Affordable Education Programs
Affordable education programs balance tuition rates with total program cost. Comparing cost per credit and total credits required provides a clearer picture.
$12,695Median Debt (Associate)College Scorecard
$23,352Median Debt (Bachelor's)College Scorecard
$29,724Median Debt (Master's)College Scorecard
Quick Answers
What makes a program affordable?
Affordability depends on tuition, fees, transfer credits, and available aid.
How can I reduce total cost?
Look for transfer-friendly schools, scholarships, and accelerated pacing options.
Should I compare price per credit?
Yes. Compare tuition per credit and estimate total credits required.
At a Glance
- Compare: Tuition per credit and total credits required
- Check fees: Technology, labs, practicum, and student teaching fees
- Transfer credits: Can significantly reduce total cost
- Financial aid: Scholarships and aid matter more than sticker price
- Median debt range: $12,695 (associate) to $29,724 (master’s) (College Scorecard)
For a full overview of program options, start with the Education Program Guide.
Cost and earnings by degree level
| Level | Median Debt | 1yr Median Earnings | 5yr Median Earnings | Debt-to-Earnings Ratio (1yr) |
|---|---|---|---|---|
| Certificate | $15,762 | $28,038 | $28,396 | 56.2% |
| Associate | $12,695 | $24,507 | $33,878 | 51.8% |
| Bachelor’s | $23,352 | $42,026 | $47,588 | 55.6% |
| Master’s | $29,724 | $56,255 | $63,222 | 52.8% |
Source: U.S. Department of Education College Scorecard, latest academic year.
Education graduates may qualify for Public Service Loan Forgiveness (PSLF) after 120 qualifying payments while working full-time for a qualifying employer, which includes most public schools and nonprofits. This can significantly reduce the effective cost of a degree.
Cost factors to compare
- Tuition per credit and total credits required
- Fees for technology, labs, or practicum
- Student teaching placement costs (travel, fingerprinting, background checks)
- Transfer credit acceptance
- Financial aid or scholarships
Cost-saving strategies to consider
- Confirm transfer credit policies before you apply
- Ask about credit for prior learning, if available
- Compare part-time and accelerated pacing tradeoffs
- Review total fees, not just tuition
- Investigate TEACH Grant eligibility ($4,000/year for students who commit to teaching in high-need fields)
- Check if your school district offers tuition reimbursement
If you are eligible, confirm in-state tuition options or regional reciprocity benefits.
For financial aid details, see: Financial Aid for Education Programs