Hartwick College
Private College in Oneonta, NY. Six-year graduation rate 53%. Median 10-year earnings $61,107.
A decade after enrolling, the median Hartwick College student earns $61,107 — comfortably above what the typical bachelor's-granting institution returns. Six-year completion sits at 53%, near the national average for undergraduate institutions. Median debt at graduation reaches $27,000, heavy enough to shape the years right after the degree.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ 3-year loan default 0.0% — below national benchmark
Admissions
Hartwick College accepts 70% of applicants, which makes it accessible to most students who meet the baseline requirements. The applicant pool runs to 4,704, typical for a school of this reach. Yield is low at 10%, so most admitted students do not end up enrolling. Read the score bands below narrowly: only 5% of enrolled first-years submitted an SAT score, and test-optional applicants are not represented in them.
Test score bands (middle 50% of submitters)
These bands describe the enrolled first-years who submitted a score, not the entering class. Where most students apply test-optional the submitters are a self-selected, higher-scoring group.
| Test | 25th–75th percentile | Submitted |
|---|---|---|
| SAT Evidence-Based Reading | 540–670 | 15 (5%) |
| SAT Math | 530–620 | |
| ACT Composite | — | — |
IPEDS Admissions · 2024
Apply at Hartwick College →Academics
Completion is middling: 53% finish inside six years. 74% of full-time first-years come back for year two, so about one in four are gone before sophomore year. Retention and completion are close, which places the gap between entering and finishing almost entirely in year one. With 34% transferring out, this functions substantially as a stepping stone. At 10:1, students get materially more instructor contact than at a typical public university.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 1,099 degree- or certificate-seeking undergraduates
Average net price — what students actually pay after grant aid — is $31,712 a year, at the high end of undergraduate cost. Net price swings hard on family income here, from $22,584 at the $0–30k band to $33,129 at $110k+. Most students get help: 100% receive grants worth $37,636 on average. Most students borrow — 82% take federal loans to cover the gap.
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 · 360 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 | $22,584 |
| $30–48k | $30,229 |
| $48–75k | $35,177 |
| $75–110k | $35,614 |
| $110k+ | $33,129 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 898 of these 1,099 students, totalling $5,818,690 — an average of $6,480 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Otsego 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)