Kirtland Community College
Grayling, MI
Affordability & debt
- Average net price
- $7,456per year, after aid
- Undergraduates with a federal loan
- 27%
- Undergraduates receiving a Pell grant
- 36%need-based, not repaid
- Typical debt at graduation
- $13,067federal loans, students who finished
- Reducing their balance within 3 years
- 43%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $13,067. At 7% over 10 years — the standard federal plan — that is roughly $152 a month, about $18,206 repaid in total, of which $5,139 is interest.
Stretch the same balance over 25 years and the payment drops to $92 a month — but the total climbs to $27,706, roughly $9,500 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.
Kirtland 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
- $5,190published rate
- Out-of-state tuition
- $9,870published 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
- $35,83110 years after entry
Median earnings of former students who received federal aid, measured 10 years after they started.
Campus life
- Campus setting
- Rural: Distant
Most common fields of study
- Liberal arts & humanities31%
- Health professions25%
- Mechanic & repair technologies11%
- Business & marketing9%
- Precision production8%
- Homeland security & law enforcement8%
Share of degrees awarded, by broad field.
Athletics
NJCAA Division II
- Basketball
- Bowling
- Cross Country
- Golf
- Track and Field
What borrowing would really cost
Starting from the typical debt at Kirtland Community College. Change any figure to see your own.
Standard plan — 10 years
$152per month
- Total repaid
- $18,206
- Interest paid
- $5,139
Longer term — 25 years
$92per month
- Total repaid
- $27,706
- Interest paid
- $14,639
Borrow $13,067 and repay it over 25 years instead of 10, and you pay $9,500 more — $27,706 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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