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#9 Best Private Colleges in Massachusetts

Holy Cross Tuition & Cost

Worcester, Massachusetts

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How much does it cost to attend?

Sticker Price

$74,520
Costs for College of the Holy Cross
Fee Cost
Tuition$55,800
Other Fees$740
Books and Supplies$1,000
Room and Board $16,080
Other Expenses Budget$900

Annual Tuition & Costs

The annual tuition to attend College of the Holy Cross is $55,800. The cost is the same for both in-state and out-of-state students. Room and board fees are an additional $16,080. For educational materials, students should allocate approximately $1,000 for books and supplies plus $740 for other fees charged by the school. Finally, students should budget $900 for miscellaneous expenses throughout the year. With all these fees considered, the expected total cost to attend College of the Holy Cross on a full-time basis is $74,520 per annum.

Housing Costs

On campus room and board is provided by the school at a cost of $16,080 per academic year. Students electing to live off campus elsewhere in Worcester should budget at least this amount.

Books and Supplies

The estimated annual cost for books and educational supplies is $1,000.

Other Living Expenses

If living on-campus, students should budget for $900 in additional living expenses. Off-campus students should budget for $900 in other miscellaneous living expenses.

All price data is sourced from the 2021/2022 U.S. Department of Education National Center for Education Statistics survey.
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Net Price

The average reported annual net price for College of the Holy Cross for students receiving grants or scholarship aid was $32,061* in 2019/2020. Net price includes tuition and required fees, books and supplies, and average cost for room and board and other expenses.

Average Net Price 2019/2020

$32,061

Below is the average net price by student family income.

Net Price by Income College of the Holy Cross
Family Income Net Price Paid
$0 to $30,000$14,544
$30,001 to $48,000$17,357
$48,001 to $75,000$20,142
$75,001 to $110,000$31,109
$110,000+$51,523

The net price provides a more realistic estimate of the true cost of attending College of the Holy Cross, once common grants and scholarships have been taken into account. It's important to note that your net price will fluctuate based on factors such as family income, assets and individual financial need. Net price is the out-of-pocket total cost that students end up paying or financing though student loans.

*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.

Financial Aid

71% of full-time undergrad College of the Holy Cross received financial aid in the form of grants, scholarships, fellowships from the institution or from Federal, State or local government agencies. This aid averaged $39,417 per student during the 2019/2020 school year. Grant and scholarship aid does not need to be paid back.

Pell Grants

19 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 $4,692. To apply for a Pell Grant to attend College of the Holy Cross, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Student Loans

49% of students received Federal Student Loans averaging $5,199 and 25% of undergrads took out private student loans averaging $2,410.

Finanical Aid College of the Holy Cross
Type Avg./Student Students Receiving
Total Grant and Scholarship Aid $39,417 71%
Institutional Grants and Scholarships $36,910 64%
Pell Grants $4,692 19%
Other Federal Grants $3,948 11%
State and Local Grants $3,336 8%
Federal Student Loans $5,199 49%
Other Student Loans $2,410 25%

Financial Aid Mix - $74,520 Total Cost

CollegeSimply has modeled example payment coverage for the annual tuition and living expenses of $74,520. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

54%
7%
39%

Grants and Scholarships

54% - $39,417

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

Federal Student Loans

7% - $5,199

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

Out of Pocket Cost

39% -  $29,004

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

Student Loans

To gauge a more realistic picture of what it really could cost you out of pocket to go to College of the Holy Cross, we've modeled a ten year student loan with an original principal value of $128,244. The loan balance of $128,244 is a four year multiple of the $32,061 average net price. This is a estimate of what you could owe upon graduation if you were to qualify for average financial aid and what a degree really may cost. Should you not qualify for financial aid, you may owe significantly more when you graduate. Based on these assumptions, a monthly repayment of $1,392 could be required to pay off your student loan. The total of all payments including interest would sum $167,014.13.

Please note that financial aid is not guaranteed and is only available for qualifying students. Federal Student Loans are not grants and must be repaid with interest. The current Stafford loan interest rate is 5.5%.

Example Loan $128,244
Stafford Loan Interest Rate 5.5%
Time to Pay Off Student Loan 10 years
Example Monthly Payment $1,391.78
Total Interest Paid $38,770.13
Sum of All Loan Payments $167,014.13

Student Loan Affordability

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 College of the Holy Cross, should 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 $167,014.13 would be needed to afford a $1,391.78 monthly payment in the example $128,244.00 loan modeled above. This assumes a repayment over 10 years. You can change the terms of this example loan using the student loan calculator below. View statistics about College of the Holy Cross student loan debt and graduate salaries under student outcomes.

Projected 4 Year Degree Price

4 Year Sticker Price

$298,080
Year All Residents
1 $74,520
2 $76,836
3 $79,224
4 $81,686

Based on published tuition prices, we estimate the current cost of a 4 year bachelor's degree and living expenses at College of the Holy Cross to be $298,080 - assuming graduation in normal time. The estimation assumes a 3.1% annual increase over the next 4 years which has been the recent trend for this school.

Credit Hour Cost and Price per Class

Credit Hour and Class Costs at College of the Holy Cross
Price Per Credit 3 Credit Class 4 Credit Class
All Residents $1,744 $5,232 $6,976

Estimated cost for a class at College of the Holy Cross based on published credit hour prices. Note that not all schools allow single class enrollment. These prices should be used for comparison purposes as to how much it may cost to take a class at College of the Holy Cross versus other colleges.

Tuition Payment Plans Available

College of the Holy Cross Payment Plans
Tuition Payment Plan Yes
Prepaid Tuition Plan No
Alternative Tuition Plan Yes
Guaranteed Tuition Plan No

Tuition History

Historical tuition and price increases for College of the Holy Cross.

YearTuitionAnnual Increase
2021$55,8003.2%
2020$54,0500%
2019$54,0503.7%
2018$52,1004.2%
2017$49,9803.5%
2016$48,2953.7%
2015$46,5503.3%
2014$45,0803.3%
2013$43,6606.7%
2012$40,9104%
2011$39,3301.6%
2010$38,7224%
2009$37,2426%
2008$35,1425.5%
2007$33,3135.9%
2006$31,4445.9%
2005$29,6866%
2004$28,0115.9%
2003$26,4405.7%
2002$25,0205.1%
2001$23,8154%
2000$22,9104.1%
1999$22,0054.4%
1998$21,0807%
1997$19,7004.2%
1996$18,9005%
1995$18,0004.7%
1994$17,2005.5%
1993$16,3005%
1992$15,5307.1%
1991$14,50015.1%
1990$12,6009.6%
1989$11,50013.9%
1988$10,1007.4%
1987$9,400

Is it Worth the Cost?

To make a comparative assessment if Holy Cross is worth the price, measures of it's relative value for tuition dollar can be examined. We've calculated an academic national percentile rating of 82.34/100 for College of the Holy Cross. Considering an average net price paid of $32,061, this leads to an overall value ranking of 64/100. This places the school 101st on our national Best Value Colleges ranking as a provider of a very high value education compared to actual overall price paid.

College Savings Calculator

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Discover how much will you need to start saving now to afford College of the Holy Cross 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 College of the Holy Cross student loan.

Prepayment Option

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Primary data source, U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=166124 IPEDS survey data for College of the Holy Cross.