Harding University's published cost of attendance is $39,534. Net price by income band reflects the institution's need-based aid structure: low-income families pay approximately $15,418, middle-income families pay around $19,832, and higher-income families pay approximately $26,284.
Select your family income to see your estimated cost
Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| 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 |
| Family Income | Net Price |
|---|---|
| $0–30k | $15,418 |
| $30–48k | $17,430 |
| $48–75k | $19,832 |
| $75–110k | $22,017 |
| $110k+ | $26,284 |
Harding University's published cost of attendance is $39,534. Net price by income band reflects the institution's need-based aid structure: low-income families pay approximately $15,418, middle-income families pay around $19,832, and higher-income families pay approximately $26,284. Azimuth ranks Harding University #962 for post-graduation affordability among nonprofit four-year institutions. Net prices by income band are medians within those bands; individual aid packages vary, so some families in each band pay more and some less than the figures shown. Harding University's aid structure is need-based, with financial aid distributed through federal (Pell Grants, Direct Loans), state, and institutional programs. Families apply using the FAFSA to determine eligibility and aid packages. The institution participates in standard federal aid programs and works with families to bridge the gap between published cost and net price through a combination of grants, loans, and work-study opportunities. Median federal student loan debt at graduation is $26,500, and families using Parent PLUS borrow a median of $27,785; private or institutional loans may add further borrowing that falls outside these federal-only figures — see the Parent PLUS risk framework for how household context shapes PLUS decisions. For a graduate at the institution's median four-year earnings of $53,024, median federal debt of $26,500 projects to a monthly payment of about $299 under standard ten-year repayment. For personalized projections across earnings scenarios — including Parent PLUS planning — use Azimuth's Financial GPS tool.
How much students borrow and whether debt is manageable given outcomes.
Debt-to-earnings data not available.
How cost compares to graduate earnings and value added.
Graduates of Harding University earn median 4-year earnings of $53,024, placing Harding University in the 12.8 percentile for median earnings four years after enrollment among nonprofit four-year institutions. Graduates earn about $17,331 less than similar students at comparable institutions, placing Harding University in the 8.1 percentile for earnings beyond expectations among nonprofit four-year institutions. Azimuth ranks Harding University #1206 for return on investment among nonprofit four-year institutions. The earnings pattern centers on business and professional fields that dominate Harding University's degree output. Teacher Education is the largest program with 69 graduates earning median 4-year earnings of $41,228, performing at 0.9x the national benchmark for the field. The Nursing program graduates 46 students earning median 4-year earnings of $71,872, while Business Administration delivers median 4-year earnings of $62,025 across 40 graduates. Psychology, General and Public Relations, Advertising, and Applied Communication round out the top programs, with graduates earning median 4-year earnings of $45,814 and $51,434 respectively. This concentration in Business — the institution's signature strength — helps explain the consistent earnings outcomes across Harding University's graduate cohort.
