Howard Payne University

In 2022, tuition for full-time students at Howard Payne University was $27,850 a year.

Tuition increased 4% in 2022–from $26,778 the prior year. On average, college tuition rises about 3% year.

Remember, the advertized cost of tuition doesn't mean much if you plan to use financial aid to help pay for college. Many students owe way less than the sticker price after grants, scholarships, and tuition discounts kick in. And, student loans can make the amount you do have to pay for college feel more doable until you've finishing school and found a job.

Howard Payne University: In-state vs. Out-of-State Tuition

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

Public colleges and universities receive funding from the state government. Public insitutions often offer a lower cost of attendance for those who qualify as Texas residents.

Choosing a college where you qualify for in-state status can cut the cost of college tuition. Be sure to verify your state's rules for in-state residency. Every state has its own rules about what makes someone eligible for in-state tuition. 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 other criteria too, depending on where you live.

Explore other Texas colleges

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

Tuition at Howard Payne University is the same for all students.

International students usually do not qualify for for federal financial aid, but should research private or Howard Payne University-specific aid and scholarships. International students with need may be eligible 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.

---

Howard Payne University Housing Expenses, Fees, and More

---

In addition to tuition, room and board, books, transportation and fees are also costs it consider when planning for college. Let's take a look at what impacts these costs, and what to expect at Howard Payne University.

Room and Board Costs at Howard Payne University

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

Board costs may vary depending on the numnber of meals you intend to eat on-campus

Cost of Books at Howard Payne University

First-year students are sometimes surprised by how much books and supplies cost–and not in a good way. The actual cost of books depends on the courses you take and what kinds of books and materials they require. To save money, many students choose to use books from the library or buy used textbooks and materials.

Annual Fees

Most schools also have fees to offsets cost associated with maintaining facilties, like the library, gym and computer labs.

There may be additional fees associated with participating in certain activities, like joining a fraternity or sorority, or playing on an intramural sports team. Most colleges have ways for students who may struggle to participate because of cost can get help covering these fees.

Planes, Trains, and Automobiles: Transportation costs at Howard Payne University

The total cost of getting around 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 small enough that you can easily walk from class-to-class?? Do you own a car, or will you need to use public transportation? All of these questions can make a big difference in your estimated cost of transportation. Keeping in mind, first-year students are allowed to park a car on campus.

A school's location can impact transportation costs. Small, rural schools may be easier to get around, but the cost of getting to campus may be higher. On the other hand transportation in a city is sometimes expensive, but there may be more trains, busses or affordable flights to actually get to school. The Howard Payne University campus is in a small town setting in Texas.

Other Costs

When creating a budget for college, be sure to consider the cost of things like movies, takeouts, furniture or appliances for your dorm or housing, and essentials like laundry detergent, toothpaste and toilet paper.

---

Total Tuition and Expenses at Howard Payne University

---

Now, let’s do a rundown of all of the costs associated with college, to get a better idea of how much students can expect to shell out for Howard Payne University.

Total Cost of Howard Payne University

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

2022 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.

---

Howard Payne University Financial Aid

---

The majority of Howard Payne University undergrads use financial aid to finance their education. In 2022, 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 2022, 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.

Net Cost of Howard Payne University

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 2022. 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 offer tuition waivers to 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, students are usually responsible for housing, meal plans, and other expenses.

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

---

Learn More About Howard Payne University

---

To learn more about Howard Payne University, choose from the options below:

Overview

Student Life

Academics

Admissions

Visit the College Confidential forums to join the conversation about Howard Payne University