & other expenses | $6,979.00 |
| Total cost | $15,953.00 |
| That is 17% below the national average net price. |
| Total cost | $15,953.00 |
| − Grants and scholarships | −$7,883.00 |
| Net price | $8,070.00 |
| That is 58% below the national average net price. |
| Total cost | $15,953.00 |
| − Grants and scholarships | −$10,420.00 |
| Net price | $5,533.00 |
| That is 71% below the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page and living costs. |
The tables below project a full degree at the current published cost. 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. 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 | $2,749.00 | $5,286.00 | $13,169.00 |
| Senior year | $2,749.00 | $5,286.00 | $13,169.00 |
| Total 4-year net price | $10,996.00 | $21,144.00 | $52,676.00 |
| 10-year loan interest @ 6.8% | $4,189.00 | $8,055.00 | $20,068.00 |
| Total monthly payment | $127.00 | $243.00 | $606.00 |
| Total amount paid | $15,185.00 | $29,199.00 | $72,744.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $2,749.00 | $5,286.00 | $13,169.00 |
| Senior year | $2,749.00 | $5,286.00 | $13,169.00 |
| Total 2-year net price | $5,498.00 | $10,572.00 | $26,338.00 |
| 10-year loan interest @ 6.8% | $2,095.00 | $4,028.00 | $10,034.00 |
| Total monthly payment | $63.00 | $122.00 | $303.00 |
| Total amount paid | $7,593.00 | $14,600.00 | $36,372.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,533.00 | $8,070.00 | $15,953.00 |
| Senior year | $5,533.00 | $8,070.00 | $15,953.00 |
| Total 4-year net price | $22,132.00 | $32,280.00 | $63,812.00 |
| 10-year loan interest @ 6.8% | $8,431.00 | $12,298.00 | $24,310.00 |
| Total monthly payment | $255.00 | $371.00 | $734.00 |
| Total amount paid | $30,563.00 | $44,578.00 | $88,122.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $5,533.00 | $8,070.00 | $15,953.00 |
| Senior year | $5,533.00 | $8,070.00 | $15,953.00 |
| Total 2-year net price | $11,066.00 | $16,140.00 | $31,906.00 |
| 10-year loan interest @ 6.8% | $4,216.00 | $6,149.00 | $12,155.00 |
| Total monthly payment | $127.00 | $186.00 | $367.00 |
| Total amount paid | $15,282.00 | $22,289.00 | $44,061.00 |
| See the full net-price breakdown in the net-price section. |
Net price strips out grant and scholarship aid to show what families really pay. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $8,947.00 |
| Average net price (off-campus) | $5,298.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $3,091.00 |
| $30,000 to $48,000 | $5,310.00 |
| $48,001 to $75,000 | $8,474.00 |
| $75,001 to $110,000 | $10,837.00 |
| Over $110,000 | $12,354.00 |
For a personalized estimate, try the Schenectady County Community College Net Price Calculator, or visit the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
The median graduating debt at Schenectady County Community College amounts to $6,887.00, placing the school in the Very Low (<$10k) debt-burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,380.00 |
| 25th | $2,750.00 |
| Median (50th) | $6,887.00 |
| 75th | $11,000.00 |
| 90th | $17,500.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Explore borrowing, repayment, and default in detail on the student loan debt detail.
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 | $7,005.00 |
| Middle income | $6,625.00 |
| High income | $6,494.00 |
Graduates from lower-income families carry $511.00 in extra median debt compared with high-income peers.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $6,720.00 |
| Continuing-generation students | $7,494.00 |
The Pell Grant is the main federal need-based award for undergraduates. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The gap between Pell-eligible and non-Pell median debt at Schenectady County Community College comes to $1,156.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate classification for Schenectady County Community College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 18.2% |
To put the rates in context, Stafford loans at Schenectady County Community College amount to $117,919,642.00 across 12,792 disbursements.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 29 |
| Avg GI Bill amount | $4,261.00 |
Read more about military and veteran aid on the college veterans page.
The figures above are a starting point — as you weigh Schenectady County Community College, think through the questions below:
Explore the related pages below for a deeper look at the cost picture:
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.