Harding University

In 2022, tuition for full-time Harding University students was $23,790 a year.

Tuition increased 9.68% in 2022–from $21,690 the previous year. Usually, college tuition goes up about 3% every year.

Remember, the advertized cost of tuition doesn't give you enough information to determine the actual cost of attending any given college. Many students find the actual cost of college is way less than the total tuition after grants, scholarships, and tuition discounts kick in. Plus, student loans can make the amount you do have to pay out of pocket feel more doable until after graduation.

Harding University: In-state vs. Out-of-State Tuition

Harding University is a private, religious institution, which means it has the same tuition for residents of Arkansas 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 are eligible for in-state tuition can drastically reduce the cost of tuition, as well as loans and interest owed. Don't forget to verify your state's requirements for as an in-state resident. Every state has its own rules about what makes someone eligible for in-state tuition. The most common requirement is that students must have lived in the state for a full year before starting school. There may be other criteria as well, depending on the state you and your parents currently reside in.

Explore other Arkansas colleges

Do International Students Pay More to Go to Harding University?

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

Students from outside of the U.S. are not eligible for loans or grants from the U.S. government, but may be eligible for private or Harding University-specific grants, scholarships, and other funding opportunities.. International students with need may be eligible for the following types of financial support at Harding University:

•On-campus jobs •Loans from outsideHarding University •Harding University-specific loans •Harding University-specific scholarships •International Students Tuition Waivers

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

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Harding University Living Expenses, Fees, and More

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In addition to the cost of tuition, room and board, books, transportation and fees are also costs it consider when estimating the cost of attendance for college. Let's take a look at what impacts these costs, and what to expect at Harding University.

House and Food Costs at Harding University

Housing and campus dining at Harding University is $8,532 a year. This covers the cost of living in dorms or other on-campus housing, and a meal plan that allows you to eat all or some of your meals the Harding University's on-campus cafeterias and dining facilities. Students who live off campus but would like to be able to eat in the campus dining can choose to be on a meal plan. The cost of a mean plan, or board-only, is $4,068.

Board costs may vary depending on how many meals are included in the plan you choose.

How Much Do Books Cost at Harding University?

First-year students are sometimes surprised by how much books and supplies cost–and not in a good way. 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 used textbooks and materials.

Yearly Fees

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

Keep in mind, there could also be additional fees associated with participating in certain activities, like joining a fraternity or sorority, or playing on an intramural sports team. Many schools have resources so that those who may struggle to participate because of cost can find ways to lower or eliminate these costs.

The Cost of Transportation at Harding University

The cost of transportation in college can really vary. Will you take a subway, car or an airplane to get to school? Will you need to pay to park on-campus? Is the campus walkable? Do you plan to bring a car or will you need to use public transportation? All of these questions can drastically impact 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 the amount you'll have to spend just to get around. 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 could be expensive, but cities may offer more trains, busses and affordable flights to actually get to school. The Harding University campus is in a small town setting in Arkansas, near Little Rock.

Other Costs

When budgeting for college, be sure to consider the cost of things like entertainment, clothes, furnishings and toiletries.

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The Full Cost of Attending Harding University

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Now, let’s do a rundown of all of the costs associated with college, to get a better idea of the actual cost of attending Harding University.

Total Cost of Harding University

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

2022 Total Tuition and Expenses
Tuition	$23,790
Room and Board	$8,532
Board Only	$3,650
Other expenses	$3,390

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

Total Estimated Costs
On-Campus	$37,452
Off-Campus	$32,570

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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Harding University Financial Aid

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In 2022, 1,811 of the 3,687 undergrads enrolled received financial aid. Harding University meets 80% of the demonstrated financial need for undergraduates.

The average financial aid package for a full-time, first-year student is around $15,431 a year. Around 65% of Harding University undergrads take out student loans to cover any remaining costs. Harding University graduates who have student loans graduate with an average of $35,252 of student loan debt.

The average debt for each loan type varies.

Average Debt By Loan Type
Federal Loans	$30,248
Harding University-Specific Loans	$5,393
Private Loans	$27,016

Most Common Loans for Harding University Students
Federal Loans	64%
Institutional Loans	1%
Private loans	13%

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 Harding University financial aid, keep reading, or visit their financial aid website.

Scholarships at Harding 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, Harding University awarded 1,729 need-based scholarships to students, giving away total of $20.6 million to help students with financial need cover the cost of school. An additional $14.94 million in merit-based scholarship money was awarded to students without demonstrated financial need.

Net Cost of Harding 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 Harding 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 Harding University was $15,431 in 2022. By substracting the average financial aid package from the estimated costs, we get a number that may make the cost of Harding University seem more manageable.

Estimated Net Cost for Full-Time Students
On-Campus	$22,021
Off-Campus	$17,139

What will attending Harding 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 Harding University's net cost calculator on their website.

Harding 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.

Does Harding University Offer Tuition Waivers?

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

Harding University has some full or partial tuition waivers available for: - International Students

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

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Learn More About Harding University

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