Choosing the right University can be stressful, especially if you are worried about the cost and taking out student loans to pay for your education. Getting a higher education is pricey, no matter where you choose to go to school, but if you are trying to cut costs while also getting a degree from a reputable school there are a few schools that you may want to include on your list of applications.
When you are choosing which schools you would like to apply to, you will want to consider what school is best for the degree you want, any scholarships you can get, and the reputation of the school itself.
We would all love to be able to go to the school of our choice, but for most people, this isn’t a reality. For the majority of Americans, the cost of school is a major issue and is a determining factor in deciding which schools to apply for. Below is a list of the top 10 most affordable schools worth getting a college degree for less than $10,000 a year.
These schools are ranked from highest to lowest according to US News’s list of top schools under $10k. For these, we only included public school and left out private universities. You also won’t find any for-profit colleges on this list.
Whether you are just out of high school, or an adult looking to go back to school, check out these universities when you are applying for college.
10 Low-Cost Universities You Should Consider
In-State Tuition: $6,502
Out-of-State Tuition: $9,084
Room and Board: $7,624
Student Population: 1,130
Location: Mayville, ND
Mayville University is part of the North Dakota University system. They pride themselves on providing quality education at cost students can afford. With a small campus and a small student population, the school offers smaller class sizes and the ability to offer more a more personal service to students. In fact, because of the small size population at the school, there is an instructor for every 13 students and an average class size of 15 students. This is much smaller than you’d find at larger universities, which often lack the personal attention due to there being so many students. The college offers part-time, full-time, and online degree plans.
In-State Tuition: $6,456
Out-of-State Tuition: $9,150
Room and Board: $6,724
Student Population: 1,386
Location: Dickinson, ND
Dickinson State University is another school that is part of the North Dakota University system, providing a high-quality education at an affordable rate. Dickinson State University has been awarded several top rankings. In 2018, they were named the most affordable online bachelor’s degree in finance by Master of Finance, and in 2017 they were named the best college in North Dakota for economic mobility by Zippia.
In-State Tuition: $7,557
Out-of-State Tuition: $9,418
Room and Board: $7,196
Student Population: 9,901
Location: Canyon, TX
West Texas A&M is part of the Texas A&M University system and has a larger student population than the previous two schools. This school provides affordable education, and even covers the tuition cost of Texas residents who have an annual family median income of $40,000 or less. This is known as the Buff Promise, and it could help you graduate from college tuition free. This promise awards more than $36 million in assistance every year. The school also provides eight master’s degrees and one doctoral degree.
In-State Tuition: $7,124
Out-of-State Tuition: $8,274
Room and Board: $10,970
Student Population: 6,524
Location: Odessa, TX
The University of the Permian Basin is part of the University of Texas system and is named for the area in which it is located. The Permian Basin is the most prolific oil and natural gas geologic basin in the United States and one most studied geologic regions of the world. UTPB consistently ranks as one of the top 5 public colleges in Texas for employment once students leave school. It has also made the ranking of top 35 public schools in Regional Universities West according to U.S. News and World Report.
The University offers 35 undergraduate programs and 18 graduate programs, including its doctoral program for nursing, and has one of the best engineering programs for undergrads. They also boast a 70% acceptance rate for medical students who are continuing to other universities for their graduate degree. And, it is no surprise that they are known for their affordability while being able to offer a high-quality education.
In-State Tuition: $6,888
Out-of-State Tuition: $6,888
Room and Board: $9,731
Student Population: 3,420
Location: Lorman, MS
Alcorn State University is part of the Mississippi Public Universities system and is nationally recognized for its excellence in liberal arts, agriculture research, technology, music, and nursing. The University offers low tuition, charging the same amount for in-state and out-of-state students. If you don’t want to pay the higher out-of-state tuition fees of other universities, you may want to consider Alcorn State University. They also have a smaller student population in comparison to larger universities, which means you will get a more personalized experience.
In-State Tuition: $8,311
Out-of-State Tuition: $9,961
Room and Board: $7,640
Student Population: 3,551
Location: Arkadelphia, AR
Henderson State University has been in service for over 125 years and continues to strives for excellence in education. The University understands that your education is a big commitment and so are committed to providing an education that people can afford. They offer 52-degree programs and has a student to faculty ratio of 16:1.
In-State Tuition: $8,644
Out-of-State Tuition: $8,644
Room and Board: $8,162
Student Population: 5,120
Location: Bemidji, MN
Bemidji State University offers a variety of undergraduate and graduate programs, both on-campus and online. They are one of nine post-secondary institutions nationwide to be honored with a 2017 U.S. Department of Education Green Ribbon Schools Postsecondary Sustainability award and offers one of the most affordable online engineering programs in the country. Not only is Bemidji State University committed to environmental stewardship, community service and global understanding, they are also committed to providing students with a high-quality, affordable education.
In-State Tuition: $3,250
Out-of-State Tuition: $9,588
Room and Board: N/A
Student Population: 2,783
Location: Atlanta, GA
This is the second most affordable school on our list, but it still is known for providing quality education that almost anyone can afford. Atlanta Metropolitan State College is part of the University System of Georgia. They also offer flexibility in how you receive your educations, as 100% of its General Education courses, as well as it’s Associate’s Degree in Business Administration, can be taken online. 70% of their remaining courses can also be found online, offering a convenient way to get an education while holding down a full-time job.
In-State Tuition: $6,246
Out-of-State Tuition: $8,096
Room and Board: $9,934
Student Population: 1,741
Location: Wilberforce, OH
Central State University is located in Wilberforce, Ohio and offers a wide range of degrees at an affordable price. Plus, with a low student body and a student to faculty ratio of 13:1 and an average class size of under 20 students, you will get a more personalized experience. The University is ranked #62-#80 in Regional Colleges Midwest.
In-State Tuition: $3,120
Out-of-State Tuition: $8,950
Room and Board: $4,560
Student Population: 2,274
Location: Marianna, FL
Chipola College offers the most affordable education on our list and a low student population. This is also our only community college on the list and has been recognized as one of the nations top 150 community colleges. Chipola College offers ten different bachelor’s degrees in education, business, and nursing. If you want to start with a quality community college, before transferring to a major university, this is one place you may want to consider as they are known for their ability to prepare and transfer students to larger universities.
Why Choosing a Low-Cost University Can Save You Big
By choosing a school with low tuition, you can earn your degree and minimize your student loans. While we would all love to go to major universities that cost tens of thousands of dollars every year, but the reality is that is not an option for most students. But that doesn’t mean you should throw out your goals of getting a degree so that you can get that job you’ve always wanted.
When you go to get your undergraduate degree, look for an affordable university instead of racking up student debt that will take you years to pay back. These universities offer low tuition that can fully, or mostly covered by a side hustle.
Another great aspect of these universities is that they have low out-of-state tuition rates and many of them also offer scholarships for students in need. Plus, many of them offer on campus and online degree programs.
How to Save Money on Your Student Loans
FInd a school that fits your budget, and then worry about how you will pay for that education, whether it is through student loans or trying to pay out of pocket. There are several ways for you to save money, earn additional cash, and minimize your student loan debt.
You can save money on your student loans while you are in school by only taking out what you need, cutting back expenses while you are in school, and by paying back your loans as soon as you can.
You can also find alternative ways to pay for school other than taking out student loans. Try looking for scholarships, applying for grants, or look for an employer that offers tuition reimbursement. You can also pick up a part-time job or a side hustle while you are in school. Side hustles, especially those that are app-based, are especially useful because they allow you to make money on your time, so your job doesn’t get in the way of your schooling. If you are going to pay for school, put it first.
Originally published at www.studentloandiet.com on July 27, 2018.