Cost varies significantly by family income. Use the breakdown below to estimate your net price.
Cost Calculator
What You'll Pay at Howard Payne University
Select your family income to see your estimated cost
The Cost Formula
Tuition
$35K
+
Room
$10K
+
Books
$1,500
=
Sticker Price
$46,766
$35K+$10K+$1,500=$46,766
Your Family Income
Sticker
$46,766
−
Your Aid
$20,849
=
Net Price
$25,917
All Income Levels
Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
Howard Payne University Cost of Attendance and Financial Aid Summary
Cost Category
Amount
Total Cost of Attendance (Sticker Price)
$46,766
Tuition and Fees
$34,982
Room and Board
$10,200
Books and Supplies
$1,500
Average Financial Aid (Grants and Scholarships)
-$23,139
Average Net Price (What Families Pay)
$23,627
Howard Payne University Net Price by Family Income Level
Family Income
Net Price
$0–30k
$24,043
$30–48k
$21,423
$48–75k
$25,917
$75–110k
$23,412
$110k+
$24,182
Understanding Your Aid Package
Howard Payne University has a sticker price of $46,766 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: $46,766/year
Average aid: $23,139 in grants & scholarships
$48–75K families pay: ~$25,917/year
Low-income families: Pay ~$24,043/year
44% of students receive Pell Grants
Financial Aid Profile
💰
44%
Pell Grant Recipients
Lower-income students receiving federal aid
🎓
37%
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$26,793
Range (25th–75th)$5,500 – $23,500
Median Parent PLUS Loans$21,127
Debt Manageability
0.53x
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)
$48,376
Earnings Growth
+27%
6 → 10 years post-graduation
Value Added
+$-10,441
20th percentile among peers
Earnings Range (10yr post-graduation)
$33,222
25th %ile
$64,999
75th %ile
Frequently Asked Questions about Howard Payne University Cost & Financial Aid
Howard Payne University's published tuition is $46,766 per year. However, after financial aid, the average student pays $25,917—a difference of $20,849.
Families earning under $30,000 pay an average net price of $24,043 at Howard Payne University. 44% of students receive Pell Grants.
Howard Payne 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 Howard graduates is $26,793, resulting in estimated monthly payments of $284 over 10 years.
Even families earning over $110,000 pay an average net price of $24,182 at Howard—still $22,584 less than the sticker price. Most families qualify for some form of aid.
