by our College Data Analytics TeamMost students are not billed the complete price tag of a school. Rather, they are presented a financial aid deal that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The sum total of attendance at The College of Westchester can sound overpowering, but remember that the majority of students get some type of financial assistance.
What financing options does CW offer, and what will you qualify for? Keep scrolling for more information. Read on to learn just how much financial aid will be open to you.
How much aid you qualify for depends largely on your family’s financial circumstances. Use the information below to understand how much financial assistance you may get from The College of Westchester.
Colleges use loans, grants, scholarships and work-study to minimize what students actually pay out of pocket. Some kinds of aid are clearly preferable to others, and outcomes differ across students.
For freshmen starting at The College of Westchester, 100% of the incoming full-time class was awarded financial aid roughly 98 students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 100% | $15,841 |
| Institutional grants & scholarships | 100% | $6,972 |
| Federal Pell grants | 82% | $6,096 |
| State/local grants | 68% | $4,852 |
| Federal student loans | 73% | $5,344 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. At CW, around 83% of the undergraduate population received grant aid that averaged $10,667 (across roughly 742 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 83% | $10,667 |
| Federal Pell grants | 62% | $5,264 |
| Federal student loans | 56% | $5,587 |
On-campus students receiving title-IV aid were awarded grants averaging $15,364.
Need-based aid means lower-income families typically pay far less than the sticker price suggests.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $11,119 |
| $30,001 – $75,000 | $12,592 |
| Over $75,000 | $19,168 |
The numbers above are post-aid net prices, so they already account for grants and scholarships.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $16,296 |
| Off-campus title-IV students | $11,669 |
For a personalized estimate based on your family’s financial situation, use CW’s official net price calculator: success.cw.edu/forms/npcalc/npcalc.html.
The middle student in the debt distribution at CW owes $16,875 in federal student debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $16,875 |
| Median federal debt (graduates only) | $26,967 |
| Typical 10-year monthly payment (graduates) | $285.9/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
Looking only at the median can be misleading because it hides the spread. Use the percentiles below to see the debt range at CW.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,000 |
| 25th percentile | $7,125 |
| 75th percentile | $27,335 |
| 90th percentile (highest-debt students) | $38,737 |
How much a student borrows depends heavily on family income, first-gen status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,890 |
| Middle income | $17,327 |
| High income | $15,000 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,548 |
| Continuing-generation students | $20,781 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,625 |
| Independent students | $19,677 |
Federal data publishes pre-calculated indicators that summarize debt outcomes. CW.
The Stafford program is the federal direct-loan vehicle most undergraduates use. These figures summarize annual Stafford program activity at CW:
| Metric | Value |
|---|---|
| Stafford loan recipients | 8644 |
| Total Stafford loan amount | $150,312,783 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 11 |
| Total GI Bill amount | $185,662 |
| Average GI Bill amount per recipient | $16,878 |
References
More about our data sources and methodologies.