Charter Oak State College
New Britain, CT
Affordability & debt
- Average net price
- $15,815per year, after aid
- Undergraduates with a federal loan
- 45%
- Undergraduates receiving a Pell grant
- 44%need-based, not repaid
- Typical debt at graduation
- $18,683federal loans, students who finished
- Reducing their balance within 3 years
- 52%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $18,683. At 7% over 10 years — the standard federal plan — that is roughly $217 a month, about $26,031 repaid in total, of which $7,348 is interest.
Stretch the same balance over 25 years and the payment drops to $132 a month — but the total climbs to $39,614, roughly $13,583 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.
Charter Oak State 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
- $8,506published rate
- Out-of-state tuition
- $8,506published 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
- $64,20910 years after entry
Median earnings of former students who received federal aid, measured 10 years after they started.
Campus life
- Campus setting
- Suburb: Large
- Residential character
- Primarily commuter — most students live off campus
Most common fields of study
- Health professions21%
- Business & marketing19%
- Liberal arts & humanities18%
- Family & consumer sciences12%
- Homeland security & law enforcement11%
- Education9%
Share of degrees awarded, by broad field.
What borrowing would really cost
Starting from the typical debt at Charter Oak State College. Change any figure to see your own.
Standard plan — 10 years
$217per month
- Total repaid
- $26,031
- Interest paid
- $7,348
Longer term — 25 years
$132per month
- Total repaid
- $39,614
- Interest paid
- $20,931
Borrow $18,683 and repay it over 25 years instead of 10, and you pay $13,583 more — $39,614 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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