Florence, Alabama
Annual Costs
Undergraduate Tuition
Tuition for Heritage Christian University is $10,152 for the 2021/2022 academic year. This is 67% cheaper than the national average private non-profit four year college tuition of $30,365. The cost is 21% cheaper than the average Alabama tuition of $12,869 for 4 year colleges. Tuition ranks 18th in Alabama amongst 4 year colleges for affordability and is the 20th most expensive 4 year college in the state. Price does not vary by residence.
The school charges an additional fees of $1,480 in addition to tuition bringing the total effective in-state tuition to $11,632.
Housing Costs
On campus room and board is provided by the school at a cost of $5,822 per academic year. Students electing to live off campus elsewhere in Florence should budget at least this amount.
Books and Supplies
The estimated annual cost for books and supplies is $1,000.
Other Living Expenses
If living on-campus, students should budget for $2,529 in additional living expenses. Off-campus students should budget for $4,005 in other miscellaneous living expenses.
Total Costs
The annual tuition and living expense budget to go to Heritage Christian University was $20,983 for the 2021/2022 academic year. The cost is the same for all students regardless of Alabama residence status as there is no in-state discount.
Citation: Price data from the U.S. Department of Education's 2022 IPEDS survey response for Heritage Christian University and represent reported costs for the 2021-2022 academic year.
| Estimated Budgets | |
|---|---|
| Alabama Resident Total Budget | $20,983 |
| In-State Tuition | $10,152 |
| Other Fees | $1,480 |
| Room and Board | $5,822 |
| On-Campus Other Budget | $2,529 |
| Books and Supplies | $1,000 |
| Non-Resident Total Budget | $20,983 |
| Out-of-State Tuition | $10,152 |
| Other Fees | $1,480 |
| Room and Board | $5,822 |
| On-Campus Other Budget | $2,529 |
| Books and Supplies | $1,000 |
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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 $20,983 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 Heritage Christian University net price for in-state students is $13,571* for the 2019/2020 academic year. This net price includes housing and meal expenses.
Pell Grants and other Grant Aid
100% of Heritage Christian University students received grant aid in 2019/2020. The average total aid amount was $8,883. 0 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2019/2020 was $0. To apply for a Pell Grant to attend Heritage Christian University, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).
| Financial Aid Summary | |
|---|---|
| Average Annual Net Price | $13,571* |
| Percent of Students Receiving Grant Aid | 100% |
| Average Total Grant Aid | $8,883 |
| Percent of Students Receiving Pell Grants | 0% |
| Average Amount of Pell Grant Aid | $0 |
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 published for the 2019/2020 academic year.
| Family Income | Avg. Net Price |
|---|---|
| $0 to $30,000 | n/a |
| $30,001 to $48,000 | n/a |
| $48,001 to $75,000 | n/a |
| $75,001 to $110,000 | n/a |
| $110,000+ | n/a |
Average Financial Aid Mix - $20,983 In-State Total Cost
CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $20,983. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.
Grants and Scholarships
48% - $8,883Money granted to you by the U.S. Department of Education, Heritage Christian University or other organizations. These are not loans and do not need to be repaid.
Federal Loans
0% - $0Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.
Out of Pocket
52% - $9,571Covered 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 Academic Year 2019/2020 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. Heritage Christian University |
|---|---|
| Mid Continent University | 19.3% less expensive |
| Milligan College | 172.9% more expensive |
| Virginia Intermont College | 141.7% 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 Heritage Christian 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 Heritage Christian University is $83,932 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 $8,793 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $35,172**
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 $104,915 or $43,965 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 2019/2020 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 Heritage Christian University.
| Alabama Resident Tuition Per Semester | $5,076 |
| Alabama Resident Total Cost Per Semester | $10,492 |
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 Heritage Christian University are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.
| Price per credit hour | $423 |
| Cost for one class (3 credit hours) | $1,269 |
| Cost for one class (4 credit hours) | $1,692 |
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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. 0% of Heritage Christian University students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $0.
Example Loan Payments and Costs
How much are student loan payments for Heritage Christian University? 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 $35,172, 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 $44,745.81. This could be your effective total out of pocket cost of an education at Heritage Christian University. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 100% of students at this school who receive financial aid and you are paying an average annual net price of $8,793. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Heritage Christian 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.
| Example Payments | |
|---|---|
| Monthly Loan Payment | $372.88 |
| Amount Borrowed | $35,172.00 |
| Interest Rate | 4.99% |
| Term | 10 years |
| Number of Monthly Payments | 120 |
| Total Interest Cost | $9,573.81 |
| Sum of All Payments over 10 years | $44,745.81 |
Affording Student Loan Payments and Post Graduation Salary
Can I afford to attend Heritage Christian 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 considering attending Heritage Christian 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 $44,745.81 would be needed to afford a $372.88 monthly payment in the example $35,172.00 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 Heritage Christian University in the future? In the past four years, this school's published in-state tuition and fee total rose from $8,952 to $10,152. This amounts to an average annual price increase of 2.7%. 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 $83,932.00. 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 Heritage Christian University.
| Annual | 4 Year Degree | |
|---|---|---|
| Estimated Cost in 5 years for students enrolling in 2028 | $28,857 | $115,426 |
| Estimated Cost in 10 years for students enrolling in 2033 | $36,829 | $147,316 |
| Estimated Cost in 15 years for students enrolling in 2038 | $47,004 | $188,017 |
| Estimated Cost in 18 years for students enrolling in 2041 | $54,413 | $217,653 |
Tuition History
What was tuition at Heritage Christian 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 in the past as it provides indication as to how the school may raise tuition in the next few years. Historical tuition and fees for all available data years back to 1987 follows.
| Year | Tuition | Annual Increase |
|---|---|---|
| 2012 | $8,952 | 5.1% |
| 2011 | $8,520 | -7.3% |
| 2010 | $9,189 | 12% |
| 2009 | $8,208 | 4.6% |
| 2008 | $7,848 | 4.8% |
| 2007 | $7,488 | 4.7% |
| 2006 | $7,152 | 4.6% |
| 2005 | $6,840 | 5.9% |
| 2004 | $6,456 | 17.5% |
| 2003 | $5,496 | 5% |
| 2002 | $5,232 | 4.8% |
| 2001 | $4,992 | 4.5% |
| 2000 | $4,776 | 8.2% |
| 1999 | $4,416 | 10.2% |
| 1998 | $4,008 | -1% |
| 1997 | $4,050 | 4.7% |
| 1996 | $3,870 | 20.2% |
| 1995 | $3,220 | 21.3% |
| 1994 | $2,654 | 12.8% |
| 1993 | $2,352 | 12% |
| 1992 | $2,100 | 0% |
| 1991 | $2,100 | 12.2% |
| 1990 | $1,872 | -5.2% |
| 1989 | $1,974 | 0.5% |
| 1988 | $1,964 | 29.2% |
| 1987 | $1,520 |
Calculators
Use the calculators below to formulate a college savings plan for Heritage Christian 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 Heritage Christian 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 Heritage Christian University student loan.
About Heritage Christian University
Heritage Christian University is a four year private college located in Florence, Alabama. The school is affiliated with the Churches of Christ faith. Full time enrollment is 40 and part time is 91. Heritage Christian University has an open admission policy meaning that any prospective student who has completed high school or attained a GED certificate may enroll in classes. Learn more about Heritage Christian University at CollegeSimply.
Students attending this school may pursue both undergraduate and graduate degrees.
AddressHeritage Christian University
3625 Helton Dr
Florence, Alabama
35630-9977
http://www.hcu.edu
For Profit / Not For Profit Status
Heritage Christian University is a private not for profit institution.
Heritage Christian University cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=101453 IPEDS survey data. Data last updated February 2023 and reflects academic year 2021/2022 costs reported by the school.