Frank Phillips College

Borger, TX

Public small campus Town: Distant 623 undergrads

Affordability & debt

Average net price
$7,953per year, after aid
Undergraduates with a federal loan
4%
Undergraduates receiving a Pell grant
26%need-based, not repaid
Typical debt at graduation
$9,500federal loans, students who finished
Reducing their balance within 3 years
36%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $9,500. At 7% over 10 years — the standard federal plan — that is roughly $110 a month, about $13,236 repaid in total, of which $3,736 is interest.

Stretch the same balance over 25 years and the payment drops to $67 a month — but the total climbs to $20,143, roughly $6,907 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.

Frank Phillips 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
$3,712published rate
Out-of-state tuition
$4,882published 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
$37,17910 years after entry

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

Campus life

Campus setting
Town: Distant

Most common fields of study

  • Liberal arts & humanities39%
  • Engineering technology19%
  • Precision production18%
  • Health professions11%
  • Culinary & personal services9%
  • Mechanic & repair technologies3%

Share of degrees awarded, by broad field.

Athletics

NJCAA Division I

  • Baseball
  • Basketball
  • Rodeo
  • Softball
  • Volleyball

What borrowing would really cost

Starting from the typical debt at Frank Phillips 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

$110per month

Total repaid
$13,236
Interest paid
$3,736

Longer term — 25 years

$67per month

Total repaid
$20,143
Interest paid
$10,643

Borrow $9,500 and repay it over 25 years instead of 10, and you pay $6,907 more — $20,143 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: Frank Phillips College.