by our College Data Analytics TeamThis guide covers the real cost of attending Terra State 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.
If you want to dig into a particular figure, jump to any section below:
The total cost of attendance at Terra State Community College ranged from $16,522.00 and up to $19,318.00 depending on whether you qualify for in-state rates.
In-state students paid the lower published figure, while out-of-state students faced the higher one: close to $16,522.00 for in-state students versus $19,318.00 out of state.
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 | $5,748.00 |
| + Room, board & other expenses | $10,774.00 |
| Total cost | $16,522.00 |
| That is 14% below the national average net price. |
| Total cost | $16,522.00 |
| − Grants and scholarships | −$6,302.00 |
| Net price | $10,220.00 |
| That is 47% below the national average net price. |
| Total cost | $16,522.00 |
| − Grants and scholarships | −$7,362.00 |
| Net price | $9,160.00 |
| That is 52% below the national average net price. |
| Tuition and fees | $8,544.00 |
| + Room, board & other expenses | $10,774.00 |
| Total cost | $19,318.00 |
| That is roughly at the national average net price. |
| Total cost | $19,318.00 |
| − Grants and scholarships | −$6,302.00 |
| Net price | $13,016.00 |
| That is 32% below the national average net price. |
| Total cost | $19,318.00 |
| − Grants and scholarships | −$7,362.00 |
| Net price | $11,956.00 |
| That is 38% below the national average net price. | |
| Explore each piece on tuition and fees plus living costs. |
Below, a full degree is projected forward at today’s cost. These tables carry the cost across a degree for three cases: low-income w/ 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 | 0% | 0% | 0% |
| Freshman year | $9,160.00 | $10,220.00 | $16,522.00 |
| Senior year | $9,160.00 | $10,220.00 | $16,522.00 |
| Total 4-year net price | $36,640.00 | $40,880.00 | $66,088.00 |
| 10-year loan interest @ 6.8% | $13,959.00 | $15,574.00 | $25,177.00 |
| Total monthly payment | $422.00 | $470.00 | $761.00 |
| Total amount paid | $50,599.00 | $56,454.00 | $91,265.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $9,160.00 | $10,220.00 | $16,522.00 |
| Senior year | $9,160.00 | $10,220.00 | $16,522.00 |
| Total 2-year net price | $18,320.00 | $20,440.00 | $33,044.00 |
| 10-year loan interest @ 6.8% | $6,979.00 | $7,787.00 | $12,589.00 |
| Total monthly payment | $211.00 | $235.00 | $380.00 |
| Total amount paid | $25,299.00 | $28,227.00 | $45,633.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $11,956.00 | $13,016.00 | $19,318.00 |
| Senior year | $11,956.00 | $13,016.00 | $19,318.00 |
| Total 4-year net price | $47,824.00 | $52,064.00 | $77,272.00 |
| 10-year loan interest @ 6.8% | $18,219.00 | $19,835.00 | $29,438.00 |
| Total monthly payment | $550.00 | $599.00 | $889.00 |
| Total amount paid | $66,043.00 | $71,899.00 | $106,710.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $11,956.00 | $13,016.00 | $19,318.00 |
| Senior year | $11,956.00 | $13,016.00 | $19,318.00 |
| Total 2-year net price | $23,912.00 | $26,032.00 | $38,636.00 |
| 10-year loan interest @ 6.8% | $9,110.00 | $9,917.00 | $14,719.00 |
| Total monthly payment | $275.00 | $300.00 | $445.00 |
| Total amount paid | $33,022.00 | $35,949.00 | $53,355.00 |
| See the full net-price breakdown in the net price section below. |
The net price figure shows the cost after grants and scholarships are deducted. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $17,345.00 |
| Average net price (off-campus) | $11,691.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $10,371.00 |
| $30,000 to $48,000 | $10,978.00 |
| $48,001 to $75,000 | $12,493.00 |
| $75,001 to $110,000 | $13,977.00 |
| Over $110,000 | $13,962.00 |
For a personalized estimate, try the Terra State Community College Net Price Calculator, or check with the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
Typical debt at graduation from Terra State Community College works out to $8,557.00, placing the school in the Very Low (<$10k) debt-load classification.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $1,951.00 |
| 25th | $3,800.00 |
| Median (50th) | $8,557.00 |
| 75th | $18,229.00 |
| 90th | $28,096.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $9,500.00 |
| Middle income | $7,587.00 |
| High income | $6,500.00 |
Low-income graduates carry $3,000.00 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 | $9,000.00 |
| Continuing-generation students | $7,610.00 |
First-generation graduates from Terra State Community College carry $1,390.00 in extra median debt compared with continuing-generation peers.
The Pell Grant is the largest federal grant for undergraduates from low-income families. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The gap between Pell-eligible and non-Pell median debt at Terra State Community College works out to $3,318.00. This institution is flagged by federal data for Pell-debt inequity.
The Department of Education default-rate tier for Terra State Community College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 24.5% |
To give some context for these rates, Stafford loans disbursed at Terra State Community College reach $94,815,946.00 over 7,806 borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 24 |
| Avg GI Bill amount | $4,171.00 |
| DoD Tuition Assistance recipients | 3 |
| Avg DoD Tuition Assistance | $2,819.00 |
Explore GI Bill and military aid in detail on the college veterans page.
Use the figures above as a launch point, then think through Terra State Community College, a few questions are worth asking:
For a closer look at any of these topics, follow the links below:
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.