by our College Data Analytics TeamThis overview lays out the cost of attending Spoon River College, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
Use the section links below to navigate this overview:
Attendance costs at Spoon River College spanned $11,871.00 to $13,026.00 depending on your residency status.
Residency made the difference: in-state students paid the lower rate and out-of-state students the higher rate: about $11,871.00 in-state compared with $13,026.00 out-of-state.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $12,345.00 |
| Total cost | $11,871.00 |
| That is 38% below the national average net price. |
| Total cost | $11,871.00 |
| − Grants and scholarships | −$8,802.00 |
| Net price | $3,069.00 |
| That is 84% below the national average net price. |
| Total cost | $11,871.00 |
| − Grants and scholarships | −$10,302.00 |
| Net price | $1,569.00 |
| That is 92% below the national average net price. |
| Tuition and fees | $13,500.00 |
| Total cost | $13,026.00 |
| That is 32% below the national average net price. |
| Total cost | $13,026.00 |
| − Grants and scholarships | −$8,802.00 |
| Net price | $4,224.00 |
| That is 78% below the national average net price. |
| Total cost | $13,026.00 |
| − Grants and scholarships | −$10,302.00 |
| Net price | $2,724.00 |
| That is 86% below the national average net price. | |
| Go deeper on the components with the tuition & fees page plus room and board. |
Costs have trended upward in recent years by roughly 4.3% a year, so a full degree will cost more than a single year — the tables below carry that forward. Below, the cost is projected across a degree for three students at once — low-income with 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 | 4.3% | 4.3% | 4.3% |
| Freshman year | $1,637.00 | $3,201.00 | $12,382.00 |
| Senior year | $1,857.00 | $3,632.00 | $14,051.00 |
| Total 4-year net price | $6,981.00 | $13,655.00 | $52,818.00 |
| 10-year loan interest @ 6.8% | $2,660.00 | $5,202.00 | $20,122.00 |
| Total monthly payment | $80.00 | $157.00 | $608.00 |
| Total amount paid | $9,641.00 | $18,857.00 | $72,940.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $1,637.00 | $3,201.00 | $12,382.00 |
| Senior year | $1,707.00 | $3,339.00 | $12,915.00 |
| Total 2-year net price | $3,344.00 | $6,540.00 | $25,297.00 |
| 10-year loan interest @ 6.8% | $1,274.00 | $2,491.00 | $9,637.00 |
| Total monthly payment | $38.00 | $75.00 | $291.00 |
| Total amount paid | $4,617.00 | $9,031.00 | $34,934.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $2,841.00 | $4,406.00 | $13,587.00 |
| Senior year | $3,224.00 | $5,000.00 | $15,418.00 |
| Total 4-year net price | $12,120.00 | $18,794.00 | $57,957.00 |
| 10-year loan interest @ 6.8% | $4,617.00 | $7,160.00 | $22,080.00 |
| Total monthly payment | $139.00 | $216.00 | $667.00 |
| Total amount paid | $16,737.00 | $25,954.00 | $80,037.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.3% | 4.3% | 4.3% |
| Freshman year | $2,841.00 | $4,406.00 | $13,587.00 |
| Senior year | $2,964.00 | $4,595.00 | $14,171.00 |
| Total 2-year net price | $5,805.00 | $9,001.00 | $27,758.00 |
| 10-year loan interest @ 6.8% | $2,211.00 | $3,429.00 | $10,575.00 |
| Total monthly payment | $67.00 | $104.00 | $319.00 |
| Total amount paid | $8,016.00 | $12,430.00 | $38,333.00 |
For the complete net-price picture, see the Net Price section.
The net price figure shows the cost after grants and scholarships are deducted. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $3,415.00 |
| Average net price (off-campus) | $6,584.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $5,228.00 |
| $30,000 to $48,000 | $5,518.00 |
| $48,001 to $75,000 | $8,874.00 |
| $75,001 to $110,000 | $11,871.00 |
| Over $110,000 | $11,871.00 |
Estimate your specific net price using the school’s Spoon River College Net Price Calculator, or get in touch with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
The typical debt load for borrowers leaving Spoon River College amounts to $6,750.00, which federal data classifies as a Very Low (<$10k) debt-load classification.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,750.00 |
| 25th | $2,750.00 |
| Median (50th) | $6,750.00 |
| 75th | $9,500.00 |
| 90th | $16,000.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Dig deeper into debt on the student loan debt page.
Debt at graduation is far from uniform across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $7,000.00 |
| Middle income | $6,250.00 |
| High income | $5,500.00 |
Low-income graduates carry $1,500.00 in extra median debt compared with high-income peers.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $6,993.00 |
| Continuing-generation students | $5,500.00 |
First-generation graduates of Spoon River College leave with $1,493.00 in additional median debt versus continuing-generation peers.
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The median debt gap between Pell and non-Pell graduates of Spoon River College amounts to $1,500.00. Federal data flags this school for Pell-related debt inequity.
The default-rate category at Spoon River College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 13.8% |
For context on the loan portfolio, Stafford disbursements at Spoon River College reach $19,322,115.00 spread across 2,904 disbursements.
Veterans and active-duty students can access dedicated federal education aid including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 10 |
| Avg GI Bill amount | $4,003.00 |
For the full rundown of veteran and military benefits, see the veterans benefits detail.
Numbers only tell part of the story. As you weigh Spoon River College, a few questions are worth asking:
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.