St Cloud Technical and Community College

Saint Cloud, MN

Public midsize campus City: Small 3,113 undergrads

Affordability & debt

Average net price
$9,635per year, after aid
Undergraduates with a federal loan
23%
Undergraduates receiving a Pell grant
34%need-based, not repaid
Typical debt at graduation
$12,000federal loans, students who finished
Reducing their balance within 3 years
52%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $12,000. At 7% over 10 years — the standard federal plan — that is roughly $139 a month, about $16,720 repaid in total, of which $4,720 is interest.

Stretch the same balance over 25 years and the payment drops to $85 a month — but the total climbs to $25,444, roughly $8,724 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.

St Cloud Technical and 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
$6,124published rate
Out-of-state tuition
$6,124published 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
$46,87410 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 professions29%
  • Liberal arts & humanities26%
  • Mechanic & repair technologies8%
  • Construction trades8%
  • Business & marketing7%
  • Engineering technology7%

Share of degrees awarded, by broad field.

Athletics

NJCAA Division III

  • Baseball
  • Basketball
  • Softball
  • Volleyball

What borrowing would really cost

Starting from the typical debt at St Cloud Technical and 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

$139per month

Total repaid
$16,720
Interest paid
$4,720

Longer term — 25 years

$85per month

Total repaid
$25,444
Interest paid
$13,444

Borrow $12,000 and repay it over 25 years instead of 10, and you pay $8,724 more — $25,444 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: St Cloud Technical and Community College.