2022/23 Academic Year
College applicants and their families face not just a big life choice and the challenge of being accepted to schools, they face a complicated maze of information on how much their college career will cost. This report will allow you to know the true costs of colleges, so that you can finance a college degree and set up a successful post-graduate life.
- Apply to colleges which you know you can afford
- Plan financially and save and borrow the right amount to fund costs across all years of the program
- Once accepted, better understand the financial context of your financial aid offer and the scope for any negotiations with the college on their proposed cost
This report also provides some of the basics on how the prices you will pay for colleges are set as well as objective cost data about popular schools for students residing in your state. These numbers are based on reported figures by the colleges themselves with projections to account for future price changes.
The information will not indicate exactly how much each student will pay your college. But it will give a broadly accurate and readily understandable general idea, allowing you to compare colleges in financial terms and to plan for a successful college journey.
How college costs work
- Advertised college tuition prices are often far higher than what the typical student pays. Many colleges offer significant discounts to this headline tuition depending on an applicant’s
- family financial income & assets
- demographics
- academic record
- and decisions made by the college’s admissions or enrollment offices
- Comparing college costs on an apples-to-apples basis is difficult and time consuming. College net price calculators are often outdated and don’t reflect true costs.
- When an applicant is accepted to a college, they will receive a financial aid award letter highlighting what their costs will be if they enroll. These awards all differ by student.
- Cost information provided by colleges and other sources often deduct loans from the cost, unlike most other consumer purchases you make
- Most state colleges and universities have essentially two pricing processes, one for in-state and one for out-of-state students.
- Applying early increases your chances of getting into a given college but also increases your cost by lowering, often significantly, the amount of financial aid you will be offered.
Contents
- Average costs for popular in- and out-of-state schools
- Community Colleges
- College pricing and the Expected Family Contribution
- Ways to reduce college costs
- Scenarios showing projected costs by college for 7 representative families with different incomes and financial profiles
- Scenario: Students with families with an average of $15,000 in annual income (<$10,000 in financial assets and home equity of <$40,000)
- Scenario: Students with families with an average of $40,000 in annual income ($10,000 in financial assets and home equity of approximately $50,000)
- Scenario: Students with families with an average of $60,000 in annual income ($20,000 in financial assets and home equity of approximately $90,000)
- Scenario: Students with families with an average of $90,000 in annual income ($200,000 in financial assets and home equity of approximately $120,000)
- Scenario: Students with families with an average of $150,000 in annual income ($250,000 in financial assets and home equity of approximately $150,000)
- Scenario: Students with families with an average of $200,000 in annual income ($500,000 in financial assets and home equity of approximately $200,000)
- Scenario: Students with families with an average of $300,000 in annual income ($950,000 in financial assets and home equity of approximately $350,000)
- Online or Distance Schools
- Glossary
In-state colleges, by average cost
The average net cost found here represents a projected average amount entering freshmen will pay for tuition, room & board, fees, books & other course materials. Net costs are not reduced by loans, which represent an obligation and are not a price reduction. The analogy here is buying a house or condo, where the cost is not reduced because you take out a mortgage to finance the purchase.
College | City | Full-time students | Admissions % | SAT ACT blended 25th percentile | % students paying discounted tuition | Average annual net cost |
---|---|---|---|---|---|---|
American International | Springfield | 1,272 | 65 | 100 | 25,500 | |
Amherst | Amherst | 1,839 | 11 | 1310 | 62 | 40,000 |
Assumption | Worcester | 1,946 | 81 | 100 | 31,500 | |
Babson | Wellesley | 2,386 | 26 | 1270 | 43 | 54,500 |
Bay Path | Longmeadow | 1,165 | 72 | 960 | 95 | 27,500 |
Becker | Worcester | 1,469 | 70 | 950 | 100 | 38,500 |
Bentley | Waltham | 4,177 | 47 | 1230 | 75 | 51,000 |
Berklee School of Music | Boston | 5,041 | 51 | 45 | 56,500 | |
Boston College | Chestnut Hill | 9,666 | 27 | 1340 | 44 | 57,500 |
Boston University | Boston | 16,978 | 19 | 1330 | 49 | 54,500 |
Brandeis | Waltham | 3,673 | 30 | 1340 | 65 | 53,500 |
Bridgewater State | Bridgewater | 7,681 | 88 | 930 | 40 | 24,000 |
Bristol CC | Fall River | 2,971 | 100 | 1 | 8,500 | |
Bunker Hill CC | Boston | 4,053 | 100 | 26 | 11,000 | |
Clark | Worcester | 2,281 | 53 | 93 | 34,500 | |
Curry | Milton | 1,969 | 87 | 950 | 100 | 32,000 |
Dean | Franklin | 1,184 | 69 | 810 | 95 | 37,000 |
Emerson | Boston | 3,827 | 33 | 1210 | 75 | 54,000 |
Emmanuel | Boston | 1,953 | 78 | 980 | 100 | 32,000 |
Endicott | Beverly | 2,809 | 69 | 93 | 39,000 | |
Fitchburg State | Fitchburg | 3,164 | 88 | 990 | 59 | 21,000 |
Framingham State | Framingham | 3,376 | 74 | 930 | 51 | 24,500 |
Gordon | Wenham | 1,440 | 74 | 1060 | 96 | 29,500 |
Hampshire | Amherst | 745 | 2 | 99 | 37,500 | |
Harvard | Cambridge | 7,148 | 5 | 1440 | 57 | 43,000 |
College of the Holy Cross | Worcester | 2,931 | 34 | 1260 | 65 | 49,000 |
Holyoke CC | Holyoke | 1,998 | 100 | 31 | 11,500 | |
Lasell | Newton | 1,604 | 84 | 890 | 97 | 31,500 |
Lesley | Cambridge | 1,599 | 75 | 1000 | 98 | 39,500 |
UMass-Lowell | Lowell | 10,862 | 73 | 1150 | 77 | 24,500 |
UMass | Amherst | 22,491 | 64 | 1200 | 82 | 27,500 |
UMass-Boston | Boston | 9,995 | 76 | 75 | 20,500 | |
Massachusetts Bay CC | Wellesley Hills | 1,451 | 100 | 3 | 14,000 | |
MCPHS University | Boston | 3,843 | 85 | 1010 | 99 | 43,000 |
Mass College of Art and Design | Boston | 1,682 | 58 | 90 | 25,500 | |
MIT | Cambridge | 4,501 | 7 | 1500 | 60 | 41,000 |
Massachusetts Maritime Academy | Buzzards Bay | 1,616 | 91 | 950 | 43 | 21,500 |
Massasoit CC | Brockton | 2,495 | 100 | 21 | 11,500 | |
Merrimack | North Andover | 3,885 | 82 | 99 | 39,000 | |
Middlesex CC | Bedford | 2,446 | 100 | 24 | 15,500 | |
Mount Holyoke | South Hadley | 2,157 | 38 | 73 | 44,000 | |
Mount Wachusett CC | Gardner | 1,218 | 100 | 24 | 11,500 | |
Nichols | Dudley | 1,217 | 80 | 100 | 30,000 | |
Massachusetts Coll of Liberal Arts | North Adams | 1,145 | 82 | 870 | 88 | 19,000 |
North Shore CC | Danvers | 1,915 | 100 | 32 | 15,500 | |
Northeastern | Boston | 14,156 | 18 | 1390 | 75 | 49,500 |
Northern Essex CC | Haverhill | 1,595 | 100 | 8 | 14,000 | |
Our Lady of the Elms | Chicopee | 997 | 75 | 970 | 100 | 28,500 |
Quincy | Quincy | 1,209 | 100 | 0 | 16,000 | |
Quinsigamond CC | Worcester | 2,453 | 100 | 29 | 12,500 | |
Regis | Weston | 1,124 | 79 | 100 | 35,000 | |
Salem State | Salem | 4,997 | 86 | 970 | 70 | 22,500 |
Simmons | Boston | 1,607 | 73 | 1110 | 100 | 33,500 |
Smith | Northampton | 2,519 | 32 | 67 | 43,500 | |
Springfield College | Springfield | 2,158 | 68 | 1020 | 99 | 31,000 |
Springfield Tech CC | Springfield | 2,177 | 100 | 38 | 13,500 | |
UMass-Dartmouth | North Dartmouth | 5,465 | 75 | 990 | 93 | 23,000 |
Stonehill | Easton | 2,439 | 68 | 100 | 39,000 | |
Suffolk | Boston | 4,665 | 84 | 880 | 94 | 39,500 |
Tufts | Medford | 5,742 | 15 | 780 | 37 | 56,500 |
Wellesley | Wellesley | 2,399 | 22 | 1360 | 57 | 43,500 |
Wentworth Tech | Boston | 3,904 | 69 | 1070 | 100 | 40,000 |
Western New England | Springfield | 2,580 | 85 | 97 | 34,000 | |
Westfield State | Westfield | 4,250 | 87 | 930 | 43 | 23,500 |
Wheaton | Norton | 1,764 | 74 | 99 | 30,000 | |
Williams | Williamstown | 2,043 | 13 | 1410 | 51 | 48,500 |
Worcester Polytechnic Institute | Worcester | 4,642 | 49 | 99 | 47,000 | |
Worcester State | Worcester | 4,078 | 66 | 50 | 24,500 |
Notes on figures
- Net cost is a consumer-centric metric comparable to what cost means in business transactions outside of higher education. It represents a student’s cost of attending college including: tuition, room & board, fees and estimates of supplies less institutional aid of all kinds (including need-based and merit), and less federal and state/local aid. Loans and other repayable amounts are excluded and do not reduce the cost. Room and board uses on-campus costs; for students attending nonresidential institutions, the college’s own estimate of such off-campus costs is used. Total average net cost for all students allocates in- and out-of-state costs in proportion to attendance. Net cost differs from the Net Price figure self-reported by colleges to the NCES because it is comprehensive and covers all students, including the approximately 40% not covered by Net Price calculations.
- CC = Community College
- Number of undergraduates represent all enrolled full-time students as of 2018/19.
- % of Applicants admitted from 2019/20.
- The SAT score is intended to give a very rough idea of the academic level of entering students. This number shows the 25thpercentile of enrolled students out of 100% and adds together the verbal and math SAT and ACT scores using the ACT/SAT concordance formula developed by ACT and the College Board. The maximum possible score is 1600.
- The “% of students receiving discounts” is the 2018/19 figure showing what % of enrolled students are receiving price discounts from their colleges. This % does not include aid from the government, such as Pell grants, or other federal or state aid. It also does not include students borrowing to pay for college.
- These comments all apply to tables later in this report except where noted.
Popular out-of-state colleges, by average cost
College | City | State | Full-time students | Admissions % | SAT ACT blended 25th percentile | % students paying discounted tuition | Avg. annual net cost |
---|---|---|---|---|---|---|---|
Bridgeport | Bridgeport | CT | 2,132 | 55 | 860 | 99 | 26,000 |
Central Connecticut | New Britain | CT | 7,253 | 66 | 970 | 70 | 35,000 |
UConn | Storrs | CT | 18,229 | 49 | 1210 | 61 | 35,500 |
Eastern Connecticut | Willimantic | CT | 4,063 | 64 | 81 | 36,500 | |
Fairfield | Fairfield | CT | 4,160 | 57 | 940 | 94 | 43,000 |
Hartford | West Hartford | CT | 4,247 | 76 | 890 | 98 | 32,000 |
New Haven Univ | West Haven | CT | 4,625 | 83 | 1030 | 99 | 37,000 |
Post | Waterbury | CT | 2,293 | 97 | 45 | 17,500 | |
Quinnipiac | Hamden | CT | 6,543 | 70 | 99 | 44,500 | |
Sacred Heart | Fairfield | CT | 5,348 | 64 | 98 | 44,500 | |
Southern Connecticut | New Haven | CT | 6,801 | 69 | 910 | 24 | 38,500 |
Trinity | Hartford | CT | 2,128 | 33 | 1280 | 51 | 52,500 |
Wesleyan | Middletown | CT | 2,937 | 16 | 41 | 51,500 | |
Western Connecticut | Danbury | CT | 4,074 | 76 | 61 | 39,000 | |
Yale | New Haven | CT | 6,088 | 6 | 1450 | 56 | 44,500 |
George Washington | Washington | DC | 11,102 | 41 | 1290 | 75 | 50,500 |
Univ of Tampa | Tampa | FL | 8,441 | 45 | 1100 | 91 | 28,500 |
Bates | Lewiston | ME | 1,820 | 12 | 40 | 54,500 | |
Bowdoin | Brunswick | ME | 1,834 | 9 | 51 | 47,500 | |
Colby | Waterville | ME | 2,003 | 10 | 1370 | 43 | 51,500 |
Maine | Orono | ME | 8,060 | 90 | 1050 | 99 | 34,000 |
University of New England | Biddeford | ME | 2,425 | 84 | 1040 | 100 | 37,500 |
Southern Maine CC | South Portland | ME | 2,347 | 100 | 33 | 16,000 | |
Southern Maine | Portland | ME | 4,062 | 81 | 950 | 90 | 24,500 |
Dartmouth | Hanover | NH | 4,401 | 8 | 1410 | 47 | 53,500 |
Southern New Hampshire U | Manchester | NH | 27,372 | 88 | 33 | 25,000 | |
New Hampshire | Durham | NH | 11,960 | 84 | 1070 | 85 | 38,500 |
Keene State | Keene | NH | 3,279 | 88 | 95 | 29,500 | |
Plymouth State | Plymouth | NH | 3,659 | 85 | 98 | 29,000 | |
St Anselm | Manchester | NH | 2,014 | 75 | 1140 | 99 | 34,500 |
Montclair State | Montclair | NJ | 14,859 | 76 | 990 | 38 | 37,000 |
Rutgers | New Brunswick | NJ | 34,285 | 61 | 1210 | 40 | 31,000 |
Columbia | New York | NY | 7,701 | 5 | 1430 | 52 | 48,500 |
Cornell | Ithaca | NY | 15,038 | 11 | 1390 | 46 | 54,000 |
CUNY Hunter | New York | NY | 12,991 | 35 | 1170 | 17 | 24,000 |
Fordham | Bronx | NY | 9,229 | 46 | 1250 | 90 | 47,500 |
Ithaca | Ithaca | NY | 5,739 | 73 | 95 | 37,000 | |
Marist | Poughkeepsie | NY | 5,199 | 49 | 89 | 42,500 | |
NYU | New York | NY | 25,872 | 16 | 940 | 46 | 60,000 |
Pace | New York | NY | 7,837 | 79 | 830 | 97 | 37,000 |
Rensselaer Polytechnic | Troy | NY | 6,218 | 47 | 890 | 84 | 47,500 |
Rochester Inst of Tech | Rochester | NY | 12,254 | 71 | 1220 | 94 | 36,500 |
Rochester U | Rochester | NY | 6,410 | 30 | 1310 | 77 | 42,000 |
St John's | Queens | NY | 11,525 | 72 | 1090 | 100 | 33,500 |
SUNY at Albany | Albany | NY | 12,568 | 54 | 940 | 65 | 33,500 |
Binghamton | Binghamton | NY | 13,845 | 41 | 920 | 51 | 33,000 |
Buffalo | Buffalo | NY | 20,401 | 61 | 1160 | 69 | 25,500 |
Stony Brook | Stony Brook | NY | 16,697 | 44 | 1230 | 69 | 32,000 |
Syracuse | Syracuse | NY | 14,727 | 44 | 1190 | 79 | 52,500 |
Penn State | University Park | PA | 66,409 | 54 | 1080 | 43 | 49,000 |
Temple | Philadelphia | PA | 26,247 | 60 | 79 | 34,000 | |
Brown | Providence | RI | 6,826 | 7 | 1430 | 43 | 55,000 |
Bryant | Smithfield | RI | 3,349 | 71 | 96 | 43,000 | |
Johnson & Wales-Providence | Providence | RI | 5,767 | 93 | 99 | 30,500 | |
New England Inst of Techn | Warwick | RI | 2,031 | 63 | 88 | 40,000 | |
Providence | Providence | RI | 3,891 | 47 | 1220 | 66 | 48,500 |
Rhode Island College | Providence | RI | 4,942 | 78 | 850 | 54 | 38,500 |
Rhode Island CC | Warwick | RI | 6,088 | 100 | 47 | 21,500 | |
Rhode Island | Kingston | RI | 12,596 | 75 | 1060 | 86 | 38,500 |
Rhode Isl School of Design | Providence | RI | 2,009 | 26 | 1230 | 38 | 59,500 |
Roger Williams | Bristol | RI | 4,022 | 85 | 98 | 39,500 | |
Salve Regina | Newport | RI | 2,091 | 74 | 99 | 37,000 | |
Champlain | Burlington | VT | 2,447 | 85 | 1120 | 99 | 35,500 |
Middlebury | Middlebury | VT | 2,556 | 15 | 780 | 50 | 49,500 |
Norwich | Northfield | VT | 2,643 | 75 | 100 | 24,500 | |
Vermont | Burlington | VT | 10,501 | 67 | 1190 | 93 | 44,000 |
Community Colleges
Community colleges are presented differently from 4-year colleges because of how they manage the prices they charge, such as offering discounted tuition to in-county residents, sometimes providing on-campus housing and sometimes not, and educating a larger proportion of part-time and distance (online) students. The “In-state Tuition, Fees and Supplies” number presented above, dating from 2018/19, is intended to remove these factors and make the prices easier to compare.
College | City | Full-time students | Part-time students | In-state tuition | Average annual net cost | BA degree offered | Residential dorms available | Room & board cost (in-state) |
---|---|---|---|---|---|---|---|---|
Bristol CC | Fall River | 2,971 | 3,880 | 5,018 | 8,500 | - | ||
Bunker Hill CC | Boston | 4,053 | 7,716 | 4,704 | 11,000 | - | ||
Holyoke CC | Holyoke | 1,998 | 2,851 | 5,114 | 11,500 | - | ||
Massachusetts Bay CC | Wellesley Hills | 1,451 | 2,597 | 5,232 | 14,000 | - | ||
Massasoit CC | Brockton | 2,495 | 4,142 | 4,992 | 11,500 | - | ||
Middlesex CC | Bedford | 2,446 | 5,123 | 6,098 | 15,500 | - | ||
Mount Wachusett CC | Gardner | 1,218 | 2,456 | 5,668 | 11,500 | - | ||
North Shore CC | Danvers | 1,915 | 3,473 | 5,256 | 15,500 | - | ||
Northern Essex CC | Haverhill | 1,595 | 3,337 | 5,280 | 14,000 | - | ||
Quincy | Quincy | 1,209 | 2,155 | 6,686 | 16,000 | - | ||
Quinsigamond CC | Worcester | 2,453 | 4,838 | 5,658 | 12,500 | - | ||
Springfield Tech CC | Springfield | 2,177 | 2,889 | 5,328 | 13,500 | - |
Notes on figures
- Number of undergraduates represent all enrolled full-time and part-time students as of 2018/19.
- “In-state Tuition, Fees and Supplies” is a figure provided by the colleges covering full-time tuition, supplies and fees but NOT room & board. This is a cleaner way to compare community college pricing for several reasons. The proportion of tuition paid by Pell Grants depends on the Expected Family Contribution (EFC) and is determined by the federal government, not any decision by the college. Some but not all community colleges offer dormitories. Finally, the number of part-time students and the discounted tuition often granted to in-county students makes the comparison of net prices even more complex than for traditional 4-year colleges.
- The Average Net Cost figures used in this report extrapolate from data provided by the colleges themselves to the federal government and the public, projected to the current year. It represents full-time tuition and includes room & board, supplies, fees less aid and grants from the colleges and the government. It standardizes calculations across colleges and is comparable to the Net costs used for 4-year colleges. Individual student costs will vary based on circumstances, so this figure only provides guidance. This figure does have the benefit of showing you how much a typical community college student will spend.
- The cost of on-campus room & board dates from 2019/20 and is only presented for colleges providing residential housing. The schools’ estimates of off-campus housing costs are not included.
College pricing and the Expected Family Contribution
To receive any sort of aids and loans, US colleges require filing of the FAFSA (Free Application for Federal Student Aid), which calculates the Expected Family Contribution (the “EFC”). Discussions of college costs often make reference to the EFC, which is a federal statutory calculation that governs financing student college costs. It is NOT the same as the pricing, which is determined by supply and demand and the college’s own cost structure. To repeat, the cost of college is how much you will pay the college; the EFC determines your eligibility for loans or certain grants. Pricing; financing – two different things.
The charts below illustrate this distinction for a college with a “Cost of attendance” of $60,000. (The cost of attendance includes the full listed as-advertised tuition, room & board, estimated costs for materials and other fees.)
The College Board Big Future site offers a handy way to calculate this in advance of completing all the paperwork:
Note that the EFC will be renamed the Student Aid Index beginning in the 2023/24 academic year. The FAFSA filing after this change is expected to be much simpler and quicker to complete, but the fundamental formula is unchanged.
Federal Student Loans
Student loans are a complex topic outside of the scope of this report.
2021/2022 interest rates for the federal student loan program are:
- Direct (unsubsidized & subsidized): 3.73%.
- Direct PLUS is set at 6.28%.
- Private loan interest rate are set by the market, partly depend on the parents’ credit score and come in a variety of types.
Federal student loan interest rates are fixed and do not change after the initial borrowing. Because of the topic’s complexity, we recommend you go straight to the source and read the Department of Education site for more information:
A smaller group of mostly selective colleges also require submission of the CSS Profile in addition to FAFSA. The CSS Profile is a more detailed report on the financial profile of a student and their family. It is used in different ways by these colleges to assess how much students and their families should pay. One key difference between the FAFSA and CSS Profile schools is that the equity value of the home often (but not always) affects the level of financial aid offered.
The FAFSA and CSS Profile use prior year income for the initial FAFSA filing, so a 2021 senior’s FAFSA would depend on their 2019 earnings.
Decision and Early Action
Giving students discounts and breaks on full tuition is common business practice in higher education. Information about discounts granted to Early Decision and Early Action candidates is not compiled but a large amount of anecdotal evidence points to discounts for accepted students in Early Decision being much less generous than for the regular application period. So a student’s decision to apply Early Decision conveys to the college both their strong interest in attending and their willingness and ability to pay full costs. Applying through Early Action conveys strong interest but leaves latitude for negotiating financial aid. Because each student’s situation will be different, applicants are advised to think of the application process in part as a negotiation and to use the different application options as signals to the college.
Ways to save on college costs
There are a number of options beyond college choices to limit spending on college. The right choice depends on the student’s needs. They include:
- Studying for a year or two at a community college, institutions which are generally cheaper than 4-year programs, and then transferring into a Bachelor’s program.
- Completing credits at high school or via distance learning outside of actual college attendance
- Making sure to complete the bachelor’s program on time
- Applying for and obtaining scholarships
The first two will require acceptance of credits by the 4-year Bachelor’s program in which you ultimately enroll. While there are certain standards that apply in these scenarios, the ultimate decision will depend on the college accepting the student.
Fit
One important way to limit spending is to make sure the college you enroll in is a “fit.” When recruiting students, colleges are very focused on fit – on making sure that a college matches up well with a student’s personal and professional objectives. This is because fit helps both the student and the college. Lack of fit directly contributes to students dropping out or transferring to another school, both of which increase the costs of obtaining a degree. So proper matching of applications with schools is an important factor in college costs.
How to find scholarships and grants
The College Board’s Big Future and Sallie Mae’s Scholarship Search site are both excellent places to find information on scholarships:
Scholarships.com and Fastweb also both provide free searches of many scholarships:
Finally, two separate but similarly named sites, Collegescholarships.com and Collegescholarships.org, valuably provide lists of scholarships limited to residents of specific states, counties and municipalities.

Financial Scenarios
While the average costs above are an informative first cut, the impact of their family’s individual financial position on the amount a college charges a specific student is significant. The following section lays out a set of scenarios showing estimated costs for students with different family financial profiles. These are estimates and are intended as a baseline guide to help you decide on a short list of colleges to which to apply and to navigate the application and acceptance process with objective financial information.
Factors that increase or decrease the amount colleges charge a student:
- Family income
- Family financial assets
- Amount of equity in the family home (only selected colleges)
- Academic performance in high school, board scores
- Student’s demographic profile (including whether the parents have college degrees)
Other factors, such as whether other students in the household are also enrolled in college, marital status (married or not), and student income and savings play a generally smaller role.
Notes on figures
- For categories identical to those used to the in- and out-of-state average costs tables above, earlier comments apply.
- The colleges are ranked highest to lowest according to projected 2021/22 net cost.
- The “Full cost of a 4-year degree, Projected” represents an estimate of the total net costs for a class of ’25 student completing their Bachelor’s degree in 4 years.
- Scenarios 5, 6 and 7 assume a dual-earner married household with two children, the prospective college student who is a public high school senior and a younger sibling, with financial and home equity assets conforming to US government data on income and assets. The couple does not own their own business or investment real estate and is not the beneficiary of a trust. The prospective college student has no children, earned a small amount last year and is a dependent for IRS purposes. Once enrolled in college, the student would be enrolled full-time and live on campus.
- Disclaimer: These financial estimates represent informational projections that will change over time. They do not represents promises or commitments by CTAS or the colleges themselves. Final net cost numbers will differ from these estimates for many reasons.

Scenario
Students with families with an average of $15,000 in annual income. Families in this income range on average have <$10,000 in financial assets and home equity of <$40,000 (Federal Reserve Survey of Consumer Finances).
College City State Full-time students Admissions % % students paying discounted tuition Avg. annual net cost Total cost of degree
Bridgeport
Bridgeport
CT
2,132
55
99
17,500
69,500
Central Connecticut
New Britain
CT
7,253
66
70
25,000
102,000
UConn
Storrs
CT
18,229
49
61
25,000
100,500
Eastern Connecticut
Willimantic
CT
4,063
64
81
29,500
120,000
Fairfield
Fairfield
CT
4,160
57
94
29,500
119,000
Hartford
West Hartford
CT
4,247
76
98
26,000
105,500
New Haven Univ
West Haven
CT
4,625
83
99
30,500
123,500
Post
Waterbury
CT
2,293
97
45
11,000
45,500
Quinnipiac
Hamden
CT
6,543
70
99
36,000
147,500
Sacred Heart
Fairfield
CT
5,348
64
98
35,500
145,500
Southern Connecticut
New Haven
CT
6,801
69
24
32,500
132,500
Trinity
Hartford
CT
2,128
33
51
0
0
Wesleyan
Middletown
CT
2,937
16
41
4,500
19,000
Western Connecticut
Danbury
CT
4,074
76
61
33,000
134,000
Yale
New Haven
CT
6,088
6
56
2,000
9,000
George Washington
Washington
DC
11,102
41
75
17,500
72,000
Univ of Tampa
Tampa
FL
8,441
45
91
27,500
111,500
Bates
Lewiston
ME
1,820
12
40
6,500
27,000
Bowdoin
Brunswick
ME
1,834
9
51
6,500
25,500
Colby
Waterville
ME
2,003
10
43
2,000
7,500
Maine
Orono
ME
8,060
90
99
28,000
115,000
University of New England
Biddeford
ME
2,425
84
100
31,500
129,000
Southern Maine CC
South Portland
ME
2,347
100
33
12,000
24,000
Southern Maine
Portland
ME
4,062
81
90
17,000
69,000
American International
Springfield
MA
1,272
65
100
21,500
89,000
Amherst
Amherst
MA
1,839
11
62
6,500
28,000
Assumption
Worcester
MA
1,946
81
100
24,000
97,500
Babson
Wellesley
MA
2,386
26
43
16,500
69,000
Bay Path
Longmeadow
MA
1,165
72
95
19,500
82,000
Becker
Worcester
MA
1,469
70
100
31,500
132,000
Bentley
Waltham
MA
4,177
47
75
24,500
102,000
Berklee School of Music
Boston
MA
5,041
51
45
44,000
180,000
Boston College
Chestnut Hill
MA
9,666
27
44
4,500
19,500
Boston University
Boston
MA
16,978
19
49
14,500
59,500
Brandeis
Waltham
MA
3,673
30
65
16,500
67,500
Bridgewater State
Bridgewater
MA
7,681
88
40
14,000
57,500
Bristol CC
Fall River
MA
2,971
100
1
6,000
12,000
Bunker Hill CC
Boston
MA
4,053
100
26
7,500
15,500
Clark
Worcester
MA
2,281
53
93
22,000
90,500
Curry
Milton
MA
1,969
87
100
25,000
100,000
Dean
Franklin
MA
1,184
69
95
29,500
121,500
Emerson
Boston
MA
3,827
33
75
40,500
167,500
Emmanuel
Boston
MA
1,953
78
100
26,000
105,500
Endicott
Beverly
MA
2,809
69
93
28,000
114,500
Fitchburg State
Fitchburg
MA
3,164
88
59
13,500
56,000
Framingham State
Framingham
MA
3,376
74
51
16,500
68,500
Gordon
Wenham
MA
1,440
74
96
23,000
94,000
Hampshire
Amherst
MA
745
2
99
21,000
87,000
Harvard
Cambridge
MA
7,148
5
57
1,000
4,500
College of the Holy Cross
Worcester
MA
2,931
34
65
15,500
64,500
Holyoke CC
Holyoke
MA
1,998
100
31
7,000
14,000
Lasell
Newton
MA
1,604
84
97
24,500
99,500
Lesley
Cambridge
MA
1,599
75
98
31,000
128,000
UMass-Lowell
Lowell
MA
10,862
73
77
12,500
51,500
UMass
Amherst
MA
22,491
64
82
14,000
59,000
UMass-Boston
Boston
MA
9,995
76
75
11,500
48,000
Massachusetts Bay CC
Wellesley Hills
MA
1,451
100
3
10,500
22,000
MCPHS University
Boston
MA
3,843
85
99
36,000
148,000
Mass College of Art and Design
Boston
MA
1,682
58
90
18,500
76,500
MIT
Cambridge
MA
4,501
7
60
2,500
11,000
Massachusetts Maritime Academy
Buzzards Bay
MA
1,616
91
43
5,000
21,000
Massasoit CC
Brockton
MA
2,495
100
21
7,500
15,000
Merrimack
North Andover
MA
3,885
82
99
29,000
119,000
Middlesex CC
Bedford
MA
2,446
100
24
4,000
8,000
Mount Holyoke
South Hadley
MA
2,157
38
73
14,000
57,500
Mount Wachusett CC
Gardner
MA
1,218
100
24
7,000
14,500
Nichols
Dudley
MA
1,217
80
100
25,500
103,000
Massachusetts Coll of Liberal Arts
North Adams
MA
1,145
82
88
14,000
59,000
North Shore CC
Danvers
MA
1,915
100
32
7,500
15,000
Northeastern
Boston
MA
14,156
18
75
12,500
51,500
Northern Essex CC
Haverhill
MA
1,595
100
8
7,500
15,500
Our Lady of the Elms
Chicopee
MA
997
75
100
19,500
80,000
Quincy
Quincy
MA
1,209
100
0
14,500
29,000
Quinsigamond CC
Worcester
MA
2,453
100
29
6,000
12,500
Regis
Weston
MA
1,124
79
100
27,000
111,500
Salem State
Salem
MA
4,997
86
70
15,500
64,000
Simmons
Boston
MA
1,607
73
100
24,500
100,500
Smith
Northampton
MA
2,519
32
67
8,000
32,000
Springfield College
Springfield
MA
2,158
68
99
21,000
85,500
Springfield Tech CC
Springfield
MA
2,177
100
38
7,500
15,000
UMass-Dartmouth
North Dartmouth
MA
5,465
75
93
15,500
63,500
Stonehill
Easton
MA
2,439
68
100
25,000
104,000
Suffolk
Boston
MA
4,665
84
94
28,000
115,500
Tufts
Medford
MA
5,742
15
37
5,000
21,000
Wellesley
Wellesley
MA
2,399
22
57
4,500
18,500
Wentworth Tech
Boston
MA
3,904
69
100
30,500
125,000
Western New England
Springfield
MA
2,580
85
97
26,000
105,500
Westfield State
Westfield
MA
4,250
87
43
14,000
57,000
Wheaton
Norton
MA
1,764
74
99
20,000
81,000
Williams
Williamstown
MA
2,043
13
51
3,500
14,500
Worcester Polytechnic Institute
Worcester
MA
4,642
49
99
32,500
135,500
Worcester State
Worcester
MA
4,078
66
50
17,000
70,500
Dartmouth
Hanover
NH
4,401
8
47
5,000
20,000
Southern New Hampshire U
Manchester
NH
27,372
88
33
34,000
135,500
New Hampshire
Durham
NH
11,960
84
85
28,500
117,000
Keene State
Keene
NH
3,279
88
95
22,500
90,500
Plymouth State
Plymouth
NH
3,659
85
98
23,500
96,500
St Anselm
Manchester
NH
2,014
75
99
17,500
71,000
Montclair State
Montclair
NJ
14,859
76
38
25,000
101,500
Rutgers
New Brunswick
NJ
34,285
61
40
24,500
99,500
Columbia
New York
NY
7,701
5
52
4,000
16,500
Cornell
Ithaca
NY
15,038
11
46
2,000
7,500
CUNY Hunter
New York
NY
12,991
35
17
9,000
36,500
Fordham
Bronx
NY
9,229
46
90
34,000
139,000
Ithaca
Ithaca
NY
5,739
73
95
20,000
82,000
Marist
Poughkeepsie
NY
5,199
49
89
25,500
105,000
NYU
New York
NY
25,872
16
46
28,500
116,500
Pace
New York
NY
7,837
79
97
25,500
102,500
Rensselaer Polytechnic
Troy
NY
6,218
47
84
23,500
95,500
Rochester Inst of Tech
Rochester
NY
12,254
71
94
27,000
111,000
Rochester U
Rochester
NY
6,410
30
77
16,500
66,500
St John's
Queens
NY
11,525
72
100
23,500
95,000
SUNY at Albany
Albany
NY
12,568
54
65
31,000
126,000
Binghamton
Binghamton
NY
13,845
41
51
18,500
75,500
Buffalo
Buffalo
NY
20,401
61
69
22,500
90,500
Stony Brook
Stony Brook
NY
16,697
44
69
24,000
98,500
Syracuse
Syracuse
NY
14,727
44
79
20,500
84,500
Penn State
University Park
PA
66,409
54
43
39,500
159,500
Temple
Philadelphia
PA
26,247
60
79
28,000
115,000
Brown
Providence
RI
6,826
7
43
3,500
14,500
Bryant
Smithfield
RI
3,349
71
96
34,500
141,500
Johnson & Wales-Providence
Providence
RI
5,767
93
99
24,000
97,000
New England Inst of Techn
Warwick
RI
2,031
63
88
31,000
126,500
Providence
Providence
RI
3,891
47
66
20,500
84,500
Rhode Island College
Providence
RI
4,942
78
54
31,500
129,000
Rhode Island CC
Warwick
RI
6,088
100
47
13,500
27,500
Rhode Island
Kingston
RI
12,596
75
86
32,500
132,500
Rhode Isl School of Design
Providence
RI
2,009
26
38
31,500
129,500
Roger Williams
Bristol
RI
4,022
85
98
30,500
123,500
Salve Regina
Newport
RI
2,091
74
99
27,500
112,000
Champlain
Burlington
VT
2,447
85
99
26,000
105,500
Middlebury
Middlebury
VT
2,556
15
50
6,000
25,000
Norwich
Northfield
VT
2,643
75
100
19,000
76,500
Vermont
Burlington
VT
10,501
67
93
37,500
153,000
2022-23 projected average net cost for selected colleges including both in- and out-of-state schools.
Scenario
Students with families with an average of $40,000 in annual income. Families in this income range on average have approximately $10,000 in financial assets and home equity of approximately $50,000 (Federal Reserve Survey of Consumer Finances).
College City State Full-time students Admissions % % students paying discounted tuition Avg. annual net cost Total cost of degree}
Bridgeport
Bridgeport
CT
2,132
55
99
22,000
88,000
Central Connecticut
New Britain
CT
7,253
66
70
26,500
107,000
UConn
Storrs
CT
18,229
49
61
27,500
112,000
Eastern Connecticut
Willimantic
CT
4,063
64
81
29,500
120,000
Fairfield
Fairfield
CT
4,160
57
94
29,500
119,000
Hartford
West Hartford
CT
4,247
76
98
26,000
105,500
New Haven Univ
West Haven
CT
4,625
83
99
31,000
126,000
Post
Waterbury
CT
2,293
97
45
11,000
45,500
Quinnipiac
Hamden
CT
6,543
70
99
36,500
149,000
Sacred Heart
Fairfield
CT
5,348
64
98
36,500
149,000
Southern Connecticut
New Haven
CT
6,801
69
24
34,500
141,500
Trinity
Hartford
CT
2,128
33
51
0
0
Wesleyan
Middletown
CT
2,937
16
41
7,500
29,500
Western Connecticut
Danbury
CT
4,074
76
61
33,000
134,000
Yale
New Haven
CT
6,088
6
56
2,500
10,500
George Washington
Washington
DC
11,102
41
75
19,000
78,000
Univ of Tampa
Tampa
FL
8,441
45
91
28,000
113,000
Bates
Lewiston
ME
1,820
12
40
9,500
39,500
Bowdoin
Brunswick
ME
1,834
9
51
11,000
45,500
Colby
Waterville
ME
2,003
10
43
3,000
11,500
Maine
Orono
ME
8,060
90
99
30,000
122,000
University of New England
Biddeford
ME
2,425
84
100
31,500
130,000
Southern Maine CC
South Portland
ME
2,347
100
33
12,500
25,000
Southern Maine
Portland
ME
4,062
81
90
18,000
72,500
American International
Springfield
MA
1,272
65
100
20,500
89,000
Amherst
Amherst
MA
1,839
11
62
7,500
31,000
Assumption
Worcester
MA
1,946
81
100
24,500
100,000
Babson
Wellesley
MA
2,386
26
43
19,000
82,000
Bay Path
Longmeadow
MA
1,165
72
95
18,500
82,000
Becker
Worcester
MA
1,469
70
100
32,500
134,000
Bentley
Waltham
MA
4,177
47
75
23,500
102,000
Berklee School of Music
Boston
MA
5,041
51
45
42,500
180,000
Boston College
Chestnut Hill
MA
9,666
27
44
7,000
31,000
Boston University
Boston
MA
16,978
19
49
14,000
59,500
Brandeis
Waltham
MA
3,673
30
65
18,000
80,000
Bridgewater State
Bridgewater
MA
7,681
88
40
15,000
65,000
Bristol CC
Fall River
MA
2,971
100
1
6,000
13,000
Bunker Hill CC
Boston
MA
4,053
100
26
8,000
17,000
Clark
Worcester
MA
2,281
53
93
20,500
90,500
Curry
Milton
MA
1,969
87
100
25,500
100,000
Dean
Franklin
MA
1,184
69
95
28,500
125,500
Emerson
Boston
MA
3,827
33
75
38,500
167,500
Emmanuel
Boston
MA
1,953
78
100
26,000
108,000
Endicott
Beverly
MA
2,809
69
93
27,500
114,500
Fitchburg State
Fitchburg
MA
3,164
88
59
14,000
61,500
Framingham State
Framingham
MA
3,376
74
51
17,000
74,500
Gordon
Wenham
MA
1,440
74
96
23,000
94,000
Hampshire
Amherst
MA
745
2
99
24,000
102,000
Harvard
Cambridge
MA
7,148
5
57
1,000
4,500
College of the Holy Cross
Worcester
MA
2,931
34
65
19,000
80,000
Holyoke CC
Holyoke
MA
1,998
100
31
7,500
15,500
Lasell
Newton
MA
1,604
84
97
23,500
99,500
Lesley
Cambridge
MA
1,599
75
98
30,500
136,500
UMass-Lowell
Lowell
MA
10,862
73
77
13,500
58,000
UMass
Amherst
MA
22,491
64
82
14,500
65,000
UMass-Boston
Boston
MA
9,995
76
75
12,000
52,500
Massachusetts Bay CC
Wellesley Hills
MA
1,451
100
3
11,500
24,000
MCPHS University
Boston
MA
3,843
85
99
36,000
155,500
Mass College of Art and Design
Boston
MA
1,682
58
90
19,500
86,500
MIT
Cambridge
MA
4,501
7
60
2,500
11,000
Massachusetts Maritime Academy
Buzzards Bay
MA
1,616
91
43
8,000
35,000
Massasoit CC
Brockton
MA
2,495
100
21
8,000
16,000
Merrimack
North Andover
MA
3,885
82
99
30,000
127,500
Middlesex CC
Bedford
MA
2,446
100
24
4,000
8,500
Mount Holyoke
South Hadley
MA
2,157
38
73
17,500
76,000
Mount Wachusett CC
Gardner
MA
1,218
100
24
8,000
17,000
Nichols
Dudley
MA
1,217
80
100
25,000
103,000
Massachusetts Coll of Liberal Arts
North Adams
MA
1,145
82
88
14,500
62,500
North Shore CC
Danvers
MA
1,915
100
32
8,000
16,500
Northeastern
Boston
MA
14,156
18
75
14,000
62,000
Northern Essex CC
Haverhill
MA
1,595
100
8
8,000
17,500
Our Lady of the Elms
Chicopee
MA
997
75
100
19,000
80,000
Quincy
Quincy
MA
1,209
100
0
14,000
30,500
Quinsigamond CC
Worcester
MA
2,453
100
29
7,500
15,500
Regis
Weston
MA
1,124
79
100
26,500
117,000
Salem State
Salem
MA
4,997
86
70
17,000
72,000
Simmons
Boston
MA
1,607
73
100
25,500
109,500
Smith
Northampton
MA
2,519
32
67
10,000
42,000
Springfield College
Springfield
MA
2,158
68
99
22,000
90,000
Springfield Tech CC
Springfield
MA
2,177
100
38
8,000
16,000
UMass-Dartmouth
North Dartmouth
MA
5,465
75
93
16,000
70,000
Stonehill
Easton
MA
2,439
68
100
25,000
108,000
Suffolk
Boston
MA
4,665
84
94
28,500
121,000
Tufts
Medford
MA
5,742
15
37
7,500
32,500
Wellesley
Wellesley
MA
2,399
22
57
4,500
18,500
Wentworth Tech
Boston
MA
3,904
69
100
31,500
133,000
Western New England
Springfield
MA
2,580
85
97
25,500
107,000
Westfield State
Westfield
MA
4,250
87
43
14,500
64,000
Wheaton
Norton
MA
1,764
74
99
21,000
83,000
Williams
Williamstown
MA
2,043
13
51
3,500
15,000
Worcester Polytechnic Institute
Worcester
MA
4,642
49
99
30,500
135,500
Worcester State
Worcester
MA
4,078
66
50
17,000
74,000
Dartmouth
Hanover
NH
4,401
8
47
5,000
20,000
Southern New Hampshire U
Manchester
NH
27,372
88
33
34,000
135,500
New Hampshire
Durham
NH
11,960
84
85
30,000
121,500
Keene State
Keene
NH
3,279
88
95
24,500
100,000
Plymouth State
Plymouth
NH
3,659
85
98
24,500
100,500
St Anselm
Manchester
NH
2,014
75
99
22,500
92,000
Montclair State
Montclair
NJ
14,859
76
38
27,500
112,500
Rutgers
New Brunswick
NJ
34,285
61
40
27,000
108,500
Columbia
New York
NY
7,701
5
52
4,000
16,500
Cornell
Ithaca
NY
15,038
11
46
2,500
9,500
CUNY Hunter
New York
NY
12,991
35
17
13,500
55,000
Fordham
Bronx
NY
9,229
46
90
34,000
139,000
Ithaca
Ithaca
NY
5,739
73
95
25,500
103,500
Marist
Poughkeepsie
NY
5,199
49
89
30,000
122,500
NYU
New York
NY
25,872
16
46
28,500
116,500
Pace
New York
NY
7,837
79
97
26,000
106,000
Rensselaer Polytechnic
Troy
NY
6,218
47
84
24,000
98,000
Rochester Inst of Tech
Rochester
NY
12,254
71
94
27,500
112,500
Rochester U
Rochester
NY
6,410
30
77
16,500
66,500
St John's
Queens
NY
11,525
72
100
24,500
99,000
SUNY at Albany
Albany
NY
12,568
54
65
36,500
147,500
Binghamton
Binghamton
NY
13,845
41
51
23,000
92,500
Buffalo
Buffalo
NY
20,401
61
69
25,500
103,500
Stony Brook
Stony Brook
NY
16,697
44
69
27,500
114,000
Syracuse
Syracuse
NY
14,727
44
79
24,000
98,000
Penn State
University Park
PA
66,409
54
43
41,000
167,500
Temple
Philadelphia
PA
26,247
60
79
29,000
119,000
Brown
Providence
RI
6,826
7
43
6,500
27,000
Bryant
Smithfield
RI
3,349
71
96
35,500
145,000
Johnson & Wales-Providence
Providence
RI
5,767
93
99
24,000
97,000
New England Inst of Techn
Warwick
RI
2,031
63
88
31,500
130,000
Providence
Providence
RI
3,891
47
66
25,500
104,000
Rhode Island College
Providence
RI
4,942
78
54
34,000
138,500
Rhode Island CC
Warwick
RI
6,088
100
47
13,500
27,500
Rhode Island
Kingston
RI
12,596
75
86
35,500
144,500
Rhode Isl School of Design
Providence
RI
2,009
26
38
34,500
140,500
Roger Williams
Bristol
RI
4,022
85
98
31,500
128,000
Salve Regina
Newport
RI
2,091
74
99
29,000
117,000
Champlain
Burlington
VT
2,447
85
99
28,500
116,000
Middlebury
Middlebury
VT
2,556
15
50
8,000
33,000
Norwich
Northfield
VT
2,643
75
100
19,500
78,500
Vermont
Burlington
VT
10,501
67
93
39,000
160,500
2022-23 projected average net cost for selected colleges including both in- and out-of-state schools.
Scenario
Scenario: Students with families with an average of $60,000 in annual income. Families in this income range on average have approximately $20,000 in financial assets and home equity of approximately $90,000 (Federal Reserve Survey of Consumer Finances).
College City State Full-time students Admissions % % students paying discounted tuition Avg. annual net cost Total cost of degree
Bridgeport
Bridgeport
CT
2,132
55
99
23,000
93,000
Central Connecticut
New Britain
CT
7,253
66
70
31,000
126,500
UConn
Storrs
CT
18,229
49
61
32,000
129,000
Eastern Connecticut
Willimantic
CT
4,063
64
81
32,500
133,000
Fairfield
Fairfield
CT
4,160
57
94
31,000
126,000
Hartford
West Hartford
CT
4,247
76
98
26,500
108,500
New Haven Univ
West Haven
CT
4,625
83
99
34,000
138,500
Post
Waterbury
CT
2,293
97
45
11,000
45,500
Quinnipiac
Hamden
CT
6,543
70
99
38,000
155,000
Sacred Heart
Fairfield
CT
5,348
64
98
40,500
166,000
Southern Connecticut
New Haven
CT
6,801
69
24
38,500
158,500
Trinity
Hartford
CT
2,128
33
51
0
0
Wesleyan
Middletown
CT
2,937
16
41
12,500
51,000
Western Connecticut
Danbury
CT
4,074
76
61
35,000
142,000
Yale
New Haven
CT
6,088
6
56
3,000
13,000
George Washington
Washington
DC
11,102
41
75
23,000
94,000
Univ of Tampa
Tampa
FL
8,441
45
91
29,500
120,500
Bates
Lewiston
ME
1,820
12
40
14,000
57,000
Bowdoin
Brunswick
ME
1,834
9
51
17,000
69,000
Colby
Waterville
ME
2,003
10
43
7,000
28,000
Maine
Orono
ME
8,060
90
99
32,500
133,000
University of New England
Biddeford
ME
2,425
84
100
33,500
136,500
Southern Maine CC
South Portland
ME
2,347
100
33
16,500
32,500
Southern Maine
Portland
ME
4,062
81
90
24,000
97,000
American International
Springfield
MA
1,272
65
100
25,500
105,500
Amherst
Amherst
MA
1,839
11
62
11,000
45,500
Assumption
Worcester
MA
1,946
81
100
28,500
115,000
Babson
Wellesley
MA
2,386
26
43
24,500
102,500
Bay Path
Longmeadow
MA
1,165
72
95
23,500
96,500
Becker
Worcester
MA
1,469
70
100
36,000
150,000
Bentley
Waltham
MA
4,177
47
75
31,000
129,000
Berklee School of Music
Boston
MA
5,041
51
45
46,000
188,500
Boston College
Chestnut Hill
MA
9,666
27
44
18,500
77,500
Boston University
Boston
MA
16,978
19
49
22,500
92,000
Brandeis
Waltham
MA
3,673
30
65
23,000
95,500
Bridgewater State
Bridgewater
MA
7,681
88
40
19,500
80,500
Bristol CC
Fall River
MA
2,971
100
1
8,500
17,500
Bunker Hill CC
Boston
MA
4,053
100
26
10,000
20,000
Clark
Worcester
MA
2,281
53
93
23,500
98,000
Curry
Milton
MA
1,969
87
100
26,500
107,000
Dean
Franklin
MA
1,184
69
95
32,500
134,000
Emerson
Boston
MA
3,827
33
75
44,500
184,500
Emmanuel
Boston
MA
1,953
78
100
28,500
116,500
Endicott
Beverly
MA
2,809
69
93
33,500
136,000
Fitchburg State
Fitchburg
MA
3,164
88
59
18,000
74,000
Framingham State
Framingham
MA
3,376
74
51
21,500
90,000
Gordon
Wenham
MA
1,440
74
96
23,000
94,000
Hampshire
Amherst
MA
745
2
99
25,500
104,500
Harvard
Cambridge
MA
7,148
5
57
3,500
15,000
College of the Holy Cross
Worcester
MA
2,931
34
65
22,000
91,500
Holyoke CC
Holyoke
MA
1,998
100
31
10,000
20,500
Lasell
Newton
MA
1,604
84
97
24,500
99,500
Lesley
Cambridge
MA
1,599
75
98
37,000
153,500
UMass-Lowell
Lowell
MA
10,862
73
77
18,000
73,500
UMass
Amherst
MA
22,491
64
82
19,500
81,500
UMass-Boston
Boston
MA
9,995
76
75
16,000
67,000
Massachusetts Bay CC
Wellesley Hills
MA
1,451
100
3
14,000
28,500
MCPHS University
Boston
MA
3,843
85
99
40,500
166,500
Mass College of Art and Design
Boston
MA
1,682
58
90
23,500
97,000
MIT
Cambridge
MA
4,501
7
60
4,500
19,000
Massachusetts Maritime Academy
Buzzards Bay
MA
1,616
91
43
11,500
47,000
Massasoit CC
Brockton
MA
2,495
100
21
9,500
18,500
Merrimack
North Andover
MA
3,885
82
99
32,000
132,000
Middlesex CC
Bedford
MA
2,446
100
24
5,500
10,500
Mount Holyoke
South Hadley
MA
2,157
38
73
21,500
88,500
Mount Wachusett CC
Gardner
MA
1,218
100
24
10,000
20,000
Nichols
Dudley
MA
1,217
80
100
29,000
117,000
Massachusetts Coll of Liberal Arts
North Adams
MA
1,145
82
88
18,500
75,500
North Shore CC
Danvers
MA
1,915
100
32
10,500
21,500
Northeastern
Boston
MA
14,156
18
75
20,000
83,500
Northern Essex CC
Haverhill
MA
1,595
100
8
11,000
22,000
Our Lady of the Elms
Chicopee
MA
997
75
100
25,500
103,500
Quincy
Quincy
MA
1,209
100
0
16,000
32,000
Quinsigamond CC
Worcester
MA
2,453
100
29
9,500
19,000
Regis
Weston
MA
1,124
79
100
32,500
133,500
Salem State
Salem
MA
4,997
86
70
20,000
83,000
Simmons
Boston
MA
1,607
73
100
28,000
115,500
Smith
Northampton
MA
2,519
32
67
16,500
67,000
Springfield College
Springfield
MA
2,158
68
99
25,000
101,000
Springfield Tech CC
Springfield
MA
2,177
100
38
9,500
19,500
UMass-Dartmouth
North Dartmouth
MA
5,465
75
93
20,000
82,000
Stonehill
Easton
MA
2,439
68
100
30,500
125,500
Suffolk
Boston
MA
4,665
84
94
31,000
126,500
Tufts
Medford
MA
5,742
15
37
14,500
60,000
Wellesley
Wellesley
MA
2,399
22
57
11,500
47,500
Wentworth Tech
Boston
MA
3,904
69
100
35,000
143,500
Western New England
Springfield
MA
2,580
85
97
28,500
117,000
Westfield State
Westfield
MA
4,250
87
43
19,000
78,500
Wheaton
Norton
MA
1,764
74
99
22,000
88,500
Williams
Williamstown
MA
2,043
13
51
9,000
37,000
Worcester Polytechnic Institute
Worcester
MA
4,642
49
99
37,500
155,000
Worcester State
Worcester
MA
4,078
66
50
21,000
87,000
Dartmouth
Hanover
NH
4,401
8
47
11,000
45,000
Southern New Hampshire U
Manchester
NH
27,372
88
33
34,000
135,500
New Hampshire
Durham
NH
11,960
84
85
34,500
140,000
Keene State
Keene
NH
3,279
88
95
27,500
112,000
Plymouth State
Plymouth
NH
3,659
85
98
27,500
112,000
St Anselm
Manchester
NH
2,014
75
99
26,000
106,500
Montclair State
Montclair
NJ
14,859
76
38
34,000
138,000
Rutgers
New Brunswick
NJ
34,285
61
40
33,500
135,500
Columbia
New York
NY
7,701
5
52
6,500
27,000
Cornell
Ithaca
NY
15,038
11
46
13,500
56,000
CUNY Hunter
New York
NY
12,991
35
17
22,500
92,000
Fordham
Bronx
NY
9,229
46
90
34,000
139,000
Ithaca
Ithaca
NY
5,739
73
95
31,000
126,000
Marist
Poughkeepsie
NY
5,199
49
89
34,500
141,500
NYU
New York
NY
25,872
16
46
36,500
149,000
Pace
New York
NY
7,837
79
97
30,000
121,000
Rensselaer Polytechnic
Troy
NY
6,218
47
84
29,500
121,000
Rochester Inst of Tech
Rochester
NY
12,254
71
94
29,500
119,500
Rochester U
Rochester
NY
6,410
30
77
23,500
95,500
St John's
Queens
NY
11,525
72
100
26,000
105,000
SUNY at Albany
Albany
NY
12,568
54
65
43,000
173,500
Binghamton
Binghamton
NY
13,845
41
51
29,500
120,000
Buffalo
Buffalo
NY
20,401
61
69
31,000
125,500
Stony Brook
Stony Brook
NY
16,697
44
69
36,000
148,000
Syracuse
Syracuse
NY
14,727
44
79
29,000
120,000
Penn State
University Park
PA
66,409
54
43
48,000
194,500
Temple
Philadelphia
PA
26,247
60
79
32,500
132,000
Brown
Providence
RI
6,826
7
43
14,000
58,000
Bryant
Smithfield
RI
3,349
71
96
38,000
155,000
Johnson & Wales-Providence
Providence
RI
5,767
93
99
24,000
97,000
New England Inst of Techn
Warwick
RI
2,031
63
88
35,000
143,000
Providence
Providence
RI
3,891
47
66
30,500
124,500
Rhode Island College
Providence
RI
4,942
78
54
40,000
164,500
Rhode Island CC
Warwick
RI
6,088
100
47
14,500
30,000
Rhode Island
Kingston
RI
12,596
75
86
39,500
161,000
Rhode Isl School of Design
Providence
RI
2,009
26
38
37,500
153,000
Roger Williams
Bristol
RI
4,022
85
98
35,500
144,000
Salve Regina
Newport
RI
2,091
74
99
31,000
125,000
Champlain
Burlington
VT
2,447
85
99
34,000
137,000
Middlebury
Middlebury
VT
2,556
15
50
14,500
60,000
Norwich
Northfield
VT
2,643
75
100
22,000
88,000
Vermont
Burlington
VT
10,501
67
93
41,000
167,000
2022-23 projected average net cost for selected colleges including both in- and out-of-state schools.
Scenario
Students with families with an average of $90,000 in annual income. Families in this income range on average have approximately $200,000 in financial assets and home equity of approximately $120,000 (Federal Reserve Survey of Consumer Finances).
College City State Full-time students Admissions % % students paying discounted tuition Avg. annual net cost Total cost of degree
Bridgeport
Bridgeport
CT
2,132
55
99
24,000
97,000
Central Connecticut
New Britain
CT
7,253
66
70
35,500
145,500
UConn
Storrs
CT
18,229
49
61
34,000
137,000
Eastern Connecticut
Willimantic
CT
4,063
64
81
38,500
157,000
Fairfield
Fairfield
CT
4,160
57
94
33,500
136,000
Hartford
West Hartford
CT
4,247
76
98
26,500
108,500
New Haven Univ
West Haven
CT
4,625
83
99
36,000
145,500
Post
Waterbury
CT
2,293
97
45
11,000
45,500
Quinnipiac
Hamden
CT
6,543
70
99
41,500
169,500
Sacred Heart
Fairfield
CT
5,348
64
98
44,500
181,000
Southern Connecticut
New Haven
CT
6,801
69
24
41,000
167,000
Trinity
Hartford
CT
2,128
33
51
0
0
Wesleyan
Middletown
CT
2,937
16
41
19,500
79,500
Western Connecticut
Danbury
CT
4,074
76
61
37,500
153,500
Yale
New Haven
CT
6,088
6
56
11,500
46,500
George Washington
Washington
DC
11,102
41
75
30,500
124,500
Univ of Tampa
Tampa
FL
8,441
45
91
30,000
123,000
Bates
Lewiston
ME
1,820
12
40
22,500
92,000
Bowdoin
Brunswick
ME
1,834
9
51
22,500
91,000
Colby
Waterville
ME
2,003
10
43
18,500
76,500
Maine
Orono
ME
8,060
90
99
32,500
133,000
University of New England
Biddeford
ME
2,425
84
100
37,000
151,500
Southern Maine CC
South Portland
ME
2,347
100
33
19,500
39,500
Southern Maine
Portland
ME
4,062
81
90
29,500
118,500
American International
Springfield
MA
1,272
65
100
28,500
117,500
Amherst
Amherst
MA
1,839
11
62
23,000
94,500
Assumption
Worcester
MA
1,946
81
100
29,000
118,000
Babson
Wellesley
MA
2,386
26
43
31,000
129,000
Bay Path
Longmeadow
MA
1,165
72
95
27,500
115,000
Becker
Worcester
MA
1,469
70
100
38,000
158,500
Bentley
Waltham
MA
4,177
47
75
35,000
145,500
Berklee School of Music
Boston
MA
5,041
51
45
46,000
188,500
Boston College
Chestnut Hill
MA
9,666
27
44
25,000
104,500
Boston University
Boston
MA
16,978
19
49
33,000
135,000
Brandeis
Waltham
MA
3,673
30
65
33,500
138,500
Bridgewater State
Bridgewater
MA
7,681
88
40
22,500
94,000
Bristol CC
Fall River
MA
2,971
100
1
11,500
23,000
Bunker Hill CC
Boston
MA
4,053
100
26
12,500
25,000
Clark
Worcester
MA
2,281
53
93
27,500
114,000
Curry
Milton
MA
1,969
87
100
29,500
118,000
Dean
Franklin
MA
1,184
69
95
33,500
138,000
Emerson
Boston
MA
3,827
33
75
45,500
189,000
Emmanuel
Boston
MA
1,953
78
100
30,000
123,000
Endicott
Beverly
MA
2,809
69
93
35,500
144,000
Fitchburg State
Fitchburg
MA
3,164
88
59
21,500
90,000
Framingham State
Framingham
MA
3,376
74
51
25,500
105,500
Gordon
Wenham
MA
1,440
74
96
26,500
106,500
Hampshire
Amherst
MA
745
2
99
32,500
134,000
Harvard
Cambridge
MA
7,148
5
57
19,000
79,500
College of the Holy Cross
Worcester
MA
2,931
34
65
31,500
129,000
Holyoke CC
Holyoke
MA
1,998
100
31
13,000
26,500
Lasell
Newton
MA
1,604
84
97
27,000
110,000
Lesley
Cambridge
MA
1,599
75
98
39,500
163,000
UMass-Lowell
Lowell
MA
10,862
73
77
23,500
97,500
UMass
Amherst
MA
22,491
64
82
26,000
108,000
UMass-Boston
Boston
MA
9,995
76
75
20,000
83,500
Massachusetts Bay CC
Wellesley Hills
MA
1,451
100
3
16,000
32,500
MCPHS University
Boston
MA
3,843
85
99
42,500
175,500
Mass College of Art and Design
Boston
MA
1,682
58
90
25,500
106,500
MIT
Cambridge
MA
4,501
7
60
12,500
50,000
Massachusetts Maritime Academy
Buzzards Bay
MA
1,616
91
43
20,000
82,000
Massasoit CC
Brockton
MA
2,495
100
21
12,500
25,000
Merrimack
North Andover
MA
3,885
82
99
35,000
143,000
Middlesex CC
Bedford
MA
2,446
100
24
9,500
19,000
Mount Holyoke
South Hadley
MA
2,157
38
73
25,000
103,500
Mount Wachusett CC
Gardner
MA
1,218
100
24
13,000
26,500
Nichols
Dudley
MA
1,217
80
100
30,000
122,000
Massachusetts Coll of Liberal Arts
North Adams
MA
1,145
82
88
20,500
86,000
North Shore CC
Danvers
MA
1,915
100
32
13,000
26,500
Northeastern
Boston
MA
14,156
18
75
29,500
122,000
Northern Essex CC
Haverhill
MA
1,595
100
8
14,500
29,000
Our Lady of the Elms
Chicopee
MA
997
75
100
26,500
107,000
Quincy
Quincy
MA
1,209
100
0
16,000
32,000
Quinsigamond CC
Worcester
MA
2,453
100
29
11,000
22,500
Regis
Weston
MA
1,124
79
100
33,500
138,500
Salem State
Salem
MA
4,997
86
70
22,000
91,500
Simmons
Boston
MA
1,607
73
100
32,000
132,500
Smith
Northampton
MA
2,519
32
67
25,000
100,500
Springfield College
Springfield
MA
2,158
68
99
30,000
122,000
Springfield Tech CC
Springfield
MA
2,177
100
38
12,500
24,500
UMass-Dartmouth
North Dartmouth
MA
5,465
75
93
24,500
101,000
Stonehill
Easton
MA
2,439
68
100
36,000
148,500
Suffolk
Boston
MA
4,665
84
94
32,500
133,000
Tufts
Medford
MA
5,742
15
37
27,500
113,000
Wellesley
Wellesley
MA
2,399
22
57
22,000
91,000
Wentworth Tech
Boston
MA
3,904
69
100
37,500
153,500
Western New England
Springfield
MA
2,580
85
97
31,000
127,000
Westfield State
Westfield
MA
4,250
87
43
23,000
95,000
Wheaton
Norton
MA
1,764
74
99
24,000
95,500
Williams
Williamstown
MA
2,043
13
51
18,500
76,000
Worcester Polytechnic Institute
Worcester
MA
4,642
49
99
42,500
177,000
Worcester State
Worcester
MA
4,078
66
50
23,500
96,500
Dartmouth
Hanover
NH
4,401
8
47
16,500
68,000
Southern New Hampshire U
Manchester
NH
27,372
88
33
34,000
135,500
New Hampshire
Durham
NH
11,960
84
85
38,000
154,500
Keene State
Keene
NH
3,279
88
95
31,500
127,500
Plymouth State
Plymouth
NH
3,659
85
98
29,000
118,500
St Anselm
Manchester
NH
2,014
75
99
29,500
120,000
Montclair State
Montclair
NJ
14,859
76
38
34,000
138,000
Rutgers
New Brunswick
NJ
34,285
61
40
41,000
166,000
Columbia
New York
NY
7,701
5
52
17,500
70,500
Cornell
Ithaca
NY
15,038
11
46
24,500
100,000
CUNY Hunter
New York
NY
12,991
35
17
28,500
117,000
Fordham
Bronx
NY
9,229
46
90
38,000
154,000
Ithaca
Ithaca
NY
5,739
73
95
34,000
137,500
Marist
Poughkeepsie
NY
5,199
49
89
37,000
150,000
NYU
New York
NY
25,872
16
46
44,000
179,000
Pace
New York
NY
7,837
79
97
32,500
131,500
Rensselaer Polytechnic
Troy
NY
6,218
47
84
36,000
148,000
Rochester Inst of Tech
Rochester
NY
12,254
71
94
34,000
139,000
Rochester U
Rochester
NY
6,410
30
77
31,000
127,000
St John's
Queens
NY
11,525
72
100
28,500
115,000
SUNY at Albany
Albany
NY
12,568
54
65
43,000
174,000
Binghamton
Binghamton
NY
13,845
41
51
32,000
129,000
Buffalo
Buffalo
NY
20,401
61
69
33,000
133,000
Stony Brook
Stony Brook
NY
16,697
44
69
39,500
162,000
Syracuse
Syracuse
NY
14,727
44
79
33,500
137,500
Penn State
University Park
PA
66,409
54
43
52,000
211,000
Temple
Philadelphia
PA
26,247
60
79
36,500
148,000
Brown
Providence
RI
6,826
7
43
23,000
95,500
Bryant
Smithfield
RI
3,349
71
96
41,500
169,500
Johnson & Wales-Providence
Providence
RI
5,767
93
99
24,000
97,000
New England Inst of Techn
Warwick
RI
2,031
63
88
38,500
158,500
Providence
Providence
RI
3,891
47
66
36,000
146,500
Rhode Island College
Providence
RI
4,942
78
54
40,000
164,500
Rhode Island CC
Warwick
RI
6,088
100
47
19,000
38,000
Rhode Island
Kingston
RI
12,596
75
86
39,500
161,000
Rhode Isl School of Design
Providence
RI
2,009
26
38
42,500
174,000
Roger Williams
Bristol
RI
4,022
85
98
37,500
153,000
Salve Regina
Newport
RI
2,091
74
99
33,500
137,000
Champlain
Burlington
VT
2,447
85
99
34,500
140,000
Middlebury
Middlebury
VT
2,556
15
50
23,000
94,000
Norwich
Northfield
VT
2,643
75
100
24,500
99,000
Vermont
Burlington
VT
10,501
67
93
41,000
167,000
2022-23 projected average net cost for selected colleges including both in- and out-of-state schools.
Scenario
Students with families with an average of $150,000 in annual income, $250,000 in financial assets and home equity of approximately $150,000 (in line with data from Federal Reserve Survey of Consumer Finances).
College City State Full-time students Admissions % % students paying discounted tuition Avg. annual net cost Total cost of degree
Bridgeport
Bridgeport
CT
2,132
55
99
26,500
106,500
Central Connecticut
New Britain
CT
7,253
66
70
37,000
150,500
UConn
Storrs
CT
18,229
49
61
41,500
167,500
Eastern Connecticut
Willimantic
CT
4,063
64
81
44,500
181,500
Fairfield
Fairfield
CT
4,160
57
94
48,500
197,500
Hartford
West Hartford
CT
4,247
76
98
35,500
144,000
New Haven Univ
West Haven
CT
4,625
83
99
39,500
160,500
Post
Waterbury
CT
2,293
97
45
11,000
45,500
Quinnipiac
Hamden
CT
6,543
70
99
46,500
190,500
Sacred Heart
Fairfield
CT
5,348
64
98
45,500
185,000
Southern Connecticut
New Haven
CT
6,801
69
24
41,000
167,000
Trinity
Hartford
CT
2,128
33
51
0
0
Wesleyan
Middletown
CT
2,937
16
41
20,500
84,000
Western Connecticut
Danbury
CT
4,074
76
61
43,500
177,000
Yale
New Haven
CT
6,088
6
56
20,500
84,000
George Washington
Washington
DC
11,102
41
75
41,000
167,000
Univ of Tampa
Tampa
FL
8,441
45
91
31,500
127,500
Bates
Lewiston
ME
1,820
12
40
31,000
128,000
Bowdoin
Brunswick
ME
1,834
9
51
22,500
92,500
Colby
Waterville
ME
2,003
10
43
28,000
115,500
Maine
Orono
ME
8,060
90
99
32,500
133,000
University of New England
Biddeford
ME
2,425
84
100
43,500
179,500
Southern Maine CC
South Portland
ME
2,347
100
33
19,500
39,500
Southern Maine
Portland
ME
4,062
81
90
29,500
118,500
American International
Springfield
MA
1,272
65
100
34,000
142,000
Amherst
Amherst
MA
1,839
11
62
29,000
119,000
Assumption
Worcester
MA
1,946
81
100
30,500
123,500
Babson
Wellesley
MA
2,386
26
43
42,500
177,000
Bay Path
Longmeadow
MA
1,165
72
95
29,500
124,000
Becker
Worcester
MA
1,469
70
100
42,000
175,500
Bentley
Waltham
MA
4,177
47
75
35,000
145,500
Berklee School of Music
Boston
MA
5,041
51
45
46,000
188,000
Boston College
Chestnut Hill
MA
9,666
27
44
33,000
138,000
Boston University
Boston
MA
16,978
19
49
33,000
135,000
Brandeis
Waltham
MA
3,673
30
65
33,500
139,500
Bridgewater State
Bridgewater
MA
7,681
88
40
27,500
113,500
Bristol CC
Fall River
MA
2,971
100
1
12,000
24,500
Bunker Hill CC
Boston
MA
4,053
100
26
14,500
29,000
Clark
Worcester
MA
2,281
53
93
35,500
146,500
Curry
Milton
MA
1,969
87
100
32,500
128,500
Dean
Franklin
MA
1,184
69
95
33,500
138,500
Emerson
Boston
MA
3,827
33
75
48,500
200,500
Emmanuel
Boston
MA
1,953
78
100
33,500
136,000
Endicott
Beverly
MA
2,809
69
93
39,000
160,000
Fitchburg State
Fitchburg
MA
3,164
88
59
24,500
101,500
Framingham State
Framingham
MA
3,376
74
51
25,500
106,000
Gordon
Wenham
MA
1,440
74
96
32,500
131,000
Hampshire
Amherst
MA
745
2
99
33,000
135,000
Harvard
Cambridge
MA
7,148
5
57
22,500
94,000
College of the Holy Cross
Worcester
MA
2,931
34
65
49,500
203,500
Holyoke CC
Holyoke
MA
1,998
100
31
17,000
34,000
Lasell
Newton
MA
1,604
84
97
29,500
119,500
Lesley
Cambridge
MA
1,599
75
98
42,000
176,500
UMass-Lowell
Lowell
MA
10,862
73
77
33,000
136,000
UMass
Amherst
MA
22,491
64
82
34,000
141,500
UMass-Boston
Boston
MA
9,995
76
75
24,000
100,500
Massachusetts Bay CC
Wellesley Hills
MA
1,451
100
3
17,000
34,500
MCPHS University
Boston
MA
3,843
85
99
47,000
193,500
Mass College of Art and Design
Boston
MA
1,682
58
90
30,000
125,500
MIT
Cambridge
MA
4,501
7
60
21,500
87,000
Massachusetts Maritime Academy
Buzzards Bay
MA
1,616
91
43
28,000
117,000
Massasoit CC
Brockton
MA
2,495
100
21
14,000
28,000
Merrimack
North Andover
MA
3,885
82
99
40,000
165,500
Middlesex CC
Bedford
MA
2,446
100
24
15,500
31,000
Mount Holyoke
South Hadley
MA
2,157
38
73
39,500
165,000
Mount Wachusett CC
Gardner
MA
1,218
100
24
16,500
33,500
Nichols
Dudley
MA
1,217
80
100
32,500
131,500
Massachusetts Coll of Liberal Arts
North Adams
MA
1,145
82
88
23,000
95,000
North Shore CC
Danvers
MA
1,915
100
32
18,000
36,500
Northeastern
Boston
MA
14,156
18
75
44,500
186,500
Northern Essex CC
Haverhill
MA
1,595
100
8
19,500
39,000
Our Lady of the Elms
Chicopee
MA
997
75
100
28,000
114,000
Quincy
Quincy
MA
1,209
100
0
16,000
32,000
Quinsigamond CC
Worcester
MA
2,453
100
29
11,000
22,500
Regis
Weston
MA
1,124
79
100
33,500
139,000
Salem State
Salem
MA
4,997
86
70
26,500
108,500
Simmons
Boston
MA
1,607
73
100
37,500
154,000
Smith
Northampton
MA
2,519
32
67
31,000
125,500
Springfield College
Springfield
MA
2,158
68
99
37,500
150,000
Springfield Tech CC
Springfield
MA
2,177
100
38
17,500
35,000
UMass-Dartmouth
North Dartmouth
MA
5,465
75
93
28,000
117,500
Stonehill
Easton
MA
2,439
68
100
44,500
185,500
Suffolk
Boston
MA
4,665
84
94
35,500
146,500
Tufts
Medford
MA
5,742
15
37
40,000
165,500
Wellesley
Wellesley
MA
2,399
22
57
32,000
130,000
Wentworth Tech
Boston
MA
3,904
69
100
42,500
173,000
Western New England
Springfield
MA
2,580
85
97
36,000
146,000
Westfield State
Westfield
MA
4,250
87
43
23,000
95,500
Wheaton
Norton
MA
1,764
74
99
27,000
108,500
Williams
Williamstown
MA
2,043
13
51
37,000
155,500
Worcester Polytechnic Institute
Worcester
MA
4,642
49
99
50,000
209,000
Worcester State
Worcester
MA
4,078
66
50
25,500
105,500
Dartmouth
Hanover
NH
4,401
8
47
36,500
148,500
Southern New Hampshire U
Manchester
NH
27,372
88
33
37,000
147,000
New Hampshire
Durham
NH
11,960
84
85
45,500
185,000
Keene State
Keene
NH
3,279
88
95
31,500
127,500
Plymouth State
Plymouth
NH
3,659
85
98
29,000
118,500
St Anselm
Manchester
NH
2,014
75
99
37,000
150,500
Montclair State
Montclair
NJ
14,859
76
38
34,000
138,000
Rutgers
New Brunswick
NJ
34,285
61
40
51,000
205,000
Columbia
New York
NY
7,701
5
52
29,000
118,500
Cornell
Ithaca
NY
15,038
11
46
38,000
154,500
CUNY Hunter
New York
NY
12,991
35
17
30,500
125,000
Fordham
Bronx
NY
9,229
46
90
45,500
184,500
Ithaca
Ithaca
NY
5,739
73
95
39,500
161,000
Marist
Poughkeepsie
NY
5,199
49
89
53,000
216,500
NYU
New York
NY
25,872
16
46
59,000
240,500
Pace
New York
NY
7,837
79
97
32,000
130,000
Rensselaer Polytechnic
Troy
NY
6,218
47
84
43,000
175,000
Rochester Inst of Tech
Rochester
NY
12,254
71
94
41,500
170,500
Rochester U
Rochester
NY
6,410
30
77
47,000
190,500
St John's
Queens
NY
11,525
72
100
33,500
135,000
SUNY at Albany
Albany
NY
12,568
54
65
43,000
174,000
Binghamton
Binghamton
NY
13,845
41
51
36,500
147,500
Buffalo
Buffalo
NY
20,401
61
69
36,500
148,000
Stony Brook
Stony Brook
NY
16,697
44
69
40,000
165,500
Syracuse
Syracuse
NY
14,727
44
79
37,000
152,500
Penn State
University Park
PA
66,409
54
43
52,000
211,000
Temple
Philadelphia
PA
26,247
60
79
43,000
176,000
Brown
Providence
RI
6,826
7
43
40,500
166,000
Bryant
Smithfield
RI
3,349
71
96
47,000
193,000
Johnson & Wales-Providence
Providence
RI
5,767
93
99
33,500
136,000
New England Inst of Techn
Warwick
RI
2,031
63
88
38,500
158,500
Providence
Providence
RI
3,891
47
66
43,000
176,000
Rhode Island College
Providence
RI
4,942
78
54
40,000
164,500
Rhode Island CC
Warwick
RI
6,088
100
47
23,500
48,000
Rhode Island
Kingston
RI
12,596
75
86
39,500
161,000
Rhode Isl School of Design
Providence
RI
2,009
26
38
64,000
260,500
Roger Williams
Bristol
RI
4,022
85
98
41,500
169,500
Salve Regina
Newport
RI
2,091
74
99
38,500
157,000
Champlain
Burlington
VT
2,447
85
99
36,500
147,000
Middlebury
Middlebury
VT
2,556
15
50
46,500
190,500
Norwich
Northfield
VT
2,643
75
100
30,000
121,500
Vermont
Burlington
VT
10,501
67
93
48,500
198,500
2022-23 projected average net cost for selected colleges including both in- and out-of-state schools.
Scenario
Students with families with an average of $200,000 in annual income, $500,000 in financial assets and home equity of approximately $200,000 (in line with data from Federal Reserve Survey of Consumer Finances).
College City State Full-time students Admissions % % students paying discounted tuition Avg. annual net cost Total cost of degree
Bridgeport
Bridgeport
CT
2,132
55
99
28,500
113,500
Central Connecticut
New Britain
CT
7,253
66
70
37,000
150,500
UConn
Storrs
CT
18,229
49
61
41,500
167,500
Eastern Connecticut
Willimantic
CT
4,063
64
81
44,500
181,500
Fairfield
Fairfield
CT
4,160
57
94
54,500
221,000
Hartford
West Hartford
CT
4,247
76
98
35,500
144,000
New Haven Univ
West Haven
CT
4,625
83
99
40,500
164,500
Post
Waterbury
CT
2,293
97
45
11,000
45,500
Quinnipiac
Hamden
CT
6,543
70
99
46,500
190,500
Sacred Heart
Fairfield
CT
5,348
64
98
45,500
185,000
Southern Connecticut
New Haven
CT
6,801
69
24
41,000
167,000
Trinity
Hartford
CT
2,128
33
51
0
0
Wesleyan
Middletown
CT
2,937
16
41
45,000
183,000
Western Connecticut
Danbury
CT
4,074
76
61
44,000
179,000
Yale
New Haven
CT
6,088
6
56
51,500
210,000
George Washington
Washington
DC
11,102
41
75
56,000
228,500
Univ of Tampa
Tampa
FL
8,441
45
91
31,500
128,500
Bates
Lewiston
ME
1,820
12
40
53,500
219,500
Bowdoin
Brunswick
ME
1,834
9
51
42,000
171,000
Colby
Waterville
ME
2,003
10
43
56,000
229,500
Maine
Orono
ME
8,060
90
99
32,500
133,000
University of New England
Biddeford
ME
2,425
84
100
45,000
186,000
Southern Maine CC
South Portland
ME
2,347
100
33
19,500
39,500
Southern Maine
Portland
ME
4,062
81
90
29,500
118,500
American International
Springfield
MA
1,272
65
100
36,000
148,500
Amherst
Amherst
MA
1,839
11
62
56,500
233,500
Assumption
Worcester
MA
1,946
81
100
32,000
129,000
Babson
Wellesley
MA
2,386
26
43
54,500
227,500
Bay Path
Longmeadow
MA
1,165
72
95
44,000
183,000
Becker
Worcester
MA
1,469
70
100
42,000
175,500
Bentley
Waltham
MA
4,177
47
75
52,000
216,000
Berklee School of Music
Boston
MA
5,041
51
45
46,000
188,000
Boston College
Chestnut Hill
MA
9,666
27
44
49,000
204,000
Boston University
Boston
MA
16,978
19
49
61,000
251,000
Brandeis
Waltham
MA
3,673
30
65
61,500
256,000
Bridgewater State
Bridgewater
MA
7,681
88
40
27,500
113,500
Bristol CC
Fall River
MA
2,971
100
1
12,000
24,500
Bunker Hill CC
Boston
MA
4,053
100
26
14,500
29,000
Clark
Worcester
MA
2,281
53
93
41,500
173,500
Curry
Milton
MA
1,969
87
100
32,500
128,500
Dean
Franklin
MA
1,184
69
95
33,500
138,500
Emerson
Boston
MA
3,827
33
75
62,000
257,000
Emmanuel
Boston
MA
1,953
78
100
33,500
137,000
Endicott
Beverly
MA
2,809
69
93
40,500
165,500
Fitchburg State
Fitchburg
MA
3,164
88
59
24,500
101,500
Framingham State
Framingham
MA
3,376
74
51
25,500
106,000
Gordon
Wenham
MA
1,440
74
96
36,000
144,500
Hampshire
Amherst
MA
745
2
99
58,500
240,500
Harvard
Cambridge
MA
7,148
5
57
68,500
286,000
College of the Holy Cross
Worcester
MA
2,931
34
65
64,500
266,000
Holyoke CC
Holyoke
MA
1,998
100
31
17,000
34,000
Lasell
Newton
MA
1,604
84
97
29,500
119,500
Lesley
Cambridge
MA
1,599
75
98
42,000
176,500
UMass-Lowell
Lowell
MA
10,862
73
77
33,000
136,000
UMass
Amherst
MA
22,491
64
82
34,000
141,500
UMass-Boston
Boston
MA
9,995
76
75
24,000
100,500
Massachusetts Bay CC
Wellesley Hills
MA
1,451
100
3
17,000
34,500
MCPHS University
Boston
MA
3,843
85
99
47,500
196,000
Mass College of Art and Design
Boston
MA
1,682
58
90
33,000
137,000
MIT
Cambridge
MA
4,501
7
60
49,000
197,500
Massachusetts Maritime Academy
Buzzards Bay
MA
1,616
91
43
28,000
117,000
Massasoit CC
Brockton
MA
2,495
100
21
14,000
28,000
Merrimack
North Andover
MA
3,885
82
99
42,500
174,500
Middlesex CC
Bedford
MA
2,446
100
24
15,500
31,000
Mount Holyoke
South Hadley
MA
2,157
38
73
52,000
216,000
Mount Wachusett CC
Gardner
MA
1,218
100
24
16,500
33,500
Nichols
Dudley
MA
1,217
80
100
32,500
131,500
Massachusetts Coll of Liberal Arts
North Adams
MA
1,145
82
88
23,000
95,000
North Shore CC
Danvers
MA
1,915
100
32
19,000
38,500
Northeastern
Boston
MA
14,156
18
75
63,500
264,500
Northern Essex CC
Haverhill
MA
1,595
100
8
19,500
39,000
Our Lady of the Elms
Chicopee
MA
997
75
100
29,500
120,500
Quincy
Quincy
MA
1,209
100
0
16,000
32,000
Quinsigamond CC
Worcester
MA
2,453
100
29
11,000
22,500
Regis
Weston
MA
1,124
79
100
33,500
139,000
Salem State
Salem
MA
4,997
86
70
26,500
110,000
Simmons
Boston
MA
1,607
73
100
40,500
167,000
Smith
Northampton
MA
2,519
32
67
55,000
222,000
Springfield College
Springfield
MA
2,158
68
99
37,500
150,000
Springfield Tech CC
Springfield
MA
2,177
100
38
17,500
35,000
UMass-Dartmouth
North Dartmouth
MA
5,465
75
93
28,000
117,500
Stonehill
Easton
MA
2,439
68
100
54,000
223,500
Suffolk
Boston
MA
4,665
84
94
38,500
157,500
Tufts
Medford
MA
5,742
15
37
74,000
308,000
Wellesley
Wellesley
MA
2,399
22
57
59,500
242,500
Wentworth Tech
Boston
MA
3,904
69
100
45,000
184,000
Western New England
Springfield
MA
2,580
85
97
38,500
156,000
Westfield State
Westfield
MA
4,250
87
43
23,000
95,500
Wheaton
Norton
MA
1,764
74
99
30,000
120,000
Williams
Williamstown
MA
2,043
13
51
53,000
221,000
Worcester Polytechnic Institute
Worcester
MA
4,642
49
99
50,000
209,000
Worcester State
Worcester
MA
4,078
66
50
25,500
105,500
Dartmouth
Hanover
NH
4,401
8
47
64,500
264,000
Southern New Hampshire U
Manchester
NH
27,372
88
33
37,000
147,000
New Hampshire
Durham
NH
11,960
84
85
46,000
187,500
Keene State
Keene
NH
3,279
88
95
31,500
127,500
Plymouth State
Plymouth
NH
3,659
85
98
29,000
118,500
St Anselm
Manchester
NH
2,014
75
99
43,000
174,000
Montclair State
Montclair
NJ
14,859
76
38
34,000
138,000
Rutgers
New Brunswick
NJ
34,285
61
40
51,000
205,000
Columbia
New York
NY
7,701
5
52
56,500
229,500
Cornell
Ithaca
NY
15,038
11
46
68,000
278,000
CUNY Hunter
New York
NY
12,991
35
17
30,500
125,000
Fordham
Bronx
NY
9,229
46
90
51,500
209,500
Ithaca
Ithaca
NY
5,739
73
95
44,000
180,000
Marist
Poughkeepsie
NY
5,199
49
89
56,000
229,000
NYU
New York
NY
25,872
16
46
71,000
291,000
Pace
New York
NY
7,837
79
97
42,500
171,000
Rensselaer Polytechnic
Troy
NY
6,218
47
84
48,000
196,000
Rochester Inst of Tech
Rochester
NY
12,254
71
94
52,000
211,500
Rochester U
Rochester
NY
6,410
30
77
59,500
243,000
St John's
Queens
NY
11,525
72
100
38,000
152,000
SUNY at Albany
Albany
NY
12,568
54
65
43,000
174,000
Binghamton
Binghamton
NY
13,845
41
51
40,000
162,500
Buffalo
Buffalo
NY
20,401
61
69
40,000
160,500
Stony Brook
Stony Brook
NY
16,697
44
69
40,000
165,500
Syracuse
Syracuse
NY
14,727
44
79
49,000
202,500
Penn State
University Park
PA
66,409
54
43
53,000
215,000
Temple
Philadelphia
PA
26,247
60
79
43,000
176,000
Brown
Providence
RI
6,826
7
43
55,000
227,000
Bryant
Smithfield
RI
3,349
71
96
47,000
193,000
Johnson & Wales-Providence
Providence
RI
5,767
93
99
37,000
150,500
New England Inst of Techn
Warwick
RI
2,031
63
88
38,500
158,500
Providence
Providence
RI
3,891
47
66
55,500
227,500
Rhode Island College
Providence
RI
4,942
78
54
40,000
164,500
Rhode Island CC
Warwick
RI
6,088
100
47
23,500
48,000
Rhode Island
Kingston
RI
12,596
75
86
39,500
161,000
Rhode Isl School of Design
Providence
RI
2,009
26
38
73,500
299,500
Roger Williams
Bristol
RI
4,022
85
98
42,500
173,000
Salve Regina
Newport
RI
2,091
74
99
38,500
157,000
Champlain
Burlington
VT
2,447
85
99
37,500
152,000
Middlebury
Middlebury
VT
2,556
15
50
65,000
265,500
Norwich
Northfield
VT
2,643
75
100
33,500
133,500
Vermont
Burlington
VT
10,501
67
93
48,500
198,500
2022-23 projected average net cost for selected colleges including both in- and out-of-state schools.
Scenario
Students with families with an average of $300,000 in annual income, $950,000 in financial assets and home equity of approximately $350,000 (in line with data from Federal Reserve Survey of Consumer Finances).
College City State Full-time students Admissions % % students paying discounted tuition Avg. annual net cost Total cost of degree
Bridgeport
Bridgeport
CT
2,132
55
99
29,000
116,500
Central Connecticut
New Britain
CT
7,253
66
70
41,500
170,000
UConn
Storrs
CT
18,229
49
61
49,500
199,000
Eastern Connecticut
Willimantic
CT
4,063
64
81
44,500
181,500
Fairfield
Fairfield
CT
4,160
57
94
54,500
221,000
Hartford
West Hartford
CT
4,247
76
98
35,500
144,000
New Haven Univ
West Haven
CT
4,625
83
99
40,500
164,500
Post
Waterbury
CT
2,293
97
45
11,000
45,500
Quinnipiac
Hamden
CT
6,543
70
99
46,500
190,500
Sacred Heart
Fairfield
CT
5,348
64
98
45,500
185,000
Southern Connecticut
New Haven
CT
6,801
69
24
41,000
167,000
Trinity
Hartford
CT
2,128
33
51
0
0
Wesleyan
Middletown
CT
2,937
16
41
76,500
312,500
Western Connecticut
Danbury
CT
4,074
76
61
44,000
179,000
Yale
New Haven
CT
6,088
6
56
80,500
326,500
George Washington
Washington
DC
11,102
41
75
75,000
306,000
Univ of Tampa
Tampa
FL
8,441
45
91
31,500
128,500
Bates
Lewiston
ME
1,820
12
40
76,000
312,000
Bowdoin
Brunswick
ME
1,834
9
51
60,000
244,000
Colby
Waterville
ME
2,003
10
43
74,500
305,000
Maine
Orono
ME
8,060
90
99
32,500
133,000
University of New England
Biddeford
ME
2,425
84
100
45,000
186,000
Southern Maine CC
South Portland
ME
2,347
100
33
19,500
39,500
Southern Maine
Portland
ME
4,062
81
90
29,500
118,500
American International
Springfield
MA
1,272
65
100
36,000
148,500
Amherst
Amherst
MA
1,839
11
62
78,500
323,000
Assumption
Worcester
MA
1,946
81
100
34,500
139,000
Babson
Wellesley
MA
2,386
26
43
74,000
308,000
Bay Path
Longmeadow
MA
1,165
72
95
46,500
194,500
Becker
Worcester
MA
1,469
70
100
42,000
175,500
Bentley
Waltham
MA
4,177
47
75
67,000
277,500
Berklee School of Music
Boston
MA
5,041
51
45
46,000
188,000
Boston College
Chestnut Hill
MA
9,666
27
44
70,500
294,000
Boston University
Boston
MA
16,978
19
49
76,500
315,000
Brandeis
Waltham
MA
3,673
30
65
78,500
327,000
Bridgewater State
Bridgewater
MA
7,681
88
40
27,500
113,500
Bristol CC
Fall River
MA
2,971
100
1
12,000
24,500
Bunker Hill CC
Boston
MA
4,053
100
26
14,500
29,000
Clark
Worcester
MA
2,281
53
93
46,000
192,000
Curry
Milton
MA
1,969
87
100
32,500
128,500
Dean
Franklin
MA
1,184
69
95
33,500
138,500
Emerson
Boston
MA
3,827
33
75
73,500
305,000
Emmanuel
Boston
MA
1,953
78
100
33,500
137,000
Endicott
Beverly
MA
2,809
69
93
40,500
165,500
Fitchburg State
Fitchburg
MA
3,164
88
59
24,500
101,500
Framingham State
Framingham
MA
3,376
74
51
25,500
106,000
Gordon
Wenham
MA
1,440
74
96
36,000
144,500
Hampshire
Amherst
MA
745
2
99
67,500
277,000
Harvard
Cambridge
MA
7,148
5
57
80,500
337,500
College of the Holy Cross
Worcester
MA
2,931
34
65
73,000
300,500
Holyoke CC
Holyoke
MA
1,998
100
31
17,000
34,000
Lasell
Newton
MA
1,604
84
97
29,500
119,500
Lesley
Cambridge
MA
1,599
75
98
42,000
176,500
UMass-Lowell
Lowell
MA
10,862
73
77
33,000
136,000
UMass
Amherst
MA
22,491
64
82
34,000
141,500
UMass-Boston
Boston
MA
9,995
76
75
24,000
100,500
Massachusetts Bay CC
Wellesley Hills
MA
1,451
100
3
17,000
34,500
MCPHS University
Boston
MA
3,843
85
99
47,500
196,000
Mass College of Art and Design
Boston
MA
1,682
58
90
33,000
137,000
MIT
Cambridge
MA
4,501
7
60
73,000
294,500
Massachusetts Maritime Academy
Buzzards Bay
MA
1,616
91
43
28,000
117,000
Massasoit CC
Brockton
MA
2,495
100
21
14,000
28,000
Merrimack
North Andover
MA
3,885
82
99
43,000
176,000
Middlesex CC
Bedford
MA
2,446
100
24
15,500
31,000
Mount Holyoke
South Hadley
MA
2,157
38
73
73,000
304,500
Mount Wachusett CC
Gardner
MA
1,218
100
24
16,500
33,500
Nichols
Dudley
MA
1,217
80
100
32,500
131,500
Massachusetts Coll of Liberal Arts
North Adams
MA
1,145
82
88
23,000
95,000
North Shore CC
Danvers
MA
1,915
100
32
19,000
38,500
Northeastern
Boston
MA
14,156
18
75
75,500
315,000
Northern Essex CC
Haverhill
MA
1,595
100
8
19,500
39,000
Our Lady of the Elms
Chicopee
MA
997
75
100
32,500
132,500
Quincy
Quincy
MA
1,209
100
0
16,000
32,000
Quinsigamond CC
Worcester
MA
2,453
100
29
11,000
22,500
Regis
Weston
MA
1,124
79
100
33,500
139,000
Salem State
Salem
MA
4,997
86
70
26,500
110,000
Simmons
Boston
MA
1,607
73
100
40,500
167,000
Smith
Northampton
MA
2,519
32
67
78,000
314,500
Springfield College
Springfield
MA
2,158
68
99
37,500
150,000
Springfield Tech CC
Springfield
MA
2,177
100
38
17,500
35,000
UMass-Dartmouth
North Dartmouth
MA
5,465
75
93
28,000
117,500
Stonehill
Easton
MA
2,439
68
100
54,000
223,500
Suffolk
Boston
MA
4,665
84
94
44,000
180,000
Tufts
Medford
MA
5,742
15
37
78,000
324,000
Wellesley
Wellesley
MA
2,399
22
57
74,000
302,000
Wentworth Tech
Boston
MA
3,904
69
100
45,000
184,000
Western New England
Springfield
MA
2,580
85
97
38,500
156,000
Westfield State
Westfield
MA
4,250
87
43
23,000
95,500
Wheaton
Norton
MA
1,764
74
99
36,000
142,500
Williams
Williamstown
MA
2,043
13
51
77,500
324,500
Worcester Polytechnic Institute
Worcester
MA
4,642
49
99
50,000
209,000
Worcester State
Worcester
MA
4,078
66
50
25,500
105,500
Dartmouth
Hanover
NH
4,401
8
47
77,000
315,500
Southern New Hampshire U
Manchester
NH
27,372
88
33
37,000
147,000
New Hampshire
Durham
NH
11,960
84
85
46,000
187,500
Keene State
Keene
NH
3,279
88
95
31,500
127,500
Plymouth State
Plymouth
NH
3,659
85
98
29,000
118,500
St Anselm
Manchester
NH
2,014
75
99
49,000
200,000
Montclair State
Montclair
NJ
14,859
76
38
34,000
138,000
Rutgers
New Brunswick
NJ
34,285
61
40
51,000
205,000
Columbia
New York
NY
7,701
5
52
80,500
327,000
Cornell
Ithaca
NY
15,038
11
46
78,000
318,000
CUNY Hunter
New York
NY
12,991
35
17
30,500
125,000
Fordham
Bronx
NY
9,229
46
90
59,500
241,500
Ithaca
Ithaca
NY
5,739
73
95
47,500
193,000
Marist
Poughkeepsie
NY
5,199
49
89
56,000
229,000
NYU
New York
NY
25,872
16
46
77,000
314,000
Pace
New York
NY
7,837
79
97
42,500
172,500
Rensselaer Polytechnic
Troy
NY
6,218
47
84
68,500
281,000
Rochester Inst of Tech
Rochester
NY
12,254
71
94
67,500
275,000
Rochester U
Rochester
NY
6,410
30
77
77,500
315,500
St John's
Queens
NY
11,525
72
100
46,000
185,500
SUNY at Albany
Albany
NY
12,568
54
65
43,000
174,000
Binghamton
Binghamton
NY
13,845
41
51
46,500
188,000
Buffalo
Buffalo
NY
20,401
61
69
41,500
168,000
Stony Brook
Stony Brook
NY
16,697
44
69
40,000
165,500
Syracuse
Syracuse
NY
14,727
44
79
63,500
261,500
Penn State
University Park
PA
66,409
54
43
54,500
221,000
Temple
Philadelphia
PA
26,247
60
79
43,000
176,000
Brown
Providence
RI
6,826
7
43
79,000
324,500
Bryant
Smithfield
RI
3,349
71
96
47,000
193,000
Johnson & Wales-Providence
Providence
RI
5,767
93
99
41,000
167,000
New England Inst of Techn
Warwick
RI
2,031
63
88
38,500
158,500
Providence
Providence
RI
3,891
47
66
70,000
287,500
Rhode Island College
Providence
RI
4,942
78
54
40,000
164,500
Rhode Island CC
Warwick
RI
6,088
100
47
23,500
48,000
Rhode Island
Kingston
RI
12,596
75
86
39,500
161,000
Rhode Isl School of Design
Providence
RI
2,009
26
38
73,500
301,000
Roger Williams
Bristol
RI
4,022
85
98
42,500
173,000
Salve Regina
Newport
RI
2,091
74
99
38,500
157,000
Champlain
Burlington
VT
2,447
85
99
40,000
162,000
Middlebury
Middlebury
VT
2,556
15
50
77,000
315,500
Norwich
Northfield
VT
2,643
75
100
33,500
133,500
Vermont
Burlington
VT
10,501
67
93
48,500
198,500
2022-23 projected average net cost for selected colleges including both in- and out-of-state schools.
National Online Colleges
Online education has been a growing trend in undergraduate education and is expected to increase in the future. Most of the schools included in this report have portions of their traditional class load presented online. Several large national online colleges have established themselves. Most popular among older undergraduates, these colleges are accessible to all students wherever they live. The list below provides details about these schools and their costs. These schools are almost all open admission, often with rolling classes that allow students to start their degrees weeks after applying.
wdt_ID | Name | Location | Number of Undergraduates (total) | Number of Undergraduates (online only) | 2020 Tuition & fees, In-state | 2020 tuition & fees, Out-of-state |
---|---|---|---|---|---|---|
1 | Western Governors | UT | 88,921 | 88,921 | 7,100 | 7,100 |
2 | Southern New Hampshire | NH | 82,693 | 76,904 | 9,600 | 9,600 |
3 | American Public University | WV | 37,746 | 37,746 | 9,200 | 9,200 |
4 | Maryland- Global Campus | MD | 47,253 | 36,385 | 9,325 | 15,295 |
5 | Grand Canyon University | AZ | 54,139 | 36,273 | 14,750 | 14,750 |
6 | Liberty University | VA | 45,935 | 32,614 | 12,098 | 12,098 |
7 | Strayer | Multiple | 34,395 | 30,789 | 14,930 | 14,930 |
8 | Arizona Global Campus | CA | 28,701 | 28,701 | 16,450 | 16,450 |
9 | Purdue Global | IA | 97,404 | 26,505 | 13,290 | 17,385 |
10 | Brigham Young-Idaho | ID | 42,341 | 21,171 | 1,920 | 1,920 |

Glossary
Cost of Attendance – Full tuition, room, board, fees and an estimate of supplies. The maximum a student can receive or borrow from a Federal Title IV program is the cost of attendance at the college where they enroll.
Federal student financing– Classified as Title IV aid, the US Department of Education finances higher education through several programs, some which obligate the borrower to repay the amount (loans) and some that do not need to be repaid (grants). Loans made through this program are NOT dischargeable in bankruptcy. Major federal programs include:
Pell Grants – Up to $6,345 in 2020/21 calculated based on the student’s FAFSA filing EFC. The lower your EFC, the more in Pell Grants you can receive. Generally, families with incomes below about $90,000 will be eligible for Pell Grants, with declining amount of grants as income and assets increase.
Direct Subsidized Loans – Loans from the federal government that do not accrue interest while the student is enrolled in college and begin to accrue interest when the student graduates or leaves school. In 2020/21, Direct Subsidized Loans charged an interest rate of 2.75%, which is fixed for the life of the loan, and had relatively low maximum amounts and a low 1.1% upfront cost. These loans are not dischargeable in bankruptcy.
Direct Unsubsidized Loans – Loans from the federal government that accrue interest while the student is enrolled in college. In 2020/21, Direct Unsubsidized Loans charged an interest rate of 2.75%, which is fixed for the life of the loan, and had relatively low maximum amounts and a low 1.1% upfront cost. These loans are not dischargeable in bankruptcy.
Direct PLUS loans – Loans from the federal government to the parent of the undergraduate. Larger amounts can be borrowed under this PLUS program compared to the Direct Subsidized and Unsubsidized programs described above, covering need up to the Cost of Attendance. In 2020/21, Direct Subsidized and Unsibsidized Loans charged an interest rate of 7.1%, which is fixed for the life of the loan. The loan costs 4.2% upfront, so add that amount to your college costs if you borrow using this program. These loans are not dischargeable in bankruptcy.
Full tuition – The maximum a college has decided to charge its undergraduates. Colleges often lower the actual cost on a student-by-student basis for the reasons stated earlier.
Room & board – Traditional undergraduate education usually includes on-campus lodging and meals. This room and board is included in the net cost found here. Schools also provide estimates of room, board and living costs for students living off campus. These estimates vary widely even for colleges close to one other.