Cost varies significantly by family income. Use the breakdown below to estimate your net price.
Cost Calculator
What You'll Pay at Philander Smith University
Select your family income to see your estimated cost
The Cost Formula
Tuition
$13K
+
Room
$10K
+
Books
$1,200
=
Sticker Price
$28,136
$13K+$10K+$1,200=$28,136
Your Family Income
Sticker
$28,136
−
Your Aid
$11,450
=
Net Price
$16,686
All Income Levels
Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
Philander Smith University Cost of Attendance and Financial Aid Summary
Cost Category
Amount
Total Cost of Attendance (Sticker Price)
$28,136
Tuition and Fees
$13,014
Room and Board
$10,000
Books and Supplies
$1,200
Average Financial Aid (Grants and Scholarships)
-$13,912
Average Net Price (What Families Pay)
$14,224
Philander Smith University Net Price by Family Income Level
Family Income
Net Price
$0–30k
$13,393
$30–48k
$14,606
$48–75k
$16,686
$75–110k
$12,847
$110k+
$15,800
Understanding Your Aid Package
Philander Smith University has a sticker price of $28,136 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: $28,136/year
Average aid: $13,912 in grants & scholarships
$48–75K families pay: ~$16,686/year
Low-income families: Pay ~$13,393/year
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$24,736
Range (25th–75th)$5,500 – $27,000
Median Parent PLUS Loans$14,370
Debt Manageability
0.59x
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)
$38,427
Earnings Growth
+52%
6 → 10 years post-graduation
Value Added
+$-505
56th percentile among peers
Earnings Range (10yr post-graduation)
$19,226
25th %ile
$51,858
75th %ile
Frequently Asked Questions about Philander Smith University Cost & Financial Aid
Philander Smith University's published tuition is $28,136 per year. However, after financial aid, the average student pays $16,686—a difference of $11,450.
Families earning under $30,000 pay an average net price of $13,393 at Philander Smith University. 68% of students receive Pell Grants.
Philander Smith 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 Philander graduates is $24,736, resulting in estimated monthly payments of $262 over 10 years.
Even families earning over $110,000 pay an average net price of $15,800 at Philander—still $12,336 less than the sticker price. Most families qualify for some form of aid.
