Earlham College
Richmond, IN
Affordability & debt
- Average net price
- $24,714per year, after aid
- Undergraduates with a federal loan
- 43%
- Undergraduates receiving a Pell grant
- 24%need-based, not repaid
- Typical debt at graduation
- $23,488federal loans, students who finished
- Reducing their balance within 3 years
- 78%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $23,488. At 7% over 10 years — the standard federal plan — that is roughly $273 a month, about $32,726 repaid in total, of which $9,238 is interest.
Stretch the same balance over 25 years and the payment drops to $166 a month — but the total climbs to $49,802, roughly $17,077 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.
Earlham 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
- $53,930published rate
- Out-of-state tuition
- $53,930published 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
- 73%
- Average SAT
- 1,219of admitted students
- Average ACT
- 28of admitted students
Context for the class as a whole, not a prediction about any one applicant.
Outcomes
- Median earnings
- $50,79710 years after entry
Median earnings of former students who received federal aid, measured 10 years after they started.
Campus life
- Campus setting
- Town: Distant
- Residential character
- Highly residential — most students live on campus
- Religious affiliation
- Friends
Most common fields of study
- Biological & biomedical sciences20%
- Psychology9%
- Business & marketing8%
- Social sciences7%
- Physical sciences6%
- Computer & information sciences5%
Share of degrees awarded, by broad field.
Athletics
NCAA Division III without football
- Baseball
- Basketball
- Cross Country
- Field Hockey
- Golf
- Lacrosse
- Soccer
- Softball
- Tennis
- Track and Field
- Volleyball
What borrowing would really cost
Starting from the typical debt at Earlham College. Change any figure to see your own.
Standard plan — 10 years
$273per month
- Total repaid
- $32,726
- Interest paid
- $9,238
Longer term — 25 years
$166per month
- Total repaid
- $49,802
- Interest paid
- $26,314
Borrow $23,488 and repay it over 25 years instead of 10, and you pay $17,077 more — $49,802 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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