Cost to Attend Reading Area Community College

Reading Area Community College
Reading, Pennsylvania

Annual Costs

Undergraduate Tuition

Reading Area Community College tuition is $4,200 per year for in-district residents. This is 32% more expensive than the national average public two year in-district tuition of $3,186. The cost is 66% cheaper than the average Pennsylvania in-district tuition of $12,503 for 2 year colleges. Tuition ranks 10th in Pennsylvania amongst 2 year colleges for affordability and is the 45th most expensive 2 year college in the state.

The school charges an additional fees of $1,770 in addition to tuition bringing the total effective in-state tuition to $10,170.

Housing Costs

Reading Area Community College doesn't offer on campus housing. If you're not living with family you will need to budget for food and housing in the Reading area just like you would for a college with dorms. The estimated rent and meal expense per academic year for off campus housing is $10,800.

Books and Supplies

The estimated annual cost for books and supplies is $1,800.

Other Living Expenses

Off-campus students should budget for $5,000 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-district residents to go to RACC is $23,570 for the 2021/2022 academic year. The total cost for in-state, but not in district residents is $27,770. Out-of-state students who don't possess Pennsylvania residence can expect a one year cost of $28,820. Students residing at home with parents providing food and housing can expect a total cost of $16,970.

Citation: Price data from the U.S. Department of Education's 2022 IPEDS survey response for Reading Area Community College and represent reported costs for the 2021-2022 academic year.

Costs and Tuition for Reading Area Community College
Estimated Budgets
In-District Resident Total Budget (Living Off Campus)$23,570
   In-District Tuition$4,200
   Other Fees$1,770
   Off-Campus Other Budget$5,000
   Books and Supplies$1,800
   Off-Campus Housing Estimate$10,800
In-District Resident Total Budget (Living with Parents)$12,770
   In-District Tuition$4,200
   Other Fees$1,770
   Family Provided Room and Board$0
   With-Family Other Living Budget$5,000
   Books and Supplies$1,800
Pennsylvania Out of District Total Budget (Living Off Campus)$27,770
   In-State Tuition$8,400
   Other Fees$1,770
   Off-Campus Housing Estimate$10,800
   Off-Campus Other Budget$5,000
   Books and Supplies$1,800
Pennsylvania Out of District Total Budget (Living with Parents)$16,970
   In-State Tuition$8,400
   Other Fees$1,770
   Family Provided Room and Board$0
   With-Family Other Living Budget$5,000
   Books and Supplies$1,800
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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 $27,770 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 RACC net price for in-state students is $8,735* for the 2019/2020 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

91% of Reading Area Community College students received grant aid in 2019/2020. The average total aid amount was $8,749. 66 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 $4,885. To apply for a Pell Grant to attend Reading Area Community College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Reading Area Community College
Financial Aid Summary
Average Annual Net Price$8,735*
Percent of Students Receiving Grant Aid91%
Average Total Grant Aid$8,749
Percent of Students Receiving Pell Grants66%
Average Amount of Pell Grant Aid$4,885

Average Net Price for In-State Students 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$7,858
$30,001 to $48,000$7,783
$48,001 to $75,000$10,171
$75,001 to $110,000$13,337

Average Financial Aid Mix - $27,770 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $27,770. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

Grants and Scholarships
38% - $8,749

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

Federal Loans
22% - $4,959

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

Out of Pocket
40% -  $9,062

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 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 Community Colleges in the Region

School Cost vs. Reading Area Community College
Montgomery County Community College West Campus26.4% less expensive
Lehigh Carbon Community College20% less expensive
Thaddeus Stevens College of Technology0% less expensive
Montgomery County Community College Central Campus2.9% more expensive
Delaware County Community College10.7% less expensive

Cost of a Degree

Being a school offering two year programs, prospective students should consider the multi year outlay when budgeting the cost for two years at Reading Area Community College.

Estimated 2 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 2 year associate degree at RACC is $55,540 for students graduating in normal time. This methodology for estimating the 2 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 $10,172 in-state net price as the basis. Applying this cost over 2 would estimate the cost of a degree at $20,344**

**Based on a 2 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 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 Reading Area Community College.

Pennsylvania Resident Tuition Per Semester$4,200
Pennsylvania Resident Total Cost Per Semester$13,885
Non-Pennsylvania Resident Tuition Per Semester$4,725
Non-Pennsylvania Resident Total Cost Per Semester$14,410

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 Reading Area Community 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 Reading Area Community College
Price per credit hour for in district residents$197
Cost for one class for in district residents (3 credit hours)$591
Price per credit hour for Pennsylvania residents$339
Cost for one class for Pennsylvania residents (3 credit hours)$1,017
Price per credit hour for out of state residents$374
Cost for one class for out of state residents (3 credit hours)$1,122
Cost for one class for out of state residents (4 credit hours)$1,496

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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. 31% of Reading Area Community College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $4,959.

Example Loan Payments and Costs

How much are student loan payments for Reading Area Community 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 $20,344, 100% of the estimated average net price for a two year program and paid nothing while enrolled. The total of all payments including interest would sum $25,881.63. This could be your effective total out of pocket cost of an education at Reading Area Community College. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 91% of students at this school who receive financial aid and you are paying an average annual net price of $10,172. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Reading Area Community 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.

Reading Area Community College Student Loan Payments
Example Payments
Monthly Loan Payment$215.68
Amount Borrowed$20,344.00
Interest Rate4.99%
Term10 years
Number of Monthly Payments120
Total Interest Cost$5,537.63
Sum of All Payments over 10 years$25,881.63

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend RACC? 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 Reading Area Community 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 $25,881.63 would be needed to afford a $215.68 monthly payment in the example $20,344.00 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 Reading Area Community College in the future? In the past four years, this school's published in-state tuition and fee total rose from $7,500 to $8,400. This amounts to an average annual price increase of 2.4%. 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 2 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 2 year cost of $55,540.00. 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 Reading Area Community College.

Annual2 Year Degree
Estimated Cost in 5 years for students enrolling in 2028$36,328$72,657
Estimated Cost in 10 years for students enrolling in 2033$46,365$92,731
Estimated Cost in 15 years for students enrolling in 2038 $59,175$118,350
Estimated Cost in 18 years for students enrolling in 2041 $68,503$137,005


Use the calculators below to formulate a college savings plan for Reading Area Community College 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 Reading Area Community College 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 Reading Area Community College student loan.

Prepayment Option

About Reading Area Community College

Reading Area Community College is a two year community college located in Reading, Pennsylvania.  Full time enrollment is 895 and part time is 3,842.  Reading Area Community College 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 Reading Area Community College at CollegeSimply.

Only undergraduate degrees are offered at this school.

Reading Area Community College
10 S Second St
Reading, Pennsylvania

For Profit / Not For Profit Status

Reading Area Community College 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.

Reading Area Community College cost and financial aid data source: U.S. Department of Education IPEDS survey data. Data last updated February 2023 and reflects academic year 2021/2022 costs reported by the school.