Tuition and Cost to Attend Worcester State University

Annual Total Cost

The total cost for in-state Massachusetts residents to go to Worcester State University is $20,018 for the 2013/2014 academic year. Out-of-state students who don't possess Massachusetts residence can expect a one year cost of $26,098. The components to this cost are detailed below.

Undergraduate Tuition

Worcester State University tuition is $970 per year for in-state residents. This is 84% cheaper than the national average pubic four yearr tuition of $6,256. The fee is $26,500 and 96% cheaper than the average Massachusetts tuition of $27,470 for 4 year colleges. Tuition ranks 3rd in Massachusetts amongst 4 year colleges for affordability and is the 82nd most expensive 4 year college in the state. If you're attending from out-of-state, the tuition is $7,050 which represents a 627% premium.

Housing Costs

On campus room and board is provided by the school at a cost of $10,877 per year. If you elect to live off campus elsewhere in Worcester, you should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $984.

Other Fees

There is an additional fee of $7,187 which is charged in addition to tuition.

Cost Itemization

Costs and Tuition Detail for Worcester State University
Expenditure Price
Massachusetts Resident Total Cost$20,018
Non-Resident Total Cost$26,098
   In-State Tuition$970
   Out-of-State Tution$7,050
   Room and Board$10,877
   Books and Supplies$984
   Other Fees$7,187

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 $20,018 published price if scholarship or grant aid is made available to you.

Net Price

The net out of pocket price you end up paying or financing though student loans is known as the net price. The reported Worcester State University net price for in-state students receiving aid was $12,354* for the 2010/2011 academic year.

Pell Grants and other Grant Aid

45% of Worcester State University students recieved grant aid in 2010/2011 to help defray the cost of tuition. The average total aid amount was $4,680. 26 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 $3,879. To apply for a Pell Grant to attend Worcester State University, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Worcester State University
Financial Aid Summary
Average Annual Net Price$12,354*
Percent of Students Receiving Grant Aid45%
Average Total Grant Aid$4,680
Percent of Students Receiving Pell Grants26%
Average Amount of Pell Grant Aid$3,879

Average Financial Aid Mix - $20,018 In-State Total Cost

Estimated coverage of the annual in-state tuition and living expenses of $20,018. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

4680
5832
9506

 23% - $4,680

Grants and Scholarships

Money granted to you by the U.S. Department of Education or Worcester State University. These are not loans and do not need to be repaid.

 29% - $5,832

Federal Loans

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

 47% -  $9,506

Out of Pocket

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

*Reported Average Annual Net Price for in state 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.


Cost of a Degree

When considering the cost to go to Worcester State University, 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 Worcester State University.

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 Worcester State University is $80,072 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 $12,354 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $49,416**

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 $100,090 or $61,770 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state 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 Worcester State University.

Massachusetts Resident Tuition Per Semester$485
Massachusetts Resident Total Cost Per Semester$10,009
Non-Massachusetts Resident Tuition Per Semester$3,525
Non-Massachusetts Resident Total Cost Per Semester$13,049

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 Worcester State University 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 Worcester State University
Price per credit hour for Massachusetts residents$319
Cost for one class for Massachusetts residents (3 credit hours)$957
Price per credit hour for out of state residents$572
Cost for one class for out of state residents (3 credit hours)$1,716
Cost for one class for out of state residents (4 credit hours)$2,288

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Student Loans

The secondry consideration after understanding the cost of college is figuring out how to finance it. Some students are fortunate enough to have some form of family financial assitance, but student loans end up financing a singificant portion of higher education in the U.S. 52% of Worcester State University students receive U.S. Federal Student Loans with an average Federal Loan aid amount of $5,832.

Example Loan Payments and Costs

How much are student loan payments for Worcester State University? Obviously this varies based on a number of factors - offsetting finacial aid you receieve, 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 $49,416, 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 $61,915.13. This could be your effective total out of pocket cost of an education at Worcester State University. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 45% of students at this school who receive financial aid and you are paying an average annual net price of $12,354. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Worcester State University 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.

Worcester State University Student Loan Payments
Example Payments
Monthly Loan Payment$515.96
Amount Borrowed$49,416.00
Interest Rate4.7%
Term10 years
Number of Monthly Payments120
Total Interest Cost$12,499.13
Sum of All Payments over 10 years$61,915.13

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Worcester State University? 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 condidering attending Worcester State University, 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 $61,915.13 would be needed to afford a $515.96 monthly payment in the example $49,416.00 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.

For Profit / Not For Profit Status

Worcester State University is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to Worcester State University in the future? In the past five years, this school's published in-state tuition and fee total rose from $5,539 to $7,653. This amounts to an average annual price increase of 7.6%. 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 in-state 4 year cost of $80,072.00. 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 Worcester State University.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2019$27,529$110,118
Estimated Cost in 10 years for students enrolling in 2024$35,135$140,541
Estimated Cost in 15 years for students enrolling in 2029 $44,843$179,370
Estimated Cost in 18 years for students enrolling in 2032 $51,911$207,643

Tuition History

What was tuition at Worcester State University 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.

YearIn-StateOut-of-stateAnnual Increase
2010$6,602$12,682 7%
2009$6,170$12,250 5.2%
2008$5,864$11,944 5.9%
2007$5,539$11,619 9.1%
2006$5,079$11,159 10.9%
2005$4,579$10,659 11.1%
2004$4,123$10,203 26%
2003$3,273$9,353 27.2%
2002$2,573$8,653 2.6%
2001$2,508$8,528 -34.4%
2000$3,826$8,418 49.7%
1999$2,555$7,795 -2.3%
1998$2,615$7,295 -2.5%
1997$2,683$7,151 -2.5%
1996$2,753$6,887 3.8%
1995$2,653$6,787 2.6%
1994$2,586$6,600 2.1%
1993$2,532$6,396 2.2%
1992$2,478$6,192 17.3%
1991$2,112$5,187 50.4%
1990$1,404$4,242 8.3%
1989$1,296$3,792 9.7%
1988$1,181$3,376 0%
1987$1,181$3,377

Cost for Popular Majors

Below are the most popular undergraduate areas of study at Worcester State University ranked by degrees conferred during the 2010/2011 academic year along with their estimated total program cost. Please consult the school's website for further information as actual costs for specific program may vary. Price estimates assume graduation in normal time. Our methodology for estimating these costs is a two or four year multiple of the current one year tuition and living cost of $20,018. Associates degrees are assumed to be completed in two years and bachelors degrees are assumed to take four years.

Area of Study Graduates Estimated Degree + Living Expense Cost
Business Administration and Management, General Bachelor's Degree 188 $80,072
4 year estimate
Criminal Justice/Safety Studies Bachelor's Degree 64 $80,072
4 year estimate
Registered Nursing/Registered Nurse Bachelor's Degree 51 $80,072
4 year estimate
Biology/Biological Sciences, General Bachelor's Degree 40 $80,072
4 year estimate
Psychology, General Bachelor's Degree 37 $80,072
4 year estimate
Elementary Education and Teaching Bachelor's Degree 30 $80,072
4 year estimate
Mass Communication/Media Studies Bachelor's Degree 29 $80,072
4 year estimate
Communication Sciences and Disorders, General Bachelor's Degree 22 $80,072
4 year estimate
Speech Communication and Rhetoric Bachelor's Degree 21 $80,072
4 year estimate
Early Childhood Education and Teaching Bachelor's Degree 21 $80,072
4 year estimate
Computer and Information Sciences, General Bachelor's Degree 18 $80,072
4 year estimate
Chemistry, General Bachelor's Degree 16 $80,072
4 year estimate
Adult Health Nurse/Nursing Bachelor's Degree 14 $80,072
4 year estimate
Occupational Therapy/Therapist Bachelor's Degree 13 $80,072
4 year estimate
Health Professions and Related Clinical Sciences, Other Bachelor's Degree 13 $80,072
4 year estimate
Community Health Services/Liaison/Counseling Bachelor's Degree 12 $80,072
4 year estimate
Biotechnology Bachelor's Degree 12 $80,072
4 year estimate
Urban Studies/Affairs Bachelor's Degree 11 $80,072
4 year estimate
Spanish Language and Literature Bachelor's Degree 10 $80,072
4 year estimate
History, General Bachelor's Degree 5 $80,072
4 year estimate
English Language and Literature, General Bachelor's Degree 5 $80,072
4 year estimate
Sociology Bachelor's Degree 4 $80,072
4 year estimate
Geography Bachelor's Degree 3 $80,072
4 year estimate
Physical Sciences Bachelor's Degree 2 $80,072
4 year estimate
Economics, General Bachelor's Degree 2 $80,072
4 year estimate
Visual and Performing Arts, General Bachelor's Degree 2 $80,072
4 year estimate
Mathematics, General Bachelor's Degree 1 $80,072
4 year estimate

About Worcester State University

Worcester State University is a four year public college located in Worcester, Massachusetts.  Full time enrollment is 4,067 and part time is 2,137.  For the 2011/2012 school year, the school received 3,434 applicants. 2,340 were admitted and 784 enrolled.

Students attending this school may pursue both undergraduate and graduate degrees.

Learn more about Worcester State University at CollegeSimply.

Calculators

Use the calculators below to formulate a college savings plan for Worcester State University or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford Worcester State University in the future.

Student Loan Calculator

Estimate Loan Payments

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

Prepayment Option

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