Reading Area Community College
Reading, PA
Affordability & debt
- Average net price
- $9,228per year, after aid
- Undergraduates with a federal loan
- 20%
- Undergraduates receiving a Pell grant
- 35%need-based, not repaid
- Typical debt at graduation
- $8,750federal loans, students who finished
- Reducing their balance within 3 years
- 32%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $8,750. At 7% over 10 years — the standard federal plan — that is roughly $102 a month, about $12,191 repaid in total, of which $3,441 is interest.
Stretch the same balance over 25 years and the payment drops to $62 a month — but the total climbs to $18,553, roughly $6,362 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.
Reading Area 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
- $6,480published rate
- Out-of-state tuition
- $12,510published 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
- $39,08210 years after entry
Median earnings of former students who received federal aid, measured 10 years after they started.
Campus life
- Campus setting
- City: Small
Most common fields of study
- Health professions22%
- Business & marketing20%
- Liberal arts & humanities12%
- Family & consumer sciences11%
- Computer & information sciences8%
- Psychology7%
Share of degrees awarded, by broad field.
What borrowing would really cost
Starting from the typical debt at Reading Area Community College. Change any figure to see your own.
Standard plan — 10 years
$102per month
- Total repaid
- $12,191
- Interest paid
- $3,441
Longer term — 25 years
$62per month
- Total repaid
- $18,553
- Interest paid
- $9,803
Borrow $8,750 and repay it over 25 years instead of 10, and you pay $6,362 more — $18,553 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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