Tuition and Cost to Attend Spelman College

Annual Total Cost

The annual total list price cost to go to Spelman College was $38,579 for the 2013/2014 academic year. The cost is the same for all students regardless of Georgia residence status as there is no in-state discount.

Undergraduate Tuition

Tuition for Spelman College is $21,309 for the 2013/2014 academic year. This is 13% cheaper than the national average private non-profit four year college tuition of $24,476. The cost is $8,385 and 65% more expensive than the average Georgia tuition of $12,924 for 4 year colleges. Tuition ranks 64th in Georgia amongst 4 year colleges for affordability and is the 12th most expensive 4 year college in the state. Price does not vary by residence.

The school charges an additional fees of $3,325 in addition to tuition bringing the total effective in-state tuition to $24,634.

Housing Costs

On campus room and board is provided by the school at a cost of $11,945 per academic year. Students electing to live off campus elsewhere in Atlanta should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $2,000.

Costs and Tuition for Spelman College
Expenditure Price
Georgia Resident Total Cost $38,579
   In-State Tuition$21,309
   Other Fees$3,325
   Room and Board$11,945
   Books and Supplies$2,000
Non-Resident Total Cost $38,579
   Out-of-State Tuition$21,309
   Other Fees$3,325
   Room and Board$11,945
   Books and Supplies$2,000

All price data are reprinted from the U.S. Department of Education's 2013-2014 and 2012-2013 IPEDS Survey and represent reported costs for the 2013-2014 and 2012-2013 academic years.


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What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $38,579 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported Spelman College net price for in-state students $29,562* for the 2011/2012 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

79% of Spelman College students received grant aid in 2010/2011. The average total aid amount was $12,669. 49 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2010/2011 was $4,681. To apply for a Pell Grant to attend Spelman College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Spelman College
Financial Aid Summary
Average Annual Net Price$29,562*
Percent of Students Receiving Grant Aid79%
Average Total Grant Aid$12,669
Percent of Students Receiving Pell Grants49%
Average Amount of Pell Grant Aid$4,681

Average Net Price by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last reported for the 2011-2012 academic year.

Family Income Avg. Net Price
$0 to $30,000$28,665
$30,001 to $48,000$29,144
$48,001 to $75,000$32,665
$75,001 to $110,000$34,618

Average Financial Aid Mix - $38,579 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $38,579. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 33% - $12,669

Money granted to you by the U.S. Department of Education, Spelman College or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 19% - $7,333

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 48% -  $18,577

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's 2011-2012 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Private Colleges in the Region

School Cost vs. Spelman College
Mercer University54% more expensive
Southern Adventist University10.9% less expensive
Covenant College32.8% more expensive
Bryan University Dayton0.7% less expensive
Furman University100.8% more expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at Spelman College.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at Spelman College is $154,316 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $27,648 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $110,592**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $192,895 or $138,240 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's 2011-2012 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at Spelman College.

Georgia Resident Tuition Per Semester$10,654
Georgia Resident Total Cost Per Semester$19,290

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at Spelman College are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at Spelman College
Price per credit hour$820
Cost for one class (3 credit hours)$2,460
Cost for one class (4 credit hours)$3,280

Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 72% of Spelman College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $7,333. The reported average student debt upon graduation is $35,168.

Example Loan Payments and Costs

How much are student loan payments for Spelman College? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $110,592, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $138,564.80. This could be your effective total out of pocket cost of an education at Spelman College. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 79% of students at this school who receive financial aid and you are paying an average annual net price of $27,648. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Spelman College student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

Spelman College Student Loan Payments
Example Payments
Monthly Loan Payment$1,154.71
Amount Borrowed$110,592.00
Interest Rate4.7%
Term10 years
Number of Monthly Payments120
Total Interest Cost$27,972.80
Sum of All Payments over 10 years$138,564.80

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Spelman College? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending Spelman College, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $138,564.80 would be needed to afford a $1,154.71 monthly payment in the example $110,592.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to Spelman College in the future? In the past five years, this school's published in-state tuition and fee total rose from $17,005 to $23,254. This amounts to an average annual price increase of 7.3%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current 4 year cost of $154,316.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Spelman College.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2020$53,055$212,220
Estimated Cost in 10 years for students enrolling in 2025$67,713$270,853
Estimated Cost in 15 years for students enrolling in 2030 $86,421$345,685
Estimated Cost in 18 years for students enrolling in 2033 $100,043$400,173

Tuition History

What was tuition at Spelman College five, ten, fifteen or twenty years ago? Hop into our time machine and take a look. Pay attention to how aggressive the school has been with price increases the past as it provides indication as to how the school may raise tuition in the next few years if you enrolled. Historical tuition and fees for all available data years back to 1988 follows.

YearTuitionAnnual Increase

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Spelman College to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Psychology, General Bachelor's Degree 87 8% costlier
Biology/Biological Sciences, General Bachelor's Degree 54 8% costlier
English Language and Literature, General Bachelor's Degree 52 8% costlier
Political Science and Government, General Bachelor's Degree 42 5% costlier
Economics, General Bachelor's Degree 39 2% cheaper
Sociology Bachelor's Degree 20 6% costlier
Chemistry, General Bachelor's Degree 17 5% costlier
International Relations and Affairs Bachelor's Degree 16 7% cheaper
Women's Studies Bachelor's Degree 14 8% cheaper
Early Childhood Education and Teaching Bachelor's Degree 13 24% costlier
Music, General Bachelor's Degree 12 6% costlier
Spanish Language and Literature Bachelor's Degree 10 1% costlier
Mathematics, General Bachelor's Degree 10 6% costlier
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 8 3% costlier
History, General Bachelor's Degree 6 7% costlier
Fine Arts and Art Studies, Other Bachelor's Degree 6 4% cheaper
Biochemistry Bachelor's Degree 4 6% cheaper
Philosophy Bachelor's Degree 3 3% cheaper
Human Services, General Bachelor's Degree 2 23% costlier
Environmental Control Technologies/Technicians, Other Bachelor's Degree 2 1% cheaper
Anthropology Bachelor's Degree 2 3% cheaper
Religion/Religious Studies Bachelor's Degree 2 8% cheaper
Physics, General Bachelor's Degree 2 1% cheaper
Computer and Information Sciences, General Bachelor's Degree 1 18% costlier
Engineering, General Bachelor's Degree 1 4% cheaper
French Language and Literature Bachelor's Degree 1 5% cheaper


Use the calculators below to formulate a college savings plan for Spelman College or model a student loan.

College Savings Calculator

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Discover how much will you need to start saving now to afford Spelman College in the future.

Student Loan Calculator

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Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a Spelman College student loan.

Prepayment Option

About Spelman College

Spelman College is a four year private college located in Atlanta, Georgia.  Full time enrollment is 2,083 and part time is 88.  For the 2011/2012 school year, the school received 5,864 applicants. 2,009 were admitted and 539 enrolled.

Only undergraduate degrees are offered at this school.

Spelman College
350 Spelman Lane SW
Atlanta, Georgia

For Profit / Not For Profit Status

Spelman College is a private not for profit institution.

Spelman College cost and financial aid data source: U.S. Department of Education IPEDS survey data.


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