Fulton-Montgomery Community College
Public Community College in Johnstown, NY. Six-year graduation rate 40%. Median 10-year earnings $39,535.
Students who entered Fulton-Montgomery Community College reach a median of $39,535 a decade later, a figure that trails the typical four-year outcome. Only 40% finish within six years, so roughly three in five students leave without the credential they enrolled for. Median debt at graduation is $12,125, a light load against those earnings.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ Debt-to-income ratio 0.31 — healthy (below the 0.40 threshold)
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
Completion is the problem here: 40% graduate within six years. Just 58% of first-years come back — most of the completion gap opens in year one. Retention and graduation track closely, so most of the attrition shows up in the first year rather than after it. Transfer-out runs to 16% — common enough at this school that the completion rate is measuring a smaller group than the entering class. Part-time students fare worse, returning at 45% — relevant if you plan to work while enrolled.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 980 degree- or certificate-seeking undergraduates
Average net price is $6,657 a year after grant aid — low for a four-year institution, though your own figure depends on aid eligibility. Net price swings hard on family income here, from $4,242 at the $0–30k band to $13,601 at $110k+. Grant aid reaches 60% of students at an average of $6,203. 30% of students take federal loans, a middling borrowing rate.
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 · 226 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 | $4,242 |
| $30–48k | $6,390 |
| $48–75k | $9,323 |
| $75–110k | $10,771 |
| $110k+ | $13,601 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 298 of these 980 students, totalling $1,826,653 — an average of $6,130 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Montgomery 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)