Baptist University of Florida

Graceville, FL

Private nonprofit small campus Rural: Distant 360 undergrads

Affordability & debt

Average net price
$10,372per year, after aid
Undergraduates with a federal loan
19%
Undergraduates receiving a Pell grant
40%need-based, not repaid
Typical debt at graduation
$23,590federal loans, students who finished
Reducing their balance within 3 years
56%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $23,590. At 7% over 10 years — the standard federal plan — that is roughly $274 a month, about $32,868 repaid in total, of which $9,278 is interest.

Stretch the same balance over 25 years and the payment drops to $167 a month — but the total climbs to $50,019, roughly $17,151 more in interest. A smaller payment is not a smaller loan.

An estimate, not financial advice: straight amortization at a fixed rate, ignoring fees, interest accrued while enrolled, and any forgiveness or income-driven plan. Figures on this page are averages and medians — what any one family borrows and pays varies widely. Try your own numbers.

Baptist University of Florida’s net price calculator — every college is required to publish one. It is the only way to get a cost estimate based on your family’s own finances rather than an average.

Published tuition

In-state tuition
$15,000published rate
Out-of-state tuition
$15,000published rate

The sticker price before any aid. Most students pay less than this — the net price above is what aided students actually paid on average.

Admissions

Acceptance rate
36%
Average ACT
20of admitted students

Context for the class as a whole, not a prediction about any one applicant.

Outcomes

Median earnings
$42,83610 years after entry

Median earnings of former students who received federal aid, measured 10 years after they started.

Campus life

Campus setting
Rural: Distant
Residential character
Primarily residential — many students live on campus
Religious affiliation
Southern Baptist

Most common fields of study

  • Theology & religious vocations53%
  • Liberal arts & humanities16%
  • Education10%
  • Business & marketing8%
  • History6%
  • Visual & performing arts6%

Share of degrees awarded, by broad field.

What borrowing would really cost

Starting from the typical debt at Baptist University of Florida. Change any figure to see your own.

Federal undergraduate loans have recently been near 7%. Private loans are often higher.

Standard plan — 10 years

$274per month

Total repaid
$32,868
Interest paid
$9,278

Longer term — 25 years

$167per month

Total repaid
$50,019
Interest paid
$26,429

Borrow $23,590 and repay it over 25 years instead of 10, and you pay $17,151 more — $50,019 in all, about 2.1× what you borrowed. The monthly payment is smaller; the loan is not.

An estimate, not financial advice. Straight amortization at a fixed rate: it assumes every payment is made on time and the rate never changes, and it leaves out fees, interest that accrues while you’re still enrolled, and any forgiveness or income-driven plan. Planning4College is not a financial advisor and sells no loans. Check real terms with your school’s financial aid office and studentaid.gov.

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Data from the U.S. Department of Education’s College Scorecard and the Equity in Athletics survey. Figures reflect the most recent reporting year available and may be out of date or incomplete — confirm anything decision-critical with the college directly. Official site: Baptist University of Florida.