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College tuition prices have skyrocketed over the past several decades, a situation that’s contributed to record-breaking levels of student debt. According to the Federal Reserve, Americans owed over $1.5 trillion in student loans in the fourth quarter of 2018.

But tuition rates and published sticker prices are not entirely indicative of the cost of college today.

Private non-profit, four-year schools have some of the highest four-year graduation rates and graduate some of the highest-earning students — but they also have the biggest sticker prices.

During the 2018-2019 school year, the reported tuition at private non-profit four-year schools was an average $35,830. But in reality, many students end up paying far less after grants and scholarships are factored in. The average net price of tuition and fees in 2019 is $14,610.

And that applies even at ratified institutions like Harvard University. Though tuition at Harvard is $47,730, and the cost of attendance can be as much as $78,200, many students end up paying significantly less.

According to Harvard’s website, tuition costs for the 2019-2020 school year total $47,730, fees are $4,195, and room and board costs $17,682 for a subtotal of billed costs of $69,607.

After estimating personal expenses like text books ($4,193) and travel costs ($0-$4,400), Harvard estimates total billed and unbilled costs of about $73,800-$78,200 per year to attend the prestigious school — up from $71,650-$76,650 the previous year.

But the school reports that about 70% of Harvard students receive some form of financial aid, and claims that students whose parents make less than $65,000 are not expected to contribute any funds, and that “90% of American families would pay the same or less to send their children to Harvard as they would a state school.”

About 55% of Harvard students receive need-based scholarship aid with average grant totals around $53,000.

The school states that families with students who receive scholarship funds pay an average of $12,000 towards their education per year and that students from families that earn between $65,000 and $150,000 typically contribute between 0% to 10% of their income towards the cost of attending Harvard each year.

Harvard, like many other schools, offers a net price calculator to help students estimate how much their families would be expected to pay.

Harvard Tuition

Harvard University’s tuition is $55,587. Compared with the national average cost of tuition of $41,281, Harvard University is more expensive.

These figures include both tuition and fees, also referred to as the sticker price. Fees differ by institution and may fund library services, student gym facilities, student centers, technology resources and campus health centers.

As you’re comparing costs of different institutions, also consider the total cost and the net price. The total cost is the sticker price, plus the cost of room and board, books and supplies, and transportation and personal expenses. At Harvard University, the total cost is $75,891. The net price is the average cost of the university after aid and scholarship funds are discounted from the total cost, which comes in at $20,023 for the average student receiving need-based aid.

Harvard costs what your family can afford. They make sure of that.

• For families who earn between $65,000 and $150,000, the expected contribution is between zero and ten percent of your annual income.

• Families who earn more than $150,000 may still qualify for financial aid.
• For more than ninety percent of American families, Harvard costs less than a public university.
• All students receive the same aid regardless of nationality or citizenship.

You can get more information on financial aid fact sheet You can also compare Harvard’s cost to that of other schools with the MyinTuition Quick College Estimator.

Harvard University Tuition Estimator

The total undergraduate fees for Harvard University are $53,968 and the total graduate fees are $50,654. 42% of students at Harvard University receive grants or scholarship aid and the average grant amount is $52,257. After receiving the financial

The undergraduate tuition and fees are $56,731 per year for private (not-for-profit) research universities with very high research activity.

This table shows year 2020 to 2021 undergraduate tuition and fees

Year	Tuition & Fees	On Campus Room & Board, Other Expenses
2019-2020	$51,925	$20,875
2020-2021	$53,968	$20,989
Change % 2020-2021	3.93%	0.55%
2021-2022	$56,091	$21,104

This table shows a 4-year tuition and fee for class of 2025 to 2029

	Admission Year	Freshmen	Sophomore	Junior	Senior	4 Years Total
Class of 2025	Fall 2021	$55,223	$56,507	$57,820	$59,165	$228,715
Class of 2026	Fall 2022	$56,507	$57,820	$59,165	$60,540	$234,032
Class of 2027	Fall 2023	$57,820	$59,165	$60,540	$61,948	$239,473
Class of 2028	Fall 2024	$59,165	$60,540	$61,948	$63,388	$245,041
Class of 2029	Fall 2025	$60,540	$61,948	$63,388	$64,862	$250,738

Net Price Calculator for International Students

Use the Student Loan Calculator to evaluate if you will be able to afford Harvard, or any other college.

The net price Calculator for international students will give you the opportunity to select the factors that are true for you.

I Currently Live:

• in Massachusetts
• someplace else

I Plan to Live:

• on campus

Grants and Scholarships:

• definitely
• maybe
• not likely

Loans:

• all sources
• federal only
• none

Estimated Cost for YouThis is what the college will likely charge you in this scenario.	$73,800
Aid (Grants and Scholarships)Money given to you to offset the cost of college.	$55,455
Estimated Net PriceThis is what you can expect to pay (or pay back).	$18,345
LoansMoney you borrow to cover the cost of college. You will have to repay this eventually.	$5,770
Out of PocketMoney you need to come up with each year to attend college.	$12,575

Harvard Tuition for International Students

The Harvard admissions process is need-blind, which means having money doesn’t necessarily mean you’ll be accepted to the school. Applying for admissions and to Harvard’s financial aid program is completely based on merit—not money.

The tuition and fees refer to the amount the college charges each student for one year of attendance. For the 2022-2023 academic year, students paid a total of $46,858 in tuition and fees.

In the past five years, the average increase in tuition and fees were 3.5% and 3.4%, respectively.

All international students who wish to attend college in the US are usually charged full tuition and sometimes this also includes some extra fees not applicable to local students. However, some schools offer scholarships meant specifically for international students.

A four-year undergraduate degree program at Harvard University costs around $200,000 without room and board or any other fees. Financial aid can significantly cut down the out-of-pocket expenses for those who qualify and need it the most.

The university states that one of its main goals is to be more affordable and doesn’t require students to take out loans to fund their education. Students whose household income falls between $65,000 and $150,000 usually contribute between 0% and 10% of their annual income toward costs. Anyone with a household income above that threshold may still qualify for financial aid. Those whose incomes are below $65,000 won’t pay anything.

Harvard may have one of the country’s highest tuition rates, but many students pay far less—thanks to a strong financial aid program. Either way, research suggests that an education at this illustrious school is a terrific long-term investment if you can afford.