You would borrow a median $21,500 — about $244 a month for ten years. Graduates earn a median $58,128 ten years after starting, so the debt clears in roughly 1.2 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.
Every dollar you win is a dollar you never repay — and it moves the 1.2-year payback above. We list 2 scholarships tied to Virginia Commonwealth University.
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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. Virginia Commonwealth University clears its debt faster than that, and its graduates earn $18,608 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| Christopher Newport University Virginia | C | $25,000 | $60,509 | 1.2 yrs |
| Hampton University Virginia | C | $25,442 | $59,159 | 1.3 yrs |
| Shenandoah University Virginia | C | $25,000 | $58,433 | 1.3 yrs |
| University of Mary Washington Virginia | C | $20,500 | $60,613 | 1 yrs |
| Hampden-Sydney College Virginia | B | $26,000 | $67,640 | 0.9 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.