Florida Gateway College
Lake City, FL
Affordability & debt
- Average net price
- $5,364per year, after aid
- Undergraduates with a federal loan
- 15%
- Undergraduates receiving a Pell grant
- 40%need-based, not repaid
- Typical debt at graduation
- $6,992federal loans, students who finished
- Reducing their balance within 3 years
- 39%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $6,992. At 7% over 10 years — the standard federal plan — that is roughly $81 a month, about $9,742 repaid in total, of which $2,750 is interest.
Stretch the same balance over 25 years and the payment drops to $49 a month — but the total climbs to $14,825, roughly $5,083 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.
Florida Gateway 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
- $3,100published rate
- Out-of-state tuition
- $11,747published 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
- $37,89410 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
- Primarily commuter — most students live off campus
Most common fields of study
- Liberal arts & humanities27%
- Health professions23%
- Homeland security & law enforcement18%
- Culinary & personal services7%
- Education5%
- Agriculture4%
Share of degrees awarded, by broad field.
Athletics
NJCAA Division II
- Basketball
- Cross Country
- Golf
- Softball
What borrowing would really cost
Starting from the typical debt at Florida Gateway College. Change any figure to see your own.
Standard plan — 10 years
$81per month
- Total repaid
- $9,742
- Interest paid
- $2,750
Longer term — 25 years
$49per month
- Total repaid
- $14,825
- Interest paid
- $7,833
Borrow $6,992 and repay it over 25 years instead of 10, and you pay $5,083 more — $14,825 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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