St Philip's College
Public Community College in San Antonio, TX. Six-year graduation rate 28%. Median 10-year earnings $38,224.
Ten-year median earnings of $38,224 are on the low side, which raises the bar for what this degree needs to cost. The six-year graduation rate is 28% — low enough that finishing cannot be treated as the default outcome. 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 0.25 — healthy (below the 0.40 threshold)
- ✓ 3-year loan default 0.0% — below national benchmark
- ! Graduation rate 28% — below national average
Academics
Completion is the problem here: 28% graduate within six years. Transfer-out runs to 13% — common enough at this school that the completion rate is measuring a smaller group than the entering class. A 25:1 ratio means students need to be deliberate about getting faculty time. This is a public four-year university, so read every rate on this page against that peer group specifically. 14,281 undergraduates puts this among the larger schools, which usually means more choice and less individual attention.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 10,772 degree- or certificate-seeking undergraduates
Students pay an average of $4,884 annually, well below typical undergraduate net price. Aid is steeply need-based: families in the $0–30k band pay $3,677 while those at $110k+ pay $11,885. Grant aid is limited — 40% of students receive any. Only 3% 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 · 585 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 | $3,677 |
| $30–48k | $3,747 |
| $48–75k | $5,845 |
| $75–110k | $7,926 |
| $110k+ | $11,885 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 356 of these 10,772 students, totalling $2,261,559 — an average of $6,353 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Bexar 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)