Cost & financial aid brief
Bethune-Cookman University Tuition, Costs & Financial Aid
How much does Bethune-Cookman University cost after financial aid?
For the average aid recipient, the difference between published cost and average net price is $17,734. Aid covers about 60% of the published cost for the average aid recipient.
In its 2024-25 Common Data Set, the university reported an average 66% of need met among first-year aid recipients with need. Average need-based grants were $17,034, and average packages were $19,832.
Of 667 first-year students determined to have financial need, 40 had need fully met. In the 2024-25 academic year, merit aid went to 33 first-year students and averaged $10,832.
Across the income bands, average net prices are $10,896, $11,487, $14,346, $17,882, and $18,654, from the lowest to highest band. Lower prices at lower family incomes show a pattern of more aid directed toward those bands, not an individual aid promise.
The published cost of attendance at Bethune-Cookman University is $29,764, so aid makes a large difference to the price families face. Average net price, what aid recipients pay after grants and scholarships, is $10,896 for the lowest family-income band, $11,487 for the lower-middle band, $14,346 for the middle band, $17,882 for the upper-middle band, and $18,654 for the highest band.
The spread between the lowest and highest bands is $7,758. Azimuth ranks the university #655 for affordability among nonprofit four-year institutions.
Aid covers about 60% of the published cost for the average aid recipient, an average offset of $17,734. Across aid recipients, the average net price is $12,030, alongside published tuition and fees of $14,794 and room and board of $10,396.
That average net price is $15,341 below the peer median of $27,371 at comparable institutions (same type and size). The aid offset and lower peer price point in the same direction.
For borrowers who completed, median federal student loan debt is $31,000, and 92.8% of federal aid recipients borrow federal loans. The peer median debt is $24,199 at comparable institutions (same type and size), putting the university $6,801 above that figure.
That debt corresponds to an estimated payment of $352 a month if repaid over ten years. Median Parent PLUS borrowing is $29,770.
Student loans: what does repayment look like?
Median federal student loan debt for borrowers who complete is $31,000. Nearly all undergraduates borrow through federal programs: the borrower share is 92.8%.
That median sits $6,801 above the peer median of $24,199 for comparable institutions (same type and size). Median Parent PLUS borrowing, a separate parent-borrower population, is $29,770.
In its 2024-25 Common Data Set, the university reported that 82% of graduates borrowed from any source, including 81% with federal loans averaging $29,686. Average cumulative borrowing was $32,105 per borrower. Private loans averaged $21,886 among the 10% of graduates who held them.
For Bethune-Cookman University, the investment picture pairs low earnings four years after completion with earnings that exceed expectation. Federally aided completers who are working and not enrolled earn median earnings of $46,007 four years after completion.
Azimuth places that earnings figure in the 11th percentile among nonprofit four-year institutions. Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, offer a separate measure.
Graduates earn about $2,099 more than the model expects for similar students. Azimuth places that measure in the 63rd percentile among nonprofit four-year institutions.
Earnings scenarios put earnings at $34,284 in a downside case, $46,007 in a typical case, and $63,744 in an upside case. Median federal debt of $31,000 is $6,801 above the $24,199 peer median for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $352 a month if repaid over ten years. The return picture is mixed: earnings exceed the model, but the debt comparison is less favorable.
Parent borrowers have median Parent PLUS borrowing of $29,770, a separate population from student federal-loan borrowers. For borrowers with median federal student debt, that debt corresponds to an estimated payment of $352 a month if repaid over ten years.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $29,770
- Estimated parent payment
- $378/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $31,000
- Institution Parent PLUS debt
- $29,770
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $352/mo
- Estimated Parent PLUS payment · monthly
- $378/mo
- Modeled student + parent payments
- $730/mo
Payments use school-wide median balances, not a specific major’s.
Student payment as a share of available income
At median graduate earnings of $46,007, with a $22,590 annual allowance for basic expenses:
18.0% of income above the allowance · Concerning
- Excellent Under 8%
- Good 8–under 12%
- Concerning 12–20% · selected scenario
- High risk Over 20%
How this estimate works
These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $22,590, uses the published framework’s 2024 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.
Payment assumptions
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, founder of College Azimuth.
Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.
Figure notes link to sources and limitations. About College Azimuth.
Net price and borrowing. The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. College Scorecard data and documentation.
A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.