Howard Payne University

In 2019, tuition for full-time students at Howard Payne University was $27,850 a year.

In 2023, tuition increased 4%–from $26,778 the previous year. On average, college tuition rises about 3% year.

Remember, the total cost of tuition isn't necessarily what you will have to pay to attend a school. Many students pay much less than the total tuition after grants, scholarships, and tuition discounts kick in. Plus, student loans can make theactual cost of attending college feel more doable until you've finishing school and found a job.

Howard Payne University meets 78% of the demonstrated financial need for undergraduates. The average financial aid package for a full-time, first-year student at Howard Payne University is around $20,353 a year.

Students in the class of 2023 who had taken out student loans graduated with an average of $34,875 of debt.

Does Howard Payne University Offer In-State and Out-of-State Tuition?

Howard Payne University is a private, religious institution, so it has the same tuition for residents of Texas as it does for residents from other states.

Public schools receive funds from the state to help them cover costs. Public, state schools can offer lower tuition for students who meet the requirements for in-state residency.

Choosing a college where you qualify for in-state tuition can cut the cost of college tuition. Be sure to confirm your state's rules for as an in-state resident. Each state has different requirements to qualify as in-state resident. In many states, students must have lived in the state for 12 months before starting school to qualify for in-state tuition. There may be additional requirements as well, depending on the state you and your parents currently reside in.

Explore other Texas colleges

Is Howard Payne University's Tuition Different for International Students?

Howard Payne University has the same tuition for international students as for those from out of state.

Students from outside of the U.S. usually do not qualify for for federal financial aid, but may qualify for private or school-specific aid and scholarships. International students with need may qualify for the following types of financial support at Howard Payne University:

•Howard Payne University-specific scholarships

International students without financial need may be eligible for merit-based institutional scholarships.

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Howard Payne University Housing Expenses, Fees, and More

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In addition to the cost of tuition, there are other costs associated with college, like room and board, facility fees, and books and supplies. Let's take a look at what impacts these costs, and what to expect at Howard Payne University.

House and Food Costs at Howard Payne University

Room and board at Howard Payne University is $9,224 a year. This includes the cost of living in dorms or other on-campus housing, and a meal plan that allows you to eat in the school dining facilities.

Meal-plan costs vary based on on the number of meals you intend to eat on-campus

Cost of Books at Howard Payne University

The cost of books often surprises first-year college students. The real cost of books and supplies depends on the courses you take and the textbooks, computer programs, or other materials are required.. To save money, many students choose to use books from the library or buy books from students who have already taken the course.

Yearly Fees

The majority of colleges charge some yearly fees to offsets cost associated with maintaining facilties, like the computer labs and libraries, athletic facilities, and more.

There may be optional fees associated with participating in certain activities, like Greek Life, or playing on an intramural sports team. Most colleges offer ways for students who may struggle to participate because of cost can find ways to lower or eliminate these costs.

The Cost of Transportation at Howard Payne University

The cost of transportation in college can really vary. Will you drive, fly, or take public transportation to school? Will you need to pay to park on-campus? Is the campus easy to get around on foot? Do you plan to bring a car or are you planning to use busses, subways, or other modes of transportation? All of these questions can make a big difference in your transportation budget. At Howard Payne University, freshman are allowed to park on campus.

The location of a college or university can impact your transportation budget. Small, rural schools may be easier to get around, but the cost of getting to campus may be higher. On the other hand getting around in an urban area is often expensive, but there may be more buses, trains and low-cost flight options to actually get to school. The Howard Payne University campus is in a town in Texas.

Other Costs

When budgeting for college, be sure to take into account personal expenses, like movies, takeouts, furniture or appliances for your dorm or housing, and essentials like laundry detergent, toothpaste and toilet paper.

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The Full Cost of Attending Howard Payne University

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Now, let’s look at the breakdown of all expenses, to get a better idea of how much students can expect to shell out for Howard Payne University.

How Much Does Howard Payne University Cost?

What will the cost of attending Howard Payne University be? Here is a breakdown of tuition and expenses.

2023 Total Tuition and Expenses
Tuition	$27,850
Room and Board	$9,224

The total estimated cost will vary depending on whether you are going to live on-campus or off-campus.

Total Estimated Costs
On-Campus	$40,674
Off-Campus	$31,450

The breakdowns above provide a good estimate of the total cost of attendance before financial aid and scholarships. Tuition and fees may vary depending on program, course level, location, and more.

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Howard Payne University Financial Aid

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The majority of Howard Payne University undergrads use financial aid to help pay for school. In 2023, 695 of the 981 undergrads enrolled received financial aid. Howard Payne University meets 78% of the demonstrated financial need for undergraduates.

The average financial aid package for a full-time, first-year student is around $20,353 a year. Around 73% of Howard Payne University undergrads take out student loans to cover any remaining costs. Howard Payne University graduates who have student loans graduate with an average of $34,875 of student loan debt.

The average debt for each loan type varies.

Average Debt By Loan Type
Federal Loans	$27,538
Private Loans	$0

Most Common Loans for Howard Payne University Students
Federal Loans	72%

Most students take out institutional or government loans, because they tend to have lower interest rates and more flexible repayment options than private loans. Loans from the federal government can be subsidized or unsubsidized. Subsidized loans do not accrue interest during school, while unsubsidized loans begin accruing interest at the time the loan is issued. If students do no qualify for enough federal loans to cover the cost of tuition, some take out private loans. Parents can also take out ParentPLUS loans, which are government loans for parents who are helping their children pay for college.

The Free Application for Federal Student Aid (FAFSA) helps colleges determine how much financial need students and their familes have, so they can offer a financial aid package that meets, or come close to meeting, their need. For more information on Howard Payne University financial aid, keep reading, or visit their financial aid website.

Scholarships at Howard Payne University

Some students may receive grants and scholarships to help pay for college. Unlike loans, scholarships and grants do not have to be paid back.

In 2023, Howard Payne University awarded 689 need-based scholarships to students, giving away total of $11.9 million to help students with financial need cover the cost of school. An additional $2.11 million in merit-based scholarship money was awarded to students without demonstrated financial need.

Howard Payne University Net Cost

The net price of college is the actual cost of attending a school for one year. Net cost is calculated by subtracting any scholarships, grants or other aid that does not need to be paid back from the total cost. Student loans are not part of the calculation, because they need to be repaid.

Now that we have a sense of the total estimated costs for Howard Payne University students, we can subtract the average financial aid package to find the estimated net cost. Net cost can vary depending on a students’ need and the financial aid award received.

When considering whether a school fits your budget, it is important to consider the estimated net cost, not just the sticker price of tuition. Often, schools with the highest tuition also offer the most generous aid packages, so estimate your net cost before eliminating a school because it does fit your budget.

The average amount of financial aid received by a full-time first year student with demonstrated need at Howard Payne University was $20,353 in 2023. By substracting the average financial aid package from the estimated costs, we get a number that may make the cost of Howard Payne University seem more manageable.

Estimated Net Cost for Full-Time Students
On-Campus	$20,321
Off-Campus	$11,097

What will attending Howard Payne University really cost you? The answer depends on several factors.

As of 2011, colleges are required to have a net price calculator on their website to help prospective students and their families understand the actual cost of attending that school, based on their financial situation. You can find the Howard Payne University's net cost calculator on their website.

Howard Payne University Tuition Payment Plans

Some students choose to use payment plans to make the cost of tuition fit more comfortably in their budget.

Students cannot pay tuition in installments. Contact the financial aid office to verify this and discuss options.

Howard Payne University Tuition Waivers

Schools sometimes waiver tuition for certain groups, to reduce the total cost of attendance. Some schools offer tuition waivers for employees and their family members, underrepresented students, or military students. Even if you qualify for a waiver, other expenses and fees are the responsibility of the student.

Check the financial aid website for more information on payment plans and tuition waivers.

Howard Payne University's Endowment

An endowment is the total value of a school's investments, donations, and assets. Endowment is not necessarily an indicator of the quality of a school, but it can give you a sense of how much money a college can afford to invest in expanding programs, improving facilities, and supporting students.

Howard Payne University's endowment was valued at $56.5 million in 2023, compared to a national average of $905 million. The school spends $8,702 for each full-time student enrolled.

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Learn More About Howard Payne University

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Click below to find out more about the admissions requirements and deadlines, student life, academics, majors and more.

Overview

Student Life

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Admissions

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