Germanna Community College
Public Community College in Locust Grove, VA. Six-year graduation rate 46%. Median 10-year earnings $39,644.
Ten-year median earnings of $39,644 are on the low side, which raises the bar for what this degree needs to cost. The six-year graduation rate is 47%, meaning about one in two students who start do not finish. Graduates leave owing a median of $8,400 — 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 0.21 — healthy (below the 0.40 threshold)
- ✓ 3-year loan default 0.0% — below national benchmark
- ! Mobility score 1.0 — limited economic uplift documented
Academics
Completion is middling: 47% finish inside six years. 64% of full-time first-years come back for year two, so about one in three are gone before sophomore year. Retention and graduation track closely, so most of the attrition shows up in the first year rather than after it. Retention drops to 49% for part-time students, a gap worth weighing if full-time study is not realistic. The 24:1 student-faculty ratio is high, so large classes and limited faculty contact should be the expectation.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 5,469 degree- or certificate-seeking undergraduates
Students pay an average of $5,469 annually, well below typical undergraduate net price. Net price varies modestly by income — $3,816 at $0–30k against $11,757 at $110k+ — so the average is a fair guide for most families. 50% of students receive grant aid, averaging $5,261 — common but not automatic. Only 6% take federal loans. Private borrowing is not captured in this figure.
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 · 729 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 | $3,816 |
| $30–48k | $4,087 |
| $48–75k | $6,227 |
| $75–110k | $8,049 |
| $110k+ | $11,757 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 322 of these 5,469 students, totalling $1,792,236 — an average of $5,566 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Orange 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)