Finger Lakes Community College

Canandaigua, NY

Public midsize campus Rural: Fringe 2,980 undergrads

Affordability & debt

Average net price
$13,898per year, after aid
Undergraduates with a federal loan
26%
Undergraduates receiving a Pell grant
27%need-based, not repaid
Typical debt at graduation
$12,975federal loans, students who finished
Reducing their balance within 3 years
40%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $12,975. At 7% over 10 years — the standard federal plan — that is roughly $151 a month, about $18,078 repaid in total, of which $5,103 is interest.

Stretch the same balance over 25 years and the payment drops to $92 a month — but the total climbs to $27,511, roughly $9,433 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.

Finger Lakes Community 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
$6,234published rate
Out-of-state tuition
$8,418published 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
$40,05410 years after entry

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

Campus life

Campus setting
Rural: Fringe

Most common fields of study

  • Health professions15%
  • Business & marketing12%
  • Liberal arts & humanities12%
  • Computer & information sciences9%
  • Natural resources & conservation7%
  • Homeland security & law enforcement7%

Share of degrees awarded, by broad field.

Athletics

NJCAA Division III

  • Baseball
  • Basketball
  • Cross Country
  • Lacrosse
  • Soccer
  • Softball
  • Track and Field
  • Volleyball

What borrowing would really cost

Starting from the typical debt at Finger Lakes Community 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

$151per month

Total repaid
$18,078
Interest paid
$5,103

Longer term — 25 years

$92per month

Total repaid
$27,511
Interest paid
$14,536

Borrow $12,975 and repay it over 25 years instead of 10, and you pay $9,433 more — $27,511 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: Finger Lakes Community College.