Frank Phillips College
Public Community College in Borger, TX. Six-year graduation rate 45%. Median 10-year earnings $37,179.
Ten-year median earnings of $37,179 are on the low side, which raises the bar for what this degree needs to cost. 45% finish within six years — respectable, though a meaningful share still leave without a credential. Graduates leave owing a median of $9,500 — modest by four-year standards.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ Debt-to-income ratio 0.26 — healthy (below the 0.40 threshold)
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
Completion is middling: 45% finish inside six years. Just 38% of first-years come back — most of the completion gap opens in year one. A 20:1 ratio is unremarkable; expect a mix of lecture halls and seminars. This is a public community college, so read every rate on this page against that peer group specifically. This is a small school — 1,748 undergraduates — so cohorts are tight and the program list is necessarily short.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 749 degree- or certificate-seeking undergraduates
Average net price is $10,788 a year after grant aid — low for a four-year institution, though your own figure depends on aid eligibility. Income makes less difference than usual: $7,940 at $0–30k, $12,768 at $110k+. 88% of students get grant aid averaging $5,039, so the published price is a poor guide to what most pay. 10% borrow federally — a low rate, though it covers federal loans only.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 267 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $7,940 |
| $30–48k | $9,179 |
| $48–75k | $7,332 |
| $75–110k | $12,322 |
| $110k+ | $12,768 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 73 of these 749 students, totalling $379,942 — an average of $5,205 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Hutchinson County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026
Veterans & GI Bill
VA GI Bill Comparison Tool (Veterans Affairs GIDS)