레이블이 명문대학인 게시물을 표시합니다. 모든 게시물 표시
레이블이 명문대학인 게시물을 표시합니다. 모든 게시물 표시

2025년 7월 1일 화요일

교육 컨설팅의 정의와 필요성

 대학 입시가 해마다 어려워지고 있다. 대학마다 인종별 출신국가별 학생수가 고정돼 있는 것도 비밀아닌 비밀이다. 또한 미국에서 대입을 겪어보지 않은 이민 가정에는 더 고충이 있게 마련이다. 그래서 예전에는 없던 분야가 생겼는데 그것이 바로 교육 컨설팅, 구분해서 설명하면 대입 컨설팅 분야다. 대입 컨설팅이 무엇인지 누가 필요한지 좋은 선택은 무엇인지 알아보자.

  ▶교육 컨설팅의 정의
 대입 컨설팅은 교육비에 높은 프리미엄을 지출할 수 있는 경제적으로 풍요한 학부모들이 비용을 지불하고 자녀들이 ‘맞는 학교’(right school)에 진학하도록 도움을 주는 서비스다. 양민 박사는 “맞는 학교는 학생과 학부모의 인생관에 달려있다”면서 “컨설턴트는 필요한 정보나 프로페셔널한 조언을 제공해서 학생과 학부모가 목적을 달성하도록 돕는 사람”이라고 말했다. 한인의 경우 맞는 학교가 랭킹이 높은 명문대학에 집중돼 있다. 결국 학교를 잘들어가기 위해 받는 서비스다.

 ▶부모세대에는 없었다
 80년대 미국에서 대학을 다닌 사람들에게는 선뜻 이해가 안되는 분야다. 대학을 입학하는데 경영컨설팅 받듯 컨설팅을 받아야 한다는데 거부감이 있다.
 하지만 부모세대가 대학을 들어간 시대에는 지금보다는 대학 들어가기가 수월했다는 증언이 있다.
 교육 카운슬러인 양민 박사는 “그 당시 대학 진학율은 25%에 불과했다. 공부 잘하는 애들만 가는 그런 곳이었다”고 설명한다. 당시엔 한인 학생도 소수계로 분류돼 UCLA같은 명문대에 쉽게 진학했다. 캐플란은 있었지만 SAT프렙 같은 분야는 존재하지 조차 않았다.
 최근 25주년을 맞은 엘리트 교육 그룹도 SAT프렙을 시작한 시기다. 컨설팅이나 SAT공부는 길어야 25년 정도 밖에 안된 분야다.
 현재 현실이 컨설팅이 필요한 쪽으로 몰고 있다. 학교 카운슬러에게 배정된 학생숫자다. 명문 공립고교도 250~500명을 맡는다. 9~12학년까지 그 많은 학생들에게 추천서를 써 주는 것이 현실적으로 가능한 것일까. 추천서도 그렇지만 과목별, 활동별 조언은 어떻게 하나. 특히 한인 학생중 외향적이지 못한 경우라면 귀동냥도 어려울 수 있다.
 학생에게는 대입은 한번뿐이다. 경험이 있을리 없고 대입 프로세스는 당연히 처음 겪는 일이고 특별히 우수한 학생이 아닌 이상, 자신의 성적과 조건으로 갈 수 있는 대학이 어디인지 정확히 알 수가 없다. 이런 경우 카운슬러가 필요한데 그저 500명중 한명일 뿐이다.

 ▶대입 컨설팅이 필요한 학생
 학생 스스로 자신의 일을 잘 해낼 뿐 아니라 자신의 꿈과 목표가 잘 정의돼 있고 목표를 향한 열정에서 필요한 일을 잘 수행하기도 한다. 이런 경우 카운슬러나 컨설턴트의 지도나 코칭이 필요하기 보다는 중간 점검을 해주는 정도면 충분한 학생이다. 혹시라도 사소한 실수가 있더라도 이런 학생은 꾸준히 자신의 실수와 성공으로 부터 배운다. 하지만 그렇지 않은 경우 컨설팅이 필요할 수 있다.
 첫째 자신의 목표가 불분명한 경우다. 성인이 돼서 어떻게 살겠다는 비전이 없다. 대학 진학의 특별한 이유도 없다. 당연히 대학이나 전공을 선택하지 못한다.
 둘째 자신감이 결여된 경우다. 자신의 의견을 잘 표현할 줄 모른다. 역시 부모와도 대화가 단절되고 부족해서 부모도 학생이 어떤 것을 원하는지 모른다.
 셋째 책임감이 부족한 경우다. 자신이 해야할 일을 제때 하는데 어려움이 있다. 역시 마감일을 지키지 못한다.
 넷째 핸디캡이나 특이점을 가지고 잇다. 다른 학생에 비해서 불리한 조건이 있다.
 다섯째 가정내에 문제가 있다. 가족 구성원간에 커뮤니케이션에 어려움이 있다.
 여섯째 이상과 현실간에 괴리가 있다. 꿈이 너무 원대한 경우나 자신의 장단점을 잘 모르고 있다.
 일곱째 목표는 있으나 목표 달성을 위한 방법을 모른다. 원하는 학교로 진학을 위해서 무엇을 해야 하는지 모른다. 역시 카운슬러나 학부모가 적절한 도움을 제공할 수 없는 경우다.
 
   장병희 교육저널리스트
 

대입 컨설팅의 찬반 논란


 12학년 자녀를 둔 학부모들의 마음이 바빠졌다. 이럴 때 꼭 던지는 질문이 있다. ‘대학 입학 컨설팅, 꼭 해야하나?’
대학 입학을 인생에서 가장 중요한 선택의 하나로 생각하는 한인 학부모들은 12학년 자녀들의 성공적인 대학입학을 위해 뭐라도 할 입장이다. 이럴 때 에세이 작성, 지원서 작성, 대학 선정을 도와준다는 서비스에 관심이 가는 것은 당연하다. 게다가 ‘누구네 집은 이미 여름방학 때부터 한다더라’, ‘저 집도 계약했다더라’는 이야기를 들으면 ‘우리 집만 뒤쳐진 것은 아닌가?’하는 불안감마저 생긴다.
그럼에도 이를 쉽게 ‘저지를 수 없는’ 사정이 있다. 돈 문제다. 그것도 일시에 상당한 액수가 오간다. 중산층 학부모로서도 허리가 휠 정도다. 결국 대학 입학 컨설팅, 이렇게 해야할지 저렇게 해야할지 고민만 쌓여간다. 대학 입학 컨설팅, 어떻게 해야할까?

대입 컨설팅이 증가하는 이유

우선 기억해둘 것. 대학 입학 컨설팅을 늘 지금같지는 않았다. 물론 이전에도 대학 입학 컨설팅이 있었다. 하지만 그때는 ‘백인 부자들이 자식들을 위해 하던 귀족 교육서비스’라는 인상이 강했다. 액수도 몇만불이 오가는 등 그림의 떡이었다. 그런데 이게 2005년 무렵부터 한인 커뮤니티에 퍼지기 시작했다. 그리고 이제는 상당한 마켓을 형성하고 있다. 한국에서 교육관련 일에 종사하는 A씨는 “특히 한국 거주 부모들은 결국에는 100% 대입 컨설팅에 의존하는 것같다”고 말한다. 남가주에서 고등학생을 대상으로 한 학원을 운영하는 B씨는 “우리 학원의 12학년생들 중 60-70%는 어떠한 형태로든 대입 컨설팅을 이용하고 있다.”고 말한다. 어바인 지역에서 교육 관련 일에 종사하는 C씨는 “어바인의 지역 특성상 12학년 학생들의 절반 정도가 이 서비스를 이용하는 것같다”고 말한다. 대입 컨설팅 업체를 경영하는 D씨는 “작년보다 의뢰학생들이 늘었고, 이제는 연중 고르게 요청이 온다는 것이 새로운 특징”이라고 말한다. 요는 대입 컨설팅은 계속 늘어가고 있는 것이다. 이진화 대입 카운셀러는 “세금 보고시 회계사를 고용하듯, 대입에서도 전문 컨설턴트를 고용하는 것은 주류사회에서는 상식”이라며, “한인 사회에서도 이제는 대입 컨설팅을 하나의 전문 서비스로 인정해가는 경향이 늘었다”고 소개한다.
무슨 사정이었을까? 2005년 전에는 그저 학원 원장이나 주변의 대학생들, 교육 관련 신문을 통해 정보를 얻어 대학을 진학하던 것을, 왜 이제는 통과의례처럼 대학 입학 컨설팅에 의존하게 되었을까?
가장 중요한 배경은 치열해진 경쟁이다. 아다시피 베이비부머 세대의 후손들이 대학에 진학하는 시기를 맞아 2009년 미국 대학입학은 최고의 경쟁을 치뤄내야했다. 그리고 그 여파는 앞으로도 최소한 5년간 지속될 것이라는 것이 전문가들의 견해. 매년 2만명 정도가 지원했던 하버드 대학이 50%가 늘어 3만명이 지원하고 있는 것, 대학원서를 대개 6개 정도 쓰던 것에서 이제는 10개, 나아가 20개까지 쓰는 학생이 나타날 정도가 된 것 등이 그 구체적인 예가 된다. 결국 경쟁은 치열해지고, 또 훨씬 많은 대학에 지원해야하니 여기에서 ‘전문가의 도움’이 필요하게 된 것이다. 대입 컨설팅이 확산되는 근본적인 배경이 여기에 있다.

대입 컨설팅에 대한 찬성의 입장

대입 컨설팅에 찬성하는 입장인 사람들은 ‘현실적인 필요’를 들어 그 이유를 설명한다.
첫번째로 한인 부모들의 미국 대학 입학 경험이 없는 것. 한국에서 대학을 나온 부모들이 다수인 상황에서 미국 대학 입학은 문턱이 너무 높아보인다는 것.
두번째로는 핵가족. 형제자매라도 많으면 그 경험으로 동생들을 지도할 수 있는데, 요즘은 1명 내지 두명의 자녀를 두는 것이 대다수라 대학 입학 경험이 전수되지 않는다.
세번째로는 복잡하기 짝이 없는 미국 대학 입학. 우선 조기입학과 정기입학이 나눠지는데, 조기입학만 해도 종류가 3가지다. 대학은 4000개가 넘어 4년제만 골라도 2500개다 여기서 내 아이에 맞는 대학을 10개 정도 골라내기란 한강 모래사장에서 바늘 찾기. 거기다 입학지원서도 Common Application이 생겨 많이 편해졌지만, UC는 별도의 지원서를 쓰고, MIT같은 곳도 별도의 지원서를 쓴다. 일반 학부모의 경우엔 ‘공부’해야할 것이 너무 많다.
네번째로 에세이. 영어를 읽고 이해하는 정도의 실력이 대부분인 한인 커뮤니티에서 요즘 대학 입학에서 중요하다고 하는 에세이를 도와주는 것은 불가능에 가깝다.
다섯번째로 공립학교 카운슬러가 태부족한 것. 카운슬러 한명이 수백명을 상대해야하는 조건에서 귀하고 귀한 내 자녀만을 위해 특별한 시간을 내주기를 기대하는 것은 불가능하다는 것.
결국 이상과 같은 현실적인 필요에서 대입 컨설팅은 필수불가결하다는 것. 대입 컨설팅에서는 에세이도 지도해주고, 지원서 작성도 봐주며, 지원할 대학도 선정해준다. 인터뷰가 있을 경우 인터뷰 요령까지 지도해준다. 학부모들은 ‘하나 밖에 없는 자식, 대학을 간다는데…’하고 눈을 질끈 감고 지갑을 열게 되는 것이다.

대입 컨설팅에 대한 반대의 입장

대입 컨설팅에 대해 반대 입장을 가진 사람들 입장의 핵심은 ‘대입 컨설팅의 효과가 너무 부풀려 선전되고 있다’는데 있다.
첫번째, 미국 대학 입학은 고교 전체 생활의 각종 기록으로 도전하는 것이다. 12학년 때 갑자기 대입 컨설팅을 받는다하여 이 기록 자체를 바꿀 수 없다. 다만 보기 좋게 표현하는 것 정도를 할 수 있다. 결국 대입 컨설팅보다 중요한 것은 고교 생활을 충실히 하는 것.
두번째, 예를 들어 Common Application을 보면, 학생 스스로 작성하는 분량은 절반이 채 되지 않는다. 그보다 많은 분량을 선생님과 카운슬러가 작성해서 보낸다. 여기에 서로 다른 입장이 보이면 입학사정관은 고개를 갸우뚱한다. 그리고 선생님과 카운슬러의 견해를 더 신뢰한다. 결국 학생, 선생님, 카운슬러가 보내는 서류가 모두 일치하고 잘 작성되어야 좋은 결과를 갖게 되는데, 학생들 지원서만 반짝거리게 만들어봐야 그 효과가 떨어진다는 것.
세번째, 에세이. 에세이가 요즘 중요하다하지만, 입학사정관들이 중시하는 요소에서 4위에 그친다. 그보다 더 중요한 것은 GPA, SAT, 특별활동 기록들. 에세이만 잘 쓰면 기적이 일어나는 것처럼 이해해서는 곤란하다는 것.
네번째, 인터뷰 역시 몇차례의 인터뷰 연습으로 그동안 자신이 쌓아온 ‘인상’을 한번에 개선할 수 있을 것이라고 생각해서는 안된다는 것. 마치 회사의 인사 담당자들이 문을 열고 들어오는 지원자의 첫 모습만 봐도 대충 파악하듯, 대학의 입학사정관들도 학생들 눈매만 봐도 그 학생을 파악해낸다는 것.
결국 이상과 같은 점을 감안할 때, 대입 컨설팅의 역할은 축소해서 이해해야한다는 것이 반대 입장의 핵심이다.

한인 커뮤니티의 대입 컨설팅 추세

현재 한인 커뮤니티에는 여러가지 형태의 대입 컨설팅이 제공되고 있다.
첫번째 유형은, 개인 혼자서 활동하는 경우. 학원을 운영하다 아예 이쪽을 전문으로 한 경우, 명문대를 졸업하고 그 이력을 내세워 활동하는 경우, 카운슬러 마켓이 커지자 이를 전공으로 하여 활동하는 경우, 교육 분야에 종사하다 컨설팅까지 하게 된 경우, 고등학교나 대학에서 카운슬러로 일하다가 전직한 경우 등이 있다.
두번째 유형은, 가장 대중적인 유형으로, 학원과 결부되어 활동하는 경우. 학원으로서는 12학년 부모들의 요구를 수용할 수 있어서 좋고, 대입 컨설턴트로서는 안정적인 운영이 가능해서 좋다.
세번째 유형은, 아예 전문 대입 컨설팅 업체를 차려 활동하는 경우. 어떤 업체의 경우는 카운슬러만 수명을 두고, 활발하게 활동하기도 한다.
비용은 천차만별이다. ‘4년간 풀코스 컨설팅’을 약속하고 수만불을 받는 경우도 있다. 12학년들만을 대상으로 지원서 작성을 돕는 경우에도 만불 이상을 요구하는 경우도 있다. 대개의 경우라면 1000-5000불 사이에서 결정된다. 지원하는 대학의 수가 결정적인 변수가 되고, 서비스를 제공하는 대입 컨설턴트가 스스로에 매기는 가치가 비용을 좌우한다. 에세이만을 봐줄 경우 한번에 수백불을 내는 경우, 혹은 시간당 수십불을 받는다.

어떻게 대입 컨설팅을 활용해야할까?

우선 부모의 대입에 대한 적극적인 관심은 필수다. 대입 컨설턴트에게 의뢰하더라도 이쪽에서 아는 게 많아야 더 정확한 서비스를 받을 수있다. 힘들지만 공부해야한다. 각종 교육 관련 미디어를 꼼꼼히 읽고 입시철이면 여기저기서 벌어지는 설명회에 참가하여 지식을 쌓는다.
두번째로 대입 컨설팅에 지나친 기대를 하면 안된다. 안되는 것을 되게하는 기적은 없다. 우선은 혹시나 있을 수 있는 큰 실수를 사전에 막고, 학생 학


 ‘대입 학생 코치해요’…전문 컨설팅 붐
2006-09-22 16:31 (한국시간)
아무래도 미국교육제도에 생소한 한인학부모들이라면, 특히 아이들이 중학교를 졸업하고 고등학교에 진학하면서는 ‘누군가가 좀 도와준다면…’이란 생각이 들기 마련이다. 아이가 12학년에 접어들면서 대학지원이 코 앞에 다가온다면 아이에게 별 도움이 되지 못하는 미안함과 함께 부모들의 이런 소망은 더욱 간절해진다.
그렇다고 학교 카운슬러가 알아서 가려운 곳을 긁어줄리 만무다. 이런 점에서 최근 한인 학원가에서 새로운 트렌드로 등장하는 ‘전문 대입 컨설팅’은 매우 바람직한 변화로 볼 수 있다. 지난 1~2년새 대입 컨설팅 전문업체가 하나 둘 시작되면서 이제는 SAT전문학원들도 전문 컨설턴트까지 고용하면서 새로운 흐름에 가세하고 있는 분위기다.
한인사회에 대입컨설팅 혹은 칼리지 코치 프로그램이란 이름의 교육상품이 등장한 것은 대학입학준비를 이제는 전문가들의 힘을 빌어 더욱 전문화해야 한다는 인식이 확산되면서다. 이러한 변화는 물론 UC를 비롯해 전국 유수대학의 경쟁률이 갈수록 높아지고 있는 것과 무관하지 않다.
아직 많은 이들에게 생소하지만 분명 새로운 트렌드로 자리하고 있는 ‘전문 대입 컨설팅’은 미 주류사회에서는 이미 오래전부터 교육시장의 엄청난 부분을 차지하고 있는 사업의 일종이다. 인터넷 서치 엔진에서 ‘college counsulting’을 찾아보면 끝도 없이 관련 상품들이 나열되는 것을 확인할 수 있다.
‘전문 대입 컨설팅’이란 일반 고교의 칼리지 카운슬러가 학생들에게 제공하는 서비스를 1대 1로 좀 더 가깝게 접할 수 있는 서비스를 말한다.
단 학교의 칼리지 카운슬러들은 100~1000명에 이르는 학생중 한 명의 자격으로 만나야 하기 때문에 그만큼 만나볼 시간도 얻을 수 있는 정보도 충분하지 못하지만 전문 컨설턴트는 학생 개개인에게 일대일 맞춤서비스를 제공한다는 차이가 있다.
게이트웨이 아카데미의 유수연 원장에 따르면 전문 대입 컨설턴트는 학부모와 교사 카운슬러의 역할까지 맡아야 한다고 말한다.
특히 미국교육제도에 생소한 한인 1세 학부모들은 대학 입학을 눈앞에 둔 자녀들에게 어떤 조언도 해 줄 수 없어 안타까와하는 경우가 많은데 바로 전문 컨설턴트가 부모의 이러한 모자란 자리를 메워준다는 것이다.
아이비드림의 이정석 원장은 전문 컨설턴트를 고용할 경우 학생 뿐 아니라 학부모들의 답답함도 충분히 해결할 수 있다고 말한다.
이 원장은 “자녀들의 대입준비가 어느 정도 진행되고 있는 지 지망대학에 합격할 가능성은 얼마나 되는 지에 대해 어느누구로부터도 시원한 해답을 얻을 수 없는 학부모들이 자녀의 컨설턴트에게 수시로 전화해 진행상황 등을 전해들을 수 있고 학부모로서 지원할 수 있는 부분도 자녀에게 보다 구체적으로 제시할 수 있는 이점이 있다”고 밝혔다.
전문 대입 컨설팅은 ‘장기 대입 프로젝트’와 ‘대학지원서 작성 패키지’ 등 주로 2가지로 분류된다.
▶ 장기 대입 프로젝트: 주로 6개월 또는 1년 계약제로 이루어진다. 6학년부터 11학년 학생들에게 해당되며 학기초 학교과목 선정작업부터 클럽활동 주중 및 주말 시간관리요령 대학 전공 및 장기적 학업목표 설정 등 학생 스스로 구체적인 꿈을 갖고 대학진학을 목표로 학업에 정진할 수 있도록 유도한다.
특히 보스턴 아카데믹사는 여름방학을 이용해 학생들에게 아이비리그 등 전국 유수대학 캠퍼스를 방문하는 것을 주 목적으로 하는 서머캠프를 실시하기도 한다. 또 아이비드림사는 학생의 성적이 떨어지거나 특별히 보충해야 할 과목이 있을 때에는 적당한 개인교사와도 연결시켜주기도 한다.
장기 대입프로젝트는 해당 컨설턴트와 수시로 전화나 이메일로 연락을 주고 받으며 정기적으로 학부모와의 상담시간도 마련돼 있다.
▶ 대학지원서 작성 패키지: 12학년 학생들을 대상으로 한다.
주로 12학년에 진학하기 전 여름방학부터 시작되는 것이 가장 이상적이며 학생의 성적 취향 목표 전공 환경 재정형편에 맞는 대학선정작업부터 대학지원서작성 에세이 주제 설정 및 작성 추천서 대상자 설정 인터뷰 요령 등을 각 개인별로 돕는다.

2023년 11월 1일 수요일

사립대학, 기록적인 가격으로 등록금 할인 제공 Private colleges are offering tuition discounts at record-breaking rates


May 16, 2017, 2:04 PM

사립대학 등록금 할인이 다시 인상됩니다. 등록금 수입이 감당하기 힘들 정도입니다. 그리고 등록이 약해요.

이는 전국대학경영인협회(National Association of College and University Business Officers)가 실시한 2016년 등록금 할인 연구에서 얻은 주요 내용입니다. 월요일에 발표된 연례 연구의 최신 버전은 얼마나 많은 대학이 학생들에게 장학금과 보조금을 제공하고 있는지, 그리고 등록금과 등록금 가격을 얼마나 효과적으로 낮추고 있는지를 보여줍니다.

Tuition discounting at private colleges and universities is up again. Tuition revenue is straining to keep up. And enrollment is weak.

Those are the top takeaways from the 2016 Tuition Discounting Study from the National Association of College and University Business Officers. The latest version of the annual study, which was released Monday, provides a look at how much colleges and universities are awarding students in scholarships and grants -- and how much they are effectively undercutting their own tuition and fee sticker prices.

It also offers a glimpse at how such tuition discounts affect other key measures of college and university financial health.

The latest findings show no break from long-established trends of rising tuition discounting. The headline average institutional tuition discount rate for first-time, full-time students hit an estimated 49.1 percent in 2016-17, up from 48 percent the previous year. For all undergraduates, the average institutional tuition discount rate rose to an estimated 44.2 percent, up from 43 percent.

Both rates are all-time highs for the NACUBO study, breaking records set after preliminary estimates came out in last year's study. The tuition discount rate is defined as institutional grant dollars as a percentage of gross tuition and fee revenue. In other words, a 44.2 percent average institutional discount rate for all undergraduates means that more than 44 cents of every dollar in gross tuition revenue that colleges and universities counted never made it to the bottom line because it was dedicated to financial aid.

Two major trends have been driving the increased discounting, according to Ken Redd, NACUBO's director of research and analysis. Students and families have continued to have higher financial needs in the years after the Great Recession than they did before it. And competition for new students is growing as demographic trends point to a declining number of high school graduates in many parts of the country.

"There's nothing I can see on the horizon that will lower or dissipate those two trends," Redd said.

The latest Tuition Discounting Study included survey responses from 411 private nonprofit four-year colleges and universities that are NACUBO members. A majority, 318, are small institutions -- defined as colleges and universities mostly conferring associate and bachelor's degrees and with total enrollment of fewer than 4,000. Another 37 are doctoral-degree-granting research universities, and 56 are comprehensive institutions that grant master's and doctoral degrees and have enrollment above 4,000 students.

Tuition discount rates were highest among small institutions and lowest for comprehensive universities. The estimated average institutional tuition discount rate for first-time, full-time freshmen at small institutions was 50.9 percent in 2016-17. The rate for all undergraduates at small institutions was 45.1 percent.

At research institutions, the first-time, full-time freshman discount rate was 44.2 percent, while the rate for all undergraduates was 44.1 percent. At comprehensive institutions, the freshman rate was 42 percent and the rate for all undergraduates was 39.2 percent.

Many individual institutions post higher-than-average rates, though.

"About a quarter of institutions have rates well above 50 percent," Redd said of the freshman discount rate. "So while the average hasn't crossed 50 percent, a good number of schools have already crossed that point."

Across all types of institutions surveyed, the percentage of first-time, full-time freshmen receiving institutional grants rose to an estimated 87.9 percent in 2016-17. That was up from 87.2 percent the year before. The average institutional grant for such freshmen rose to be worth 56.3 percent of tuition and fees, up from 55.4 percent.

Meanwhile, 78.5 percent of all undergraduates received institutional grants in 2016-17, up from 78.2 percent the previous year. The average institutional grant for all undergraduates increased to 50.9 percent of tuition and fees, up from 49.9 percent.

Net Tuition and Enrollment Struggles



Increases in tuition discounts haven't occurred in a vacuum, of course. Colleges and universities raise their sticker prices as well. Yet data in the study indicate that aid to students has risen fast enough to essentially cancel out any effect from higher sticker prices.

In 2016-17, estimated average net tuition revenue per full-time freshman increased by 0.4 percent. That 0.4 percent gain was outpaced by the rate of inflation as measured by the Higher Education Price Index, which was 1.8 percent in the 2016 fiscal year. It was also down from an increase in net tuition revenue per freshman of 1.5 percent the previous year and the lowest rate of increase since 2011-12, when net tuition revenue per student fell by 0.3 percent.

The small institutions discounting the most saw the smallest increase in net tuition revenue per freshman. Small institutions reported an average net tuition revenue increase of just 0.2 percent per freshman in 2016-17. Research institutions reported an average increase of 2.6 percent, and comprehensive institutions reported an average increase of 2.1 percent.

"If you adjust for inflation, many schools are actually seeing real decreases in net tuition revenue," Redd said. "That's important, because most private colleges get the bulk of their operating dollars from tuition and fee payments from families. When that number declines, you actually are seeing an indication of some financial stress at these schools."

Across all undergraduates and all institution types, the average change in net tuition revenue per undergraduate was higher, increasing by 1.5 percent in 2016-17. That's a larger increase than the year before, when net tuition revenue per undergraduate increased by an average of 0.8 percent. But it was still slightly below the 1.8 percent rate of inflation.

The rise in discount rates did not seem to be enough to bring in additional undergraduates. Well over half of survey respondents, 57.7 percent, said their institutions experienced a decline in total undergraduate enrollment between the fall of 2013 and the fall of 2016. Just over half, 50.2 percent, said they experienced a decrease in enrollment of freshmen. A large portion, 39.1 percent, reported decreases in both total undergraduate and freshman enrollment.

Respondents largely blamed students' sensitivity to prices, increased competition and changing demographics for losing enrollment. Chief business officers at institutions that had lost first-year enrollment were asked why they believed it fell. The price sensitivity of students was the top response, named by 68 percent of respondents. Increased competition and changing demographics came in next, each being cited by 57 percent of respondents.

A decrease in the number of 18- to 24-year-olds in their region was named by 37 percent of respondents, and 37 percent also pointed to a decrease in yield rate. Only 17 percent of respondents said they lost students because their institution had become more selective, and 8 percent said they lost students because they decreased institutional financial aid. Just 6 percent pointed to a purposeful decision to balance prior-year enrollment results, and 6 percent cited an intentional decision to lower the number of students.

Among respondents at institutions where freshman enrollment grew, most believed it was because of improved recruitment or marketing strategy -- 65 percent. Other reasons frequently cited included an increase in institutional financial aid, named by 48 percent of respondents, and an increase in overall demand for that institution, named by 44 percent. Improved admissions procedures were also named by 44 percent. Just 16 percent of chief business officers said their institutions benefited from changing demographics, and only 2 percent said they decreased selectivity.

Sustainability Questions

Respondents were clearly worried about the sustainability of their tuition discounting strategies. Less than half, 44 percent, said their discounting strategies are sustainable in the long term. Another 32 percent said their strategies are sustainable in the short term but not in the long term, and 20 percent would only say their strategies are sustainable in the short term. Even so, only 9 percent were willing to say their strategies are not sustainable. (Respondents could select multiple answers about their strategies' sustainability, so the responses do not add up to 100 percent.)

It's easy to label discounting practices as problematic in the abstract. But for private college leaders trying to build a large enough student body in a competitive environment, it's a different story. Discounting can be an important tool or a necessity.

"We offer an incredibly generous financial aid package, and someone else increases it by $10,000 or $15,000," said Kevin F. F. Quigley, president of Marlboro College, in Vermont. "We talk to the students or parents and they say, 'We love Marlboro, we love what you do there, but they just sweetened the pot by $10,000 or $15,000.' What can you do about it?"

Marlboro is in many ways an extreme example of the pressures placed on small colleges. It enrolls only 300 undergraduates and 150 graduate students on average. Its undergraduate tuition discount rate is 66 percent.

The college's discount rate has been pushed up by a recent effort to boost enrollment and academic standing by offering full scholarships to a high-achieving student in every state. The effort helped boost the college's incoming class from 50 in the fall of 2015 to 71 in 2016. The class entering for 2017 isn't finalized but will likely be smaller, in the 55- to 60-student range, Quigley said.

The every-state scholarship program required a high amount of investment and effort, such as marketing across the country. With returns diminishing in its second year, it will be revamped for the future. Still, it is an interesting -- if unusual -- case in the discussion about discounting's sustainability.

"The first year with a new program, a new initiative, the community got really excited," Quigley said. "But then you move into the second year, and it's not the new thing. I also think other institutions are discounting to a greater extent, so all of a sudden that's gone. So, like everybody else, we're developing a new plan."

The continued rise in discounting reflects a number of trends, according to Richard Ekman, president of the Council of Independent Colleges. Many students attending college today come from lower-income families than those that attended a generation ago. Many colleges and universities are also making efforts to dedicate aid to such students, so they are able to attend college, he said.

"The other thing to keep in mind for private institutions is that tuition discounting isn't the whole story," Ekman said. "Presidents and boards of trustees put such a premium on raising money for scholarships."

Yet most colleges and universities have not historically been able to rely on funding from endowments for the bulk of the institutional financial aid they offer.

In 2015-16 just 12.4 percent of total institutional grant aid was funded by endowments. It's a relatively small portion, although it's up from the year before, when 11.3 percent of institutional grant aid was funded by endowments.

Other Findings

The NACUBO report also wades into the controversial debate about need-based aid versus non-need-based aid. It notes that much of the non-need-based aid -- or merit aid -- that institutions award goes to meet students' demonstrated financial need.

Need-based aid made up about 41 percent of all undergraduate institutional grant dollars awarded in the fall of 2015, the last year for which data were available. Non-need-based aid used to meet need made up an almost equal share -- 38 percent. Non-need-based aid not used to meet need made up 22 percent.

In other words, 79 percent of aid awarded went to meet need, regardless of whether that aid was classified as need based or merit based.

As more institutions raise sticker prices, the share of students with financial need will likely rise, the report says. Therefore, more students will need aid before they can enroll, and students will care little whether grant dollars are classified as need based or non-need based, it says.

Many would disagree with that assessment, including Stephen Burd, a senior policy analyst with the Education Policy program at New America. Lumping non-need-based aid going to financially needy students with need-based aid is putting a positive spin on the way rising discounting and higher sticker prices affect students, he said in an email.

"It's important to point out that at expensive private colleges, fairly well-to-do students can have some financial need because the prices are so high," he said. "So just saying that the money is going to students with financial need is a bit misleading. In other words, students who come from families making $100,000 or more a year may show need when attending colleges that have a total yearly cost of attendance of $70,000 (including tuition and room and board, which most four-year private college students pay)."

That echoes a complaint frequently lodged against institutions with high sticker prices and high tuition. Critics argue high tuition enables institutions to say they are meeting calculated financial need for students from middle- and upper-income families when they could instead be dedicating more resources to students from poorer families.

Survey respondents were also asked about the strategies they used in the 2016 fiscal year to increase net tuition revenue. A wide majority, 71 percent, said they used recruitment strategies. Retention strategies and financial aid strategies were also used by large majorities, 69 percent and 63 percent, respectively.

A third of respondents said their institutions changed or added academic programs, and 22 percent said they changed or added facilities. Almost one-fifth, 19 percent, reported using tuition pricing strategies, and 9 percent said they tried no new strategies.

Read the original article on Inside Higher Ed. Copyright 2017. Follow Inside Higher Ed on Twitter.

실제로 사립대학 등록금 전액을 지불하는 학생은 12%에 불과 Only 12% of students actually pay the full sticker price at their private college

사립 대학에서 전액 등록금을 지불하는 신입생 비율은 지난 1년 동안 사상 최저치인 12%로 떨어졌습니다. 그리고 전국 대학 비즈니스 임원 협회(National Association of College and University Business Officers)가 오늘 발표한 조사에 따르면 평균적으로 사립 대학 신입생은 비싼 등록금의 기록적인 56%를 충당하기 위해 보조금을 받았습니다.

그 결과, 2016~2017학년도 사립대학 신입생이 실제로 지불한 순 가격은 인플레이션을 고려하면 2015년 가을 신입생이 지불한 가격보다 약간 낮은 것으로 NACUBO는 밝혔다.

You know those ridiculous tuition prices you hear horror stories about? It turns out they are largely fictional — at least for many private colleges.

The percentage of freshmen paying full sticker price at private colleges fell to an all-time low of just 12% during the past year. And on average, private-college freshmen got grants to cover a record 56% of their pricey tuition, according to a survey released today by the National Association of College and University Business Officers.

As result, the actual net price paid by this year's private college freshmen for the 2016-17 academic year was slightly lower, after accounting for inflation, than the price paid by freshmen in the fall of 2015, NACUBO found.

The most expensive private colleges — including most Ivy League institutions — charge in excess of $50,000 a year just for tuition. But the average private college charges about $33,500 in tuition, according to the College Board. The typical private school is now awarding freshmen grants averaging about $18,000 a year, according the the new report — bringing average net tuition down to about $15,000 a year.

Of course, those price cut numbers are national averages. At many elite prestigious colleges, where lots of wealthy applicants are eager to pay any price to attend — schools like Brown University, Rice University and Swarthmore — roughly half of the students pay full price.

On the other hand, there are more than 200 private schools, including Duquesne, Marquette, and Ohio Wesleyan, that offer every single freshman at least some scholarship aid. (See MONEY's list of the 91 high-value colleges where every freshman gets a scholarship.)

The good news for today's high school students: The effective price cuts will likely continue for the foreseeable future because of the basic economics of supply and demand, says, Ken Redd, NACUBO's director of research and policy analysis. "You have roughly 3,000 private colleges in the US, chasing after a declining number of potential new students," he says. And whenever demand shrinks, he notes, suppliers tend to have to cut prices to attract customers.

Higher-education economists cite several reasons that a growing number of private schools will likely continue to offer more aid:

  • American demographics: The number of people who turn 18 in any given year is falling — declining to 4.2 million last year from 4.5 million in 2010, according to the Census Bureau. And the number of traditionally aged potential college freshmen isn't expected to start rising in most areas of the country for another decade, says Redd.
  • Campus locations: Hundreds of private colleges were built in the 19th century to serve communities that boomed during the manufacturing and agricultural eras. But those communities and economies — places like Pennsylvania's steel belt and the industrial Midwest — have declined in both population and wealth. "A lot of small colleges are in areas that are now demographically weak, so they have to compete heavily on price," says Susan Fitzgerald, who analyzes higher education for Moody's. That's going to continue, she believes: "We certainly don't see any letup in pricing pressure."
  • International declines: Many US colleges, Redd says, are worried that President Donald Trump's efforts to crack down on immigration will discourage wealthy overseas parents from sending their students to American campuses. While he notes that evidence is anecdotal for now, Canadian colleges — often seen as a close alternative — have already reported a spike in applications.
  • Consumer psychology: College officials say they have to keep raising sticker prices and scholarships because parents and students are choosing colleges that give them something to brag about. "What do you believe is more attractive to a student and family: A $40,000 a year school that offers a $20,000 scholarship or a $20,000 school that offers no scholarship?" asks Luke Behaunek, dean of students at Simpson College in Indianola, Iowa — which awards 100% of freshmen a scholarship. Winning a scholarship "makes you feel significantly different about the quality, value and appreciation you are getting from the institution," he says.

미국에서 가장 저렴한 20개 의과대학 The 20 most affordable U.S. medical schools

의사가 되는 것은 보람 있는 직업일 수 있지만, 의과대학 등록 비용은 야심 찬 학생들에게 큰 장벽이 될 수 있습니다. 또한 새로운 학자금 대출 영웅(Student Loan Hero) 연구에 따르면 이는 평균 약 164,800달러에 이르는 막대한 학자금 부채로 이어질 수 있습니다.

의과대학생에게는 여섯 자릿수 부채가 표준일 수 있지만, 저렴한 의과대학에 지원하면 학자금 대출 부채를 제한하는 데 큰 차이를 만들 수 있습니다. 그리고 이는 의과대학 부채를 상환하는 데 있어 큰 유리한 출발점을 제공합니다.

의과대학 지원자들이 가장 저렴한 의과대학을 찾는 데 도움을 주기 위해 우리는 110개의 의과대학을 설문조사하여 학생들이 학자금 부채를 가장 적게 부담할 가능성이 있는 곳을 알아냈습니다.


Although being a doctor can be a rewarding profession, the cost of medical school can be a huge barrier for aspiring students. It can also lead to massive student debt – around $164,800 on average, according to a new Student Loan Hero study.

While six-figure debt might be the norm for medical students, if you apply to affordable medical schools, it can make a big difference in limiting your student loan debt. And that gives you a huge head start in repaying medical school debt.

To help medical school applicants find the least expensive medical schools, we surveyed 110 medical schools to find out where students are likely to incur the least amount of student debt.

 HOW AFFORDABLE MEDICAL SCHOOLS LIMIT YOUR STUDENT LOAN DEBT

To identify the best medical schools for limiting student debt, Student Loan Hero looked at three factors: annual tuition costs, average indebtedness at graduation, and the percentage of borrowers receiving institutional aid. These are central considerations for any student figuring out how to pay for medical school.

Overall, medical students can expect the following when it comes to paying for their doctorate:

  • Annual tuition (in-state): $39,116
  • Average medical school debt: $164,776
  • Students receiving institutional aid: 52 percent

However, students attending one of the top 20 affordable medical schools fare better:

  • Annual tuition (in-state): $24,483
  • Average medical school debt: $122,545
  • Students receiving institutional aid: 71 percent

They pay approximately $14,600 less in medical school tuition each year and are much more likely to receive college-sponsored grants or scholarships. They also owe about 25 percent less ($42,231) at graduation than an average med student.

On the other end of the spectrum, students at the 20 least affordable medical schools fare much worse:

  • Annual tuition: $48,843
  • Average medical school debt: $224,566
  • Students receiving institutional aid: 30 percent

Students here receive scholarships and grants less than half as often students attending the 20 best medical schools.

Plus, average student loan debt tips the scales at $224,566. That's about $59,800 more in medical school debt than the total average — not to mention, about $102,000 more than the average among the 20 best medical schools.

When your choice in medical school can equate to an extra $100,000 in medical school debt, the weight of your decision is clear. Medical school costs and student debt are central factors in the equation of whether medical school is even worth it.

To point you in the right direction, we've highlighted 20 medical schools where it's easiest to minimize student debt.

1. EAST CAROLINA UNIVERSITY BRODY SCHOOL OF MEDICINE

  • Annual tuition: $18,159 (in-state)
  • Average medical school debt: $112,692
  • Students receiving institutional aid: 80 percent

The Brody School of Medicine at East Carolina University in Greenville, North Carolina, is one of just 10 medical schools surveyed where annual tuition falls under $20,000. Four in five students receive a scholarship or grant, and on average, graduate with about $52,100 less in medical school debt.

2. UNIVERSITY OF NEW MEXICO SCHOOL OF MEDICINE

  • Annual tuition: $15,798 (in-state)
  • Average medical school debt: $126,783
  • Students receiving institutional aid: 87 percent

The University of New Mexico's School of Medicine in Albuquerque, New Mexico, has low tuition, with an even higher rate of institutional aid. With these factors keeping costs low, it's no surprise these graduates can limit student debt to about $38,000 less than the average.

3. BAYLOR COLLEGE OF MEDICINE

  • Annual tuition: $19,650 (in-state)
  • Average medical school debt: $99,882
  • Students receiving institutional aid: 60 percent

Baylor College of Medicine in Houston, Texas, has the third-lowest average student loan balances among the top 20. And it's one of just three medical schools where the average graduate leaves with under $100,000 in student debt.

4. TEXAS A&M COLLEGE OF MEDICINE

  • Annual tuition: $13,790 (in-state)
  • Average medical school debt: $128,797
  • Students receiving institutional aid: 78 percent

Texas A&M College of Medicine has the second-lowest tuition of any medical school on this list.

These low costs, along high rates of institutional aid, means it's relatively easy for graduates to minimize their medical school debt here.

5. MAYO CLINIC SCHOOL OF MEDICINE

  • Annual tuition: $49,900
  • Average medical school debt: $69,695
  • Students receiving institutional aid: 91 percent

The Mayo Clinic School of Medicine is a renowned medical school that matches its reputation with low student debt. Despite having the highest tuition rates of any of the top 20 medical schools, Mayo Clinic's scholarships and grants significantly offset these costs.

In fact, Mayo Clinic graduates have the lowest levels of any medical school debt in this survey, owing about $95,100 less than the study's average.

6. TEXAS TECH UNIVERSITY HEALTH SCIENCES CENTER SCHOOL OF MEDICINE

  • Annual tuition: $15,016 (in-state)
  • Average medical school debt: $129,454
  • Students receiving institutional aid: 72 percent

Texas Tech University Health Sciences Center School of Medicine has the fourth-lowest tuition of any medical school surveyed. This adds up to about $35,300 less medical school debt at graduation, on average.

7. UNIVERSITY OF CENTRAL FLORIDA COLLEGE OF MEDICINE

  • Annual tuition: $25,491 (in-state)
  • Average medical school debt: $138,728
  • Students receiving institutional aid: 100 percent

The University of Central Florida College of Medicine in Orlando, Florida, takes the top spot for institutional aid, with 100 percent of students receiving a scholarship or grant. Add this to already-low tuition, and students can easily avoid getting too deep into medical school debt.

8. DAVID GEFFEN SCHOOL OF MEDICINE AT UNIVERSITY OF CALIFORNIA-​LOS ANGELES (UCLA)

  • Annual tuition: $32,757 (in-state)
  • Average medical school debt: $117,590
  • Students receiving institutional aid: 91 percent

The David Geffen School of Medicine at UCLA has the third-highest rate of institutional aid among these top 20 medical schools (tied with the Mayo Clinic).

These scholarships and grants help alumni of this school avoid around $47,200 in medical school debt, on average.

9. UNIVERSITY OF TEXAS SOUTHWESTERN MEDICAL CENTER

  • Annual tuition: $18,493 (in-state)
  • Average medical school debt: $109,350
  • Students receiving institutional aid: 52 percent

Only about half of students at the University of Texas Southwestern Medical Center in Dallas, Texas, receive a scholarship or grant. But with medical tuition starting low, graduates still borrow close to $55,500 less than the average medical school debt found in our study.

10. UNIVERSITY OF TEXAS HEALTH SCIENCE CENTER-SAN ANTONIO

  • Annual tuition: $14,500 (in-state)
  • Average medical school debt: $120,529
  • Students receiving institutional aid: 55 percent

This medical school has the third-lowest tuition in this study, saving students around $24,600 a year. These low costs and above-average institutional aid put the University of Texas Health Science Center in San Antonio, Texas, among the most affordable medical schools.

11. UNIVERSITY OF NORTH TEXAS HEALTH SCIENCE CENTER

  • Annual tuition: $13,078 (in-state)
  • Average medical school debt: $150,258
  • Students receiving institutional aid: 75 percent

Students at the University of North Texas Health Science Center in Fort Worth, Texas have higher student loan balances among the top 20 most affordable medical schools. They save just around $14,500 on average compared to overall borrowing patterns.

However, this is the most affordable medical school in terms of tuition. Combine low tuition with higher rates of institutional aid, and you have a smart choice when it comes to minimizing student loan debt.

12. UNIVERSITY OF CALIFORNIA-SAN DIEGO (UCSD) SCHOOL OF MEDICINE

  • Annual tuition: $32,346 (in-state)
  • Average medical school debt: $98,750
  • Students receiving institutional aid: 61 percent

Graduates of the UCSD School of Medicine enter residency with the second-lowest levels of medical school debt, less than $100,000 on average. This is despite having one of the highest tuition costs of the top 20 affordable medical schools.

13. UNIVERSITY OF NEVADA, RENO SCHOOL OF MEDICINE

  • Annual tuition: $26,114 (in-state)
  • Average medical school debt: $135,788
  • Students receiving institutional aid: 84 percent

University of Nevada, Reno School of Medicine graduates have one of the higher average student loan balances among the top 20.

However, they still fall just about $29,000 below the average amount of debt. This school also offers low tuition and plenty of financial aid opportunities.

14. UNIVERSITY OF NORTH CAROLINA-CHAPEL HILL SCHOOL OF MEDICINE

  • Annual tuition: $24,837 (in-state)
  • Average medical school debt: $147,899
  • Students receiving institutional aid: 87 percent

Thanks to high rates of institutional aid and tuition that's about $14,300 less a year than our study's average, students at UNC School of Medicine have fewer costs to account for than the average medical student.

That means they ultimately have less to pay for and can take out a smaller amount of student loans, minimizing their overall debt.

15. THE UNIVERSITY OF TEXAS HEALTH SCIENCE CENTER AT HOUSTON

  • Annual tuition: $15,525 (in-state)
  • Average medical school debt: $117,381
  • Students receiving institutional aid: 30 percent

The University of Texas Health Science Center in Houston, Texas, has the lowest rate of institutional aid of any school in the top 20. In fact, it's more on par with the averages for the bottom 20.

Despite this, having the fifth-lowest tuition costs helps make up the difference at UTHealth. Medical school debt here is also about $47,400 below the overall average found in our study.

16. UNIVERSITY OF ALABAMA-BIRMINGHAM (UAB) SCHOOL OF MEDICINE

  • Annual tuition: $26,778 (in-state)
  • Average medical school debt: $108,690
  • Students receiving institutional aid: 44 percent

The UAB School of Medicine has low tuition and graduates leave with low medical school debt – approximately $56,100 less than the average debt found in our study.

Keep in mind that a first-year medical resident's typical salary stipend is $54,100, according to a 2016 AAMC survey of resident and fellow stipends. So even if this medical school offers aid to fewer students than most, going to UAB medical school can help graduates save on debt that's almost the equivalent of a year's worth of salary.

17. UNIVERSITY OF OKLAHOMA COLLEGE OF MEDICINE

  • Annual tuition: $24,030 (in-state)
  • Average medical school debt: $121,668
  • Students receiving institutional aid: 49 percent

The University of Oklahoma College of Medicine has below-average tuition, saving students around $15,000 a year. Graduates of this school also save about $43,100 on total medical school debt.

18. UNIVERSITY OF CALIFORNIA-​SAN FRANCISCO (UCSF) SCHOOL OF MEDICINE

  • Annual tuition: $33,420
  • Average medical school debt: $139,457
  • Students receiving institutional aid: 82 percent

About four in five medical students at the UCSF School of Medicine get institutional aid to help cover costs. This probably helps them borrow about $25,300 less than an average medical student, despite paying tuition that's closer to average.

19. UNIVERSITY OF CALIFORNIA-​DAVIS SCHOOL OF MEDICINE

  • Annual tuition: $35,933
  • Average medical school debt: $153,419
  • Students receiving institutional aid: 95 percent

Almost every UC Davis School of Medicine student receives a scholarship or grant. This helps cover most students' medical school costs and keep tuition affordable. Although tuition may seem higher compared to the other 20 most affordable medical schools, it's still below our study's average.

These factors also help UC Davis graduates keep their medical student loans $11,400 below the average.

20. UNIVERSITY OF MICHIGAN MEDICAL SCHOOL

  • Annual tuition: $34,050
  • Average medical school debt: $124,091
  • Students receiving institutional aid: 56 percent

Rounding out our top 20 is the University of Michigan Medical School. This school gets closer to average on both its tuition and rates of institutional aid.

However, a typical University of Michigan student graduates with medical school debt that's 25 percent lower than the $164,800 average.

THE 50 MOST AFFORDABLE MEDICAL SCHOOLS

Curious to see how other affordable medical schools stack up?

Here's a list of the top 50 institutions we found to be the best options for minimizing six-figure medical school debt, based on our methodology listed below. See how your school compares in terms of average indebtedness each med school graduate walks away with.

Medical schoolAverage debt
1.East Carolina University (Brody)$112,692
2.University of New Mexico$126,783
3.Baylor College of Medicine$99,882
4.Texas A&M Health Science Center$128,797
5.Mayo Clinic School of Medicine$69,695
6.Texas Tech University Health Sciences Center$129,454
7.University of Central Florida$138,728
8.University of California—​Los Angeles (Geffen)$117,590
9.University of Texas Southwestern Medical Center$109,350
10.University of Texas Health Science Center—​San Antonio$120,529
11.University of North Texas Health Science Center$150,258
12.University of California—​San Diego$98,750
13.University of Nevada Reno$135,788
14.University of North Carolina—​Chapel Hill$147,899
15.University of Texas Health Science Center—​Houston$117,381
16.University of Alabama—​Birmingham$108,690
17.University of Oklahoma$121,668
18.University of California—​San Francisco$139,457
19.University of California—​Davis$153,418
20.University of Michigan—​Ann Arbor$124,091
21.University of Chicago (Pritzker)$119,830
22.Washington University in St. Louis$84,758
23.University of Kansas Medical Center$155,241
24.University of South Dakota (Sanford)$160,439
25.University of Arkansas for Medical Sciences$163,049
26.University of Florida$150,126
27.University of Missouri$153,398
28.University of Virginia$125,094
29.Ohio State University$168,656
30.Harvard University$101,478
31.University of Washington$153,494
32.University of Iowa (Carver)$146,207
33.University of Maryland$157,155
34.Wayne State University$160,859
35.Vanderbilt University$127,184
36.University of Hawaii—​Manoa (Burns)$160,000
37.University of Connecticut$148,575
38.Johns Hopkins University$113,684
39.Duke University$118,579
40.West Virginia University$154,798
41.Stanford University$122,611
42.University of South Florida$148,306
43.Florida State University$150,008
44.University of Wisconsin—​Madison$144,334
45.Columbia University$113,367
46.Marshall University (Edwards)$190,345
47.University of California—​Irvine$159,161
48.University of Massachusetts—​Worcester$138,479
49.University of Nebraska Medical Center$162,638
50.University of Utah$166,985

 

Methodology: Student Loan Hero ranked 110 medical schools in the U.S. for this study. Rankings were determined by three factors:

1) Level of indebtedness for medical school graduates

2) Annual in-state tuition to attend the medical school full-time

3) Percentage of students receiving institutional aid in the form of scholarships or grants.

All data was sourced from the U.S. News & World Report rankings of the Best Medical Schools.