Cost Details
- In-State Tuition
- $24,888
- Out-of-State Tuition
- $24,888
- Average Net Price
- $20,579
- Students Receiving Financial Aid
- 19.2%
- Room & Board (On Campus)
- $9,940
- Room & Board (Off Campus)
- $8,924
- Books & Supplies
- $512
- Total Cost of Attendance
- $35,340
- Median Debt at Graduation
- $26,500
- Estimated Monthly Loan Payment
- $281/mo
- Loan Repayment Rate
- 72.8%
- Students Taking Federal Loans
- 39.5%
- Pell Grant Recipients
- 19.2%
Net Price by Family Income
Average annual net price after grants and scholarships. Source: U.S. Department of Education
| Family Income | Average Net Price |
|---|---|
| $0 – $30,000 | $16,473 |
| $30,001 – $48,000 | $16,466 |
| $48,001 – $75,000 | $18,528 |
| $75,001 – $110,000 | $22,084 |
| $110,001+ | $23,563 |
Cost Estimator
Cost Overview
Most Harding families pay around $20,579 annually after aid, not the $35,340 sticker price. Low-income students (under $30,000) pay just $16,473 per year, while wealthy families ($110,000+) still get discounts at $23,563. Over four years, expect to spend roughly $82,000 to $94,000 depending on your family's finances.
The 72.77% loan repayment rate shows graduates can handle their debt reasonably well. Typical borrowers face $281 monthly payments on $26,500 in debt. That monthly burden represents about 6% of the median $52,876 salary ten years out, which is manageable for most careers. Students from modest backgrounds get the strongest value here, paying less than half the advertised cost while accessing Harding's Christian liberal arts programs and tight-knit community of 3,323 students.
The 72.77% loan repayment rate shows graduates can handle their debt reasonably well. Typical borrowers face $281 monthly payments on $26,500 in debt. That monthly burden represents about 6% of the median $52,876 salary ten years out, which is manageable for most careers. Students from modest backgrounds get the strongest value here, paying less than half the advertised cost while accessing Harding's Christian liberal arts programs and tight-knit community of 3,323 students.
Official Net Price Calculator
Get a personalized cost estimate from Harding University:
Visit Official Net Price CalculatorThis links to the school's federally-required net price calculator for a personalized estimate.