Germanna Community College

Locust Grove, VA

Public midsize campus Rural: Fringe 5,508 undergrads

Affordability & debt

Average net price
$5,541per year, after aid
Undergraduates with a federal loan
4%
Undergraduates receiving a Pell grant
27%need-based, not repaid
Typical debt at graduation
$8,400federal 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 $8,400. At 7% over 10 years — the standard federal plan — that is roughly $98 a month, about $11,704 repaid in total, of which $3,304 is interest.

Stretch the same balance over 25 years and the payment drops to $59 a month — but the total climbs to $17,811, roughly $6,107 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.

Germanna 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
$5,257published rate
Out-of-state tuition
$11,648published 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
$39,64410 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

  • Liberal arts & humanities55%
  • Health professions25%
  • Computer & information sciences6%
  • Business & marketing5%
  • Engineering technology3%
  • Engineering2%

Share of degrees awarded, by broad field.

What borrowing would really cost

Starting from the typical debt at Germanna 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

$98per month

Total repaid
$11,704
Interest paid
$3,304

Longer term — 25 years

$59per month

Total repaid
$17,811
Interest paid
$9,411

Borrow $8,400 and repay it over 25 years instead of 10, and you pay $6,107 more — $17,811 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: Germanna Community College.