Cost varies significantly by family income. Use the breakdown below to estimate your net price.
Cost Calculator
What You'll Pay at Harding University
Select your family income to see your estimated cost
The Cost Formula
Tuition
$26K
+
Room
$9K
+
Books
$598
=
Sticker Price
$39,534
$26K+$9K+$598=$39,534
Your Family Income
Sticker
$39,534
−
Your Aid
$19,702
=
Net Price
$19,832
All Income Levels
Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
Harding University Cost of Attendance and Financial Aid Summary
Cost Category
Amount
Total Cost of Attendance (Sticker Price)
$39,534
Tuition and Fees
$26,262
Room and Board
$9,060
Books and Supplies
$598
Average Financial Aid (Grants and Scholarships)
-$17,404
Average Net Price (What Families Pay)
$22,130
Harding University Net Price by Family Income Level
Family Income
Net Price
$0–30k
$15,418
$30–48k
$17,430
$48–75k
$19,832
$75–110k
$22,017
$110k+
$26,284
Understanding Your Aid Package
Harding University has a sticker price of $39,534 per year, but most students pay significantly less after financial aid. The actual cost depends heavily on your family's income level.
Key Facts
Sticker price: $39,534/year
Average aid: $17,404 in grants & scholarships
$48–75K families pay: ~$19,832/year
Low-income families: Pay ~$15,418/year
24% of students receive Pell Grants
Financial Aid Profile
💰
24%
Pell Grant Recipients
Lower-income students receiving federal aid
🎓
21%
First-Generation Students
Parents without bachelor's degree
Get personalized cost estimates and assess whether borrowing makes sense.
How much students borrow and whether debt is manageable given outcomes.
Typical Debt
Median Student Debt$26,500
Range (25th–75th)$8,020 – $29,500
Median Parent PLUS Loans$27,785
Debt Manageability
0.50x
Debt-to-Earnings Ratio
Debt is moderate relative to earnings. Manageable for most graduates, but higher-debt borrowers should plan carefully.
3-Year Default Rate0.0%
Return on Investment
How cost compares to graduate earnings and value added.
Median Earnings (10yr)
$52,876
Earnings Growth
+21%
6 → 10 years post-graduation
Value Added
+$-17,331
8th percentile among peers
Earnings Range (10yr post-graduation)
$34,804
25th %ile
$76,562
75th %ile
Frequently Asked Questions about Harding University Cost & Financial Aid
Harding University's published tuition is $39,534 per year. However, after financial aid, the average student pays $19,832—a difference of $19,702.
Families earning under $30,000 pay an average net price of $15,418 at Harding University. 24% of students receive Pell Grants.
Harding University offers merit-based scholarships for academic achievement, in addition to need-based financial aid. Contact the financial aid office for specific scholarship opportunities.
The median debt for Harding University graduates is $26,500, resulting in estimated monthly payments of $281 over 10 years.
Even families earning over $110,000 pay an average net price of $26,284 at Harding University—still $13,250 less than the sticker price. Most families qualify for some form of aid.
