You would borrow a median $10,500 — about $119 a month for ten years. Graduates earn a median $49,020 ten years after starting, so the debt clears in roughly 1.1 years of the salary premium.
It is a fair deal, close to the national middle. What you study and what you borrow will matter more than the badge.
Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.
We do not list an award tied specifically to Howard Community College yet — but national, country and subject scholarships still apply to students heading there, and each one cuts the $10,500 above.
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The typical graded university clears its debt in 1.3 years on median earnings of $57,146 against $22,500 of debt. Howard Community College clears its debt faster than that, and its graduates earn $9,500 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| University of Baltimore Maryland | C | $23,250 | $61,335 | 1.1 yrs |
| Stevenson University Maryland | C | $26,000 | $62,079 | 1.2 yrs |
| McDaniel College Maryland | C | $25,000 | $60,663 | 1.2 yrs |
| Frederick Community College Maryland | C | $8,150 | $46,449 | 1.2 yrs |
| Mount St. Mary's University Maryland | C | $25,391 | $64,072 | 1 yrs |
Source: US Department of Education College Scorecard — earnings and debt cover students who received federal financial aid and blend every subject taught at the institution. Figures imported 28 Aug 2026. This page is information, not financial advice.