by our College Data Analytics TeamThis guide covers the real cost of attending Southern Maine Community 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 Southern Maine Community College spanned $16,400.00 and $19,280.00 across residency tiers.
In-state students paid the lower published figure, while out-of-state students faced the higher one: near $16,400.00 in-state against $19,280.00 for non-residents.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $4,156.00 |
| + Room, board & other expenses | $12,244.00 |
| Total cost | $16,400.00 |
| That is 15% below the national average net price. |
| Total cost | $16,400.00 |
| − Grants and scholarships | −$7,445.00 |
| Net price | $8,955.00 |
| That is 53% below the national average net price. |
| Total cost | $16,400.00 |
| − Grants and scholarships | −$8,877.00 |
| Net price | $7,523.00 |
| That is 61% below the national average net price. |
| Tuition and fees | $7,036.00 |
| + Room, board & other expenses | $12,244.00 |
| Total cost | $19,280.00 |
| That is roughly at the national average net price. |
| Total cost | $19,280.00 |
| − Grants and scholarships | −$7,445.00 |
| Net price | $11,835.00 |
| That is 39% below the national average net price. |
| Total cost | $19,280.00 |
| − Grants and scholarships | −$8,877.00 |
| Net price | $10,403.00 |
| That is 46% below the national average net price. | |
| For the full breakdown, see tuition and fees plus room and board. |
Costs have trended upward in recent years by around 1.4% annually, so the projections below total more than one year of attendance. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 1.4% | 1.4% | 1.4% |
| Freshman year | $7,629.00 | $9,081.00 | $16,632.00 |
| Senior year | $7,957.00 | $9,472.00 | $17,346.00 |
| Total 4-year net price | $31,170.00 | $37,103.00 | $67,949.00 |
| 10-year loan interest @ 6.8% | $11,874.00 | $14,135.00 | $25,886.00 |
| Total monthly payment | $359.00 | $427.00 | $782.00 |
| Total amount paid | $43,044.00 | $51,237.00 | $93,835.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.4% | 1.4% | 1.4% |
| Freshman year | $7,629.00 | $9,081.00 | $16,632.00 |
| Senior year | $7,737.00 | $9,210.00 | $16,866.00 |
| Total 2-year net price | $15,366.00 | $18,291.00 | $33,498.00 |
| 10-year loan interest @ 6.8% | $5,854.00 | $6,968.00 | $12,762.00 |
| Total monthly payment | $177.00 | $210.00 | $385.00 |
| Total amount paid | $21,220.00 | $25,259.00 | $46,260.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.4% | 1.4% | 1.4% |
| Freshman year | $10,550.00 | $12,002.00 | $19,552.00 |
| Senior year | $11,003.00 | $12,518.00 | $20,392.00 |
| Total 4-year net price | $43,102.00 | $49,035.00 | $79,881.00 |
| 10-year loan interest @ 6.8% | $16,420.00 | $18,681.00 | $30,432.00 |
| Total monthly payment | $496.00 | $564.00 | $919.00 |
| Total amount paid | $59,522.00 | $67,716.00 | $110,313.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.4% | 1.4% | 1.4% |
| Freshman year | $10,550.00 | $12,002.00 | $19,552.00 |
| Senior year | $10,699.00 | $12,172.00 | $19,828.00 |
| Total 2-year net price | $21,249.00 | $24,174.00 | $39,381.00 |
| 10-year loan interest @ 6.8% | $8,095.00 | $9,209.00 | $15,003.00 |
| Total monthly payment | $245.00 | $278.00 | $453.00 |
| Total amount paid | $29,344.00 | $33,383.00 | $54,383.00 |
Read more in the net-price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $11,086.00 |
| Average net price (off-campus) | $11,638.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $9,441.00 |
| $30,000 to $48,000 | $10,885.00 |
| $48,001 to $75,000 | $12,767.00 |
| $75,001 to $110,000 | $15,659.00 |
| Over $110,000 | $15,949.00 |
Estimate your specific net price using the school’s Southern Maine Community College Net Price Calculator, or get in touch with the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
The median amount borrowed by graduates of Southern Maine Community College works out to $6,046.00, landing it in the Very Low (<$10k) burden tier.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $3,500.00 |
| Median (50th) | $6,046.00 |
| 75th | $12,331.00 |
| 90th | $21,527.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Read the complete debt breakdown on the student loan debt detail.
Student debt at graduation is not evenly distributed across income levels. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $7,070.00 |
| Middle income | $5,500.00 |
| High income | $5,500.00 |
Low-income graduates carry $1,570.00 more debt than their high-income peers.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $6,125.00 |
| Continuing-generation students | $5,750.00 |
First-generation borrowers from Southern Maine Community College leave with $375.00 more median debt than continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The median debt difference between Pell-eligible and non-Pell graduates of Southern Maine Community College is $1,464.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The default-rate classification at Southern Maine Community College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 15.3% |
For context on the loan portfolio, Stafford disbursements at Southern Maine Community College add up to $168,718,512.00 across 16,209 loan recipients.
Veterans and active-duty servicemembers can tap dedicated federal aid programs such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 87 |
| Avg GI Bill amount | $1,633.00 |
| DoD Tuition Assistance recipients | 78 |
| Avg DoD Tuition Assistance | $1,797.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
Numbers only tell part of the story. As you weigh Southern Maine Community College, a few questions are worth asking:
Each page below covers one part of paying for college in more detail:
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.