Bluegrass Community and Technical College

Lexington, KY

Public midsize campus City: Large 8,244 undergrads

Affordability & debt

Average net price
$6,113per year, after aid
Undergraduates with a federal loan
18%
Undergraduates receiving a Pell grant
33%need-based, not repaid
Typical debt at graduation
$10,500federal loans, students who finished
Reducing their balance within 3 years
31%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $10,500. At 7% over 10 years — the standard federal plan — that is roughly $122 a month, about $14,630 repaid in total, of which $4,130 is interest.

Stretch the same balance over 25 years and the payment drops to $74 a month — but the total climbs to $22,264, roughly $7,634 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.

Bluegrass Community and Technical College’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
$4,808published rate
Out-of-state tuition
$6,512published 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.

Outcomes

Median earnings
$36,34310 years after entry

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

Campus life

Campus setting
City: Large

Most common fields of study

  • Health professions26%
  • Liberal arts & humanities13%
  • Mechanic & repair technologies13%
  • Precision production11%
  • Computer & information sciences10%
  • Construction trades10%

Share of degrees awarded, by broad field.

What borrowing would really cost

Starting from the typical debt at Bluegrass Community and Technical College. Change any figure to see your own.

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

Standard plan — 10 years

$122per month

Total repaid
$14,630
Interest paid
$4,130

Longer term — 25 years

$74per month

Total repaid
$22,264
Interest paid
$11,764

Borrow $10,500 and repay it over 25 years instead of 10, and you pay $7,634 more — $22,264 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: Bluegrass Community and Technical College.