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University of South Carolina – Columbia Tuition and Fees


University of South Carolina – Columbia Tuition and Fees

University of South Carolina - Columbia Tuition

On this page:

    By Kelly Boyer Sagert

    (Last Updated – 06/2025)

    The University of South Carolina is a public research university with its main campus in Columbia and eight campuses in total across the state. The university has more than 350 degree programs, including well-respected medical, law, business, and engineering programs.

    Total Cost of Attendance

    The University of South Carolina tuition in 2023-24 for state residents was $12,688. This is slightly higher than the national average of $11,260 for in-state tuition at public universities. For residents of other states, South Carolina tuition was $34,934, which is higher than the national average for out-of-state tuition of $29,150.

    Tuition, however, is only part of the total cost of attending college. Here’s a look at other expenses students can expect when attending the University of South Carolina.

    Costs for 2023-24

    Student Type

    In-State

    Out-of-State

    Tuition & Fees

    $12,688

    $34,934

    Books & Supplies

    $1,226

    $1,226

    Room & Board (on campus)

    $12,558

    $12,558

    Other Expenses

    $5,5055

    $5,505

    Total Cost of Attendance

    $31,977

    $54,223

    Financial Aid

    At South Carolina, nearly all students (95%) use financial aid to help cover the tuition and other costs. This may be student loans, scholarships, or grants, or a combination of these. You can explore financial aid options at South Carolina Student Loan & Scholarships.

    Generally, financial aid is monetary assistance awarded to students based on personal need or merit. Students who qualify for financial aid can use it to pay for college costs like tuition, books, and living expenses.

    The federal government is the largest provider of student financial aid. However, aid can also be given by state governments, colleges and universities, private companies, and nonprofits. The different types include:

    •  Scholarships: These can be awarded by schools and other organizations based on students’ academic excellence, athletic achievement, community involvement, job experience, field of study, or financial need.

    •  Grants: Generally based on financial need, these can come from federal, state, private, or nonprofit organizations.

    •  Work-study: This federal program provides qualifying students with part-time employment to earn money for expenses while in school.

    •  Federal student loans: This is money borrowed directly from the U.S. Department of Education. It comes with fixed interest rates that are typically lower than private loans.

    Colleges, universities, and state agencies use the Free Application for Federal Student Aid (FAFSA) to determine financial aid eligibility. The FAFSA can be completed online, but note that state, federal, and school deadlines may differ.

    You can find other financial aid opportunities on databases such as:

    •  US Department of Education – Search for grants from colleges and universities by state

    •  College Scholarship Service Profile (CSS) – A global college scholarship application used by select institutions to award financial aid

    •  SoFi Scholarship Finder– Use our handy tool to streamline your search by award type, location, level of study and more.

    Private Student Loans

    Of the South Carolina students who take out student loans, 48% take out federal loans, and 12% get private student loans (with an average amount of $20,640).

    Private loans are funded by private organizations such as banks, online lenders, credit unions, some schools, and state-based or -affiliated organizations. While Federal student loans have interest rates that are regulated by Congress, private lenders follow a different set of regulations so their qualifications and interest rates can vary widely.

    What’s more, private loans have variable or fixed interest rates that may be higher than federal loan interest rates, which are always fixed. Private lenders may (but don’t always) require you to make payments on your loans while you are still in school, compared to federal student loans, which you don’t have to start paying back until after you graduate, leave school, or change your enrollment status to less than half-time.

    Private loans don’t have a specific application window and can be applied for on an as-needed basis. However, if you think you may need to take out a private loan, it’s a good idea to submit your FAFSA first to see what federal aid you may qualify for, since it generally has better rates and terms.

    If you’ve missed the FAFSA deadline or you’re struggling to pay for school during the year, private loans can potentially help you make your tuition payments. Just keep in mind that you will need enough lead time for your loan to process and for your lender to send money to your school.

    Recommended: Guide to Private Student Loans

    Projected 4-Year-Degree Price

    The University of South Carolina cost for four years, including tuition and fees, room and board, books, and other costs, is $127,908 for in-state students (based on 2023-24 numbers). By comparison, the national average at public universities for in-state students is $115,360 for four years.

    For out-of-state residents, the four-year cost for attending South Carolina is $216,892. This is higher than the national average of $186,920 for out-of-state tuition and other expenses.

    This student loan and scholarship information may be valuable as you research schools and costs.

    Repay student loans your way.

    Find the monthly
    payment & rate that fits your budget.

    Undergraduate Tuition and Fees

    Costs for 2023-24

    University of South Carolina undergraduate tuition and fees for 2023-24 were $12,688 for in-state students, which was the same as the prior academic year The tuition and fees for out-of-state students in 2023-24 were $34,934, a 3% increase from the prior academic year.

    Graduate Tuition and Fees

    Costs for 2023-24

    Student Type

    In-State

    Out-of-State

    Tuition

    $13,374

    $29,760

    Fees

    $400

    $400


    Tuition and fees for graduate students at South Carolina for 2023-24 averaged $13,774 for in-state students and $30,160 for out-of-state students. For in-state students, this is a relatively good deal: The average cost of graduate school tuition and fees in the U.S. is $22,430 per year.

    There are graduate loans available to help with these costs.

    Cost per Credit Hour

    The cost per credit hour is $512 for South Carolina residents and $1,495.75 for other students.

    Campus Housing Expenses

    First-year students are required to live on campus. The Columbia campus offers 25 student housing options, including general residences halls and Living and Learning communities.

    Costs for 2022-23

    •  Housing and food expenses (on campus): $12,558

    •  Housing and food expenses (off campus): $11,239

    •  Other living expenses (on/off campus): $5,505

    Total living expenses for 2023-24 came to $18,063 for students who live on campus and $16,744 for those who live off campus.

    University of South Carolina Acceptance Rate

    Fall 2023

    Number of Applications

    Number Accepted

    Percentage Accepted

    46,682

    28,475

    61%

    The South Carolina acceptance rate is 61%, which makes the school somewhat selective.

    Admission Requirements

    If you’re thinking of applying to the University of South Carolina, here’s a look at the school’s admissions requirements:

    Required:

    •  Application (including essay and activities section)

    •  $65 non-refundable application fee

    •  Unofficial high school transcript (upon review, the admission office will let you know if they need an official one)

    •  Standardized test score (if using – USC is test-optional through 2026)

    Here are the application deadlines:

    •  Early Decision: November 1 (with a decision given by December 15)

    •  Regular Decision: December 1 (with a decision given by January 15)

    •  Honors College and Top Scholars Deadline: November 15

    SAT and ACT Scores

    Though submitting test scores is optional at South Carolina, it can be helpful to know the average scores of other students who chose to submit their scores.

    Here are the standardized test scores of students who enrolled in Fall 2023 at the 25th and 75th percentiles.

    Subject

    25th Percentile

    75th Percentile

    SAT Evidence-Based
    Reading/Writing

    600

    690

    SAT Math

    580

    690

    ACT Composite

    26

    32

    ACT English

    25

    34

    ACT Math

    24

    29

    Graduation Rate

    Most Carolina students complete their degree in four years. But some students take longer. Here are the graduation rates for students who began at the school in 2017.

    •  4 years: 69%

    •  6 years: 78%

    Post-Graduation Median Earnings

    The average salary for University of South Carolina graduates is $72,000. This is slightly higher than the average projected starting salary for the class of 2025 at the bachelor’s degree level, which is $68,680.

    Bottom Line

    The University of South Carolina provides a quality education, and the tuition is just slightly higher than the national average. Not sure how to pay for it? Most students use one or more forms of financial aid to help with the University of South Carolina tuition.

    If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.


    Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

    View Your Rate

    SoFi Private Student Loans
    Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
    Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
    SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.


    SoFi Loan Products
    SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


    Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

    External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

    SOISL-Q225-083

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    University of Hawaii at Manoa Tuition and Fees


    University of Hawaii at Manoa Tuition and Fees

     University of Hawaii at Manoa Tuition and Fees

    On this page:

      By Susan Guillory

      (Last Updated – 06/2025)

      Total Cost of Attendance

      Not only is the University of Hawaii at Manoa located on the beautiful island of Oahu, but it also is a well-respected research institution, particularly in oceanography, astronomy, evolutionary biology, Pacific Islands and Asian studies, and more. The cost of attending can be slightly above the U.S. norm. In 2023-24, University of Hawaii tuition was $12,186 for in-state students and $34,218 for out-of-state students. Compare these numbers to the national average for public four-year schools of $11,260 for in-state students and $29,150 for out-of-state students.

      Costs for 2023-24

      Student Type

      In-State

      Out-State

      Tuition & Fees

      $12,186

      $34,218

      Books & Supplies

      $1,350

      $1,350

      Room & Board

      $14,936

      $14,936

      Other Expenses

      $3,859

      $3,859

      Total Cost of Attendance

      $32,331

      $54,363

      Financial Aid

      Recently, 79% of students received financial aid to help with University of Hawaii at Manoa tuition in the form of student loans, scholarships, and grants.

      Generally, financial aid is monetary assistance awarded to students based on personal need and merit. Students who qualify for financial aid can use it to pay for college costs like tuition, books, and living expenses.

      The federal government is the largest provider of student financial aid. However, aid can also be given by state governments, colleges and universities, private companies, and nonprofits. The different types include:

      •  Scholarships: These can be awarded by schools and other organizations based on students’ academic excellence, athletic achievement, community involvement, job experience, field of study, and financial need.

      •  Grants: Generally based on financial need, these can come from federal, state, private, and nonprofit organizations.

      •  Work-study: This federal program provides qualifying students with part-time employment to earn money for expenses while in school.

      •  Federal student loans: This is money borrowed directly from the U.S. Department of Education. It comes with fixed interest rates that are typically lower than private loans.

      Colleges, universities, and state agencies use the Free Application for Federal Student Aid (FAFSA) to determine financial aid eligibility. The FAFSA can be completed online, but note that state and federal and school deadlines may differ.

      You can find other financial aid opportunities on databases such as:

      •  US Department of Education – Search for grants from colleges and universities by state

      •  College Scholarship Service Profile (CSS) – A global college scholarship application used by select institutions to award financial aid

      Recommended: The Differences Between Grants, Scholarships, and Loans

      Private Student Loans

      Many UH Manoa students take out either federal student loans or private loans to help with Hawaii University tuition; 31% take out federal loans and 4% take out private loans. The average amount for a private student loan is $13,456.

      Private loans are funded by private organizations such as banks, online lenders, credit unions, some schools, and state-based or state-affiliated organizations. While federal student loans have interest rates that are regulated by Congress, private lenders follow a different set of regulations so their qualifications and interest rates can vary widely.

      What’s more, private loans have variable or fixed interest rates that may be higher than federal loan interest rates, which are always fixed. Private lenders may (but don’t always) require you to make payments on your loans while you are still in school, compared to federal student loans which you don’t have to start paying back until after you graduate, leave school, or change your enrollment status to less than half-time.

      Private loans don’t have a specific application window and can be applied for on an as-needed basis. However, if you think you may need to take out a private loan, it’s a good idea to submit your FAFSA first to see what federal aid you may qualify for as it generally may have better rates and terms.

      If you’ve missed the FAFSA deadline or you’re struggling to pay for school throughout the year, private loans can potentially help you make your payments. Just keep in mind that you will need enough lead time for your loan to process and for your lender to send money to your school.

      Recommended: Guide to Private Student Loans

      Projected 4-Year-Degree Price

      To attend the University of Hawaii at Manoa for four years, the price, including tuition and fees, room and board, and books would be (based on 2023-24 rates) $129,324 for in-state students and $217,452 for out-of-state students. According to CollegeData.com, the average cost of attendance at a four-year public university is $116,600 for four years for out-of-state students and $166,160 for private universities.

      Here’s some Hawaii Student Loan & Scholarship Information for you.

      Repay student loans your way.

      Find the monthly
      payment & rate that fits your budget.

      Undergraduate Tuition and Fees

      Costs for 2023-24

      Student Type

      In-State

      Out-State

      Tuition & Fees

      $12,186

      $34,218

      Room & Board

      $14,936

      $14,936

      Total/td>

      $27,122

      $49,154

      University of Hawaii tuition and fees in Manoa were $27,122 for students from Hawaii, including room and board, and $49,154 for those from other states.

      Graduate Tuition and Fees

      Costs for 2023-24

      Student Type

      In-State

      Out-of-State

      Tuition

      $15,600

      $33,648

      Fees

      $902

      $902

      Books & Supplies

      $1,350

      $1,350

      Total

      $17,850

      $35,900

      Hawaiian students attending UH Manoa graduate school paid, on average, $17,852 for their studies in 2023-24, while those from other states paid $35,900. The national average for graduate school is $21,730 per year for tuition and fees. There are graduate loans available to help with these costs.

      Cost per Credit Hour

      If you prefer to attend UH Manoa part-time, the fee per credit for in-state undergraduate students is $471, and for out-of-state students the fee is $1,389.

      This student loan and scholarship information can help you explore options to pay for college.

      Campus Housing Expenses

      Costs for 2023-24

      Student Type

      In-State

      Out-of-State

      Room & Board

      $14,936

      $14,936*

      Other Expenses

      $3,859

      $3,859*

      *Availability not guaranteed; Out-of-state students may need to access off-campus housing instead. Current cost estimates are $17,357 for off-campus housing with other expenses at $4,975

      Students who live on campus can choose from ten residence halls (some of which offer living and learning communities) and two apartment complexes.

      Students who live off campus can live in one of the university’s apartment buildings or any number of housing options near campus.

      University of Hawaii at Manoa Acceptance Rate

      Fall 2023

      Number of applications

      19,219

      Number accepted

      13,392

      Percentage Accepted

      70%

      The University of Hawaii acceptance rate is high, at 70%.

      Admission Requirements

      Here’s what you need to include with your application to the University of Hawaii at Manoa:

      Required:

      •  High school transcript

      Recommended:

      •  Letter of recommendation

      •  Personal statement and list of achievements form

      •  SAT or ACT scores

      You can apply to the University of Hawaii at Manoa here .

      SAT and ACT Scores

      Applicants are not required to submit test scores, though they may choose to do so. As a result, the school no longer provides data on test score percentiles.

      Graduation Rate

      Here is the graduation rate for students who started their studies at the University of Hawaii at Manoa in 2017:

      •  6 years: 63%

      Post-Graduation Median Earnings

      After graduating from UH at Manoa, students earn, on average, $58,000 per year. This is somewhat lower than the U.S. average for graduates of $68,516.

      Bottom Line

      The University of Hawaii at Manoa offers a fine education and a gorgeous backdrop of beaches and lush nature. Don’t let the tuition price tag keep you away: You can take out private student loans to cover the cost of University of Hawaii tuition.

      SoFi private student loans offer competitive interest rates for qualifying borrowers, flexible repayment plans, and no origination fees.

      View Your Rate

      SoFi Private Student Loans
      Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
      Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
      SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.


      SoFi Loan Products
      SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


      Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

      External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

      SOISL-Q225-073

      Read more

      University of Alabama Tuition and Fees


      University of Alabama Tuition and Fees

      University of Alabama Tuition and Fees

      On this page:

        By Susan Guillory

        (Last Updated – 06/2025)

        The University of Alabama offers a range of undergraduate, graduate, and professional programs, each with its own tuition structure and associated fees. Tuition rates vary significantly depending on residency status — Alabama residents benefit from lower in-state rates, while out-of-state and international students pay higher out-of-state tuition.

        Keep reading for a full understanding of the cost of attendance at the University of Alabama — including estimates for living expenses and optional fees — in addition to graduation rates, popular majors, and average starting salary for graduates.

        Total Cost of Attendance

        The University of Alabama, located in Tuscaloosa, Alabama, is a well-respected public university known for its law school. University of Alabama tuition for the 2023-24 school year was $11,900 for in-state students and $33,200 for out-of-state students.

        Recommended: Alabama Student Loan and Scholarship Information

        Costs for 2023-24

        Student Type

        In-State

        Out-State

        Tuition & Fees

        $11,900

        $33,200

        Books & Supplies

        $800

        $800

        Food & Housing

        $14,840

        $14,840

        Other Expenses

        $5,842

        $5,842

        Total Cost of Attendance

        $32,382

        $54,682

        Financial Aid

        An overwhelming majority of students at the University of Alabama receive financial aid; 85% take out student loans or receive grants or scholarships.

        Generally, financial aid is monetary assistance awarded to students based on personal need or merit. Students who qualify for financial aid can use it to pay for college costs like tuition, books, and living expenses.

        The federal government is the largest provider of student financial aid. However, aid can also be given by state governments, colleges and universities, private lenders, and nonprofits. The different types include:

        •  Scholarships: Scholarships can be awarded by schools and other organizations based on students’ academic excellence, athletic achievement, community involvement, job experience, field of study, or financial need.

        •  Grants: Grants are generally based on financial need. These can come from federal, state, private, or nonprofit organizations.

        •  Work-study: Federal Work-Study provides qualifying students with part-time employment to earn money for expenses while in school.

        •  Federal student loans: are money borrowed directly from the U.S. Department of Education. It comes with fixed interest rates that are typically lower than private loans.

        Colleges, universities, and state agencies use the Free Application for Federal Student Aid (FAFSA®) to determine financial aid eligibility. The FAFSA can be completed online, but note that state, federal, and school deadlines may differ.

        You can find other financial aid opportunities on databases such as:

        •  US Department of Education – Search for grants from colleges and universities by state

        •  College Scholarship Service Profile (CSS) – A global college scholarship application used by select institutions to award financial aid

        Recommended: The Differences Between Grants, Scholarships, and Loans

        Private Student Loans

        Of those students who take out student loans to help with University of Alabama tuition, 37% take out federal loans and 11% choose private loans. The average private student loan per year is $26,980.

        Private loans are funded by private organizations such as banks, online lenders, credit unions, some schools, and state-based or -affiliated organizations. While federal student loans have interest rates that are regulated by Congress, private lenders follow a different set of regulations, so their qualifications and interest rates can vary widely.

        What’s more, private loans have variable or fixed interest rates that may be higher than federal loan interest rates, which are always fixed. Private lenders may (but don’t always) require you to make payments on your loans, while you are still in school, compared to federal student loans which you don’t have to start paying back until after you graduate, leave school, or change your enrollment status to less than half-time.

        Private loans don’t have a specific application window and can be applied for on an as-needed basis. However, if you think you may need to take out a private loan, it’s a good idea to submit your FAFSA first to see what federal aid you may qualify for, since it generally has better rates and terms.

        If you’ve missed the FAFSA deadline or you’re struggling to pay for school during the year, private loans can potentially help you make your tuition payments. Just keep in mind that you will need enough lead time for your loan to process and for your lender to send money to your school.

        Recommended: Guide to Private Student Loans

        Projected 4-Year-Degree Price

        To attend the University of Alabama for four years, tuition, fees, room and board, and other expenses would total $133,528 for students who live in Alabama and $218,728 for those from other states. According to CollegeData.com, the average total cost for four years for a public university in the U.S. is $115,360.

        Here’s some Student Loan & Scholarship Information for you.

        Repay student loans your way.

        Find the monthly
        payment & rate that fits your budget.

        Recommended: Credit Hours: What Are They & Why They Matter


        Undergraduate Tuition and Fees

        Costs for 2023-24

        Student Type

        In-State

        Out-State

        Tuition & Fees

        $11,900

        $33,200

        Room & Board

        $14,840

        $14,840

        Total Cost of Attendance

        $26,740

        $48,040

        In-state students paid $11,900 for tuition in 2023-24, and out-of-state students paid $33,200. Both had room and board fees of $14,840.

        Graduate Tuition and Fees

        Costs for 2023-24

        Student Type

        In-State

        Out-State

        Tuition

        $11,100

        $32,400

        Fees

        $640

        $640

        Total Cost of Attendance

        $11,740

        $33,040

        Interested in graduate school? University of Alabama tuition for grad school students in 2023-24 was $11,100 (in-state) and $32,400 (out-of-state). There are graduate loans available to help with these costs.

        Cost per Credit Hour

        Students who attend the school part-time don’t pay the full University of Alabama tuition. Instead, in-state students pay $545 per credit hour and out-of-state students pay $1,520 per credit hour.

        Campus Housing Expenses

        Costs for 2023-24

        Student Type

        On-Campus

        Off-Campus

        Room & Board

        $14,840

        $400+/month*

        Other Expenses

        $5,842

        $6,598

        *Starting rate for a studio based on available apartments on U of A’s off-campus housing website in 2025.

        U of A has 34 residence halls and 9,000 students live on campus. Freshmen are required to live on campus. The school also offers Living-Learning Communities (LLCs), where students with common interests or academic goals can build their own community.

        Upperclassmen may choose to live on campus or off. There are many rentals available. This guide can help you find off-campus options.

        University of Alabama Acceptance Rate

        Fall 2023

        Number of applications

        58,418

        Number accepted

        44,398

        Percentage Accepted

        76%

        Of the students who apply, 76% are accepted, making the University of Alabama acceptance rate high.

        Admission Requirements

        University of Alabama admissions require certain documents in addition to your application:

        Required:

        •  High school transcript and GPA

        •  Secondary school record

        •  Completion of college-preparatory program

        Recommended:

        •  Secondary school rank

        •  Admission test scores

        The deadline to apply to the University of Alabama, for both admission and scholarships, is January 10. You can apply here.

        SAT and ACT Scores

        No test scores are required for students entering in the fall of 2025. However, if you would like to submit your scores, it can be helpful to compare them to scores in the 25th and 75th percentile:

        Subject

        25th Percentile

        75th Percentile

        SAT Evidence-Based
        Reading/Writing

        590

        700

        SAT Math

        580

        700

        ACT Composite

        24

        31

        ACT English

        23

        33

        ACT Math

        22

        29

        Graduation Rate

        The six-year graduation rate of students who began their studies in 2017 is 74%; the four-year graduation rate is 56%.

        Post-Graduation Median Earnings

        Median earnings of those who attended U of A is $59,000 a year, which is less than the national average for graduates of four-year schools at $68,680 a year.

        Bottom Line

        When it comes to educational value, the University of Alabama delivers. You get a world-class staff, affordable tuition, and a variety of programs you can choose to study.

        Once you’ve nailed down your school, it’s time to figure out how you’ll finance your education. Ways to pay for college include cash savings, scholarships, grants, federal student loans, and private student loans.

        If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.


        Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

        View Your Rate

        SoFi Private Student Loans
        Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
        Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

        SoFi Loan Products
        SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


        Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.


        Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.



        Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

        External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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        Is This the Summer for a Road Trip?

        If you’re still working out your summer vacation plans — and like many of us, watching your costs — it could be a good year for a road trip.

        Gas prices are lower than they’ve been in years heading into summer. They’re averaging about 40 cents a gallon cheaper than this time last year and are forecast to stay low for the season.

        Hotel prices are also on the decline, and averaged 2.4% less in April than a year earlier, according to the latest Consumer Price Index. That may not sound like much, but given the trajectory of inflation generally, it’s actually pretty good news for travelers, according to the U.S. Travel Association.

        In fact, the open road seems to be calling more Americans as economic uncertainty makes them more careful about their travel spending, according to a survey by Deloitte.

        Between late March and early April, the percentage of travelers planning a road trip rose from 64% to 71% while the share who were planning to fly went down. At the same time, travelers’ budgets for summer trips fell 7.8% to $4,606, on average.

        Experiences like travel “remain non-negotiable, even if it means trading restaurants, shopping, and second trips for one meaningful getaway,” analysts at KPMG, the big consulting firm, wrote in a recent report on consumer spending. “We’re seeing a more selective and cost-conscious summer travel season.”

        If you do plan to fly, there’s some good news there too. Fewer flyers means lower prices. Airfares are about 8% less expensive than a year ago and the cheapest they’ve been since 2022, according to the CPI.

        So what? A road trip is one way to make affordable travel plans without a lot of lead time. But even if you have your heart set on a wheels-up destination, you may be able to find some good deals this year. Here are a few travel tips to help you keep your costs down no matter where you’re going:

        •   Consider traveling in June or September to avoid peak rates.

        •   Set a daily spending limit for food, activities and any extras.

        •   Look for discounts on last-minute trips on the SoFi app.1

        •   Book hotels that include breakfast.

        •   Look for free walking tours to save money and avoid crowds.

        •   Bring your own reusable water bottles.

        Related Reading

        •   25 Ways to Cut Costs on a Road Trip (SoFi)

        •   How to Calculate the Cost of Gas for a Road Trip (TripSavvy)

        •   Summer 2025 Is a ‘Perfect Storm for Cheap Flights,’ Expert Says: 5 Destinations That Won’t Break the Bank (CNBC)


        1 Terms, and conditions apply: This SoFi member benefit is provided by Expedia, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider’s terms: Travel Services Terms & Conditions.

        The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx

        When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.


        Eligibility:
        You must be a SoFi registered user.
        You must agree to SoFi’s privacy consent agreement.
        You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.
        You must pay using your SoFi Credit Card.
        SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/
        Terms applicable to SoFi Member Rewards: https://www.sofi.com/terms-of-use/#rewards

        Additional Terms:
        Changes to your bookings will affect the rewards points balance for the purchase.
        Any canceled bookings or fraud will cause rewards points to be rescinded.
        Rewards points can be delayed by up to 7 business days after a transaction posts on members’ SoFi Credit Card ledger.
        SoFi reserves the right to withhold rewards points for suspected fraud, misuse, or suspicious activities.

        ©2025 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

        Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

        The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

        SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

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        Current Mortgage Rates in Hampton, VA Today

        HAMPTON MORTGAGE RATES TODAY

        Current mortgage rates in

        Hampton, VA.




        View your rate

        Apply online or call for a complimentary mortgage consultation.

        Compare mortgage rates in Hampton.

        Key Points

        •   A good credit score, low debt, and a large down payment can all boost your chances of landing a more attractive interest rate.

        •   A good credit score, low debt, and a large down payment can all boost your chances of landing a more attractive interest rate.

        •   Investigate first-time homebuyer programs for financial aid and lower down payment options.

        •   Mortgage rates are influenced by economic factors like the bond market, inflation, and the housing market.

        •   Use online mortgage calculators to compare monthly payments and total interest paid for different loan offers.

        Introduction to Mortgage Rates

        Mortgage rates in Hampton, Virginia, are a key consideration for anyone buying a home in this area. This guide is designed to help you understand how mortgage rates are determined and how you can secure the best rate in Hampton. We’ll cover the economic and personal factors that influence the mortgage rates you’re likely to be offered and provide you with tips on how to get the best deal on your mortgage. The more you know about mortgage rates, the better equipped you will be to make a smart decision.

        Where Mortgage Rates Come From

        The mortgage interest rates lenders offer you depends on multiple factors. The bond market has a major influence on rates, especially the 10-year U.S. Treasury Note. When interest rates on the note go up, home loan rates usually rise as well. Inflation and the housing market can also play a role.

        Mortgage rates are also personalized for individual borrowers, taking into account their finances and credit history. The rates lenders offer you are influenced especially by your credit score. The higher your score, the lower the rate you’re likely to get. Making a larger down payment may also decrease your rate since lenders assume that a homebuyer who has more equity in their home will be less likely to default.

        Finally, lenders consider your debt-to-income (DTI) ratio when determining your interest rate. They like to see a DTI ratio of 36% or less, ideally.

        See what factors impact your mortgage.

        See how different loan amounts, down payments, and other factors impact your home mortgage with our mortgage calculator.

        See what factors impact your mortgage.

        See how different loan amounts, down payments, and other factors impact your home mortgage with our mortgage calculator.

        How Interest Rates Affect Home Affordability

        Mortgage rates in Hampton, Virginia, can have a big impact on the affordability of a home.

        Let’s break it down. A $400,000 loan at a 6.50% interest rate would have a monthly payment of $2,528. But if the interest rate is half a percentage point higher, at 7.00%, the monthly payment would increase to $2,661.

        Over 30 years, a homeowner with the lower rate would save almost $48,000 in interest.

        The moral is that it’s worthwhile to compare offers from multiple lenders, negotiate, and do your best to improve your financial standing. Because getting a better rate can have a big impact on your monthly budget and long-term financial health.

        Recommended: Best Affordable Places to Live in the U.S.

        Hampton, Virginia Mortgage Rate Trends

        Historical U.S. Mortgage Rates

        If you want to get the best mortgage rate in Hampton, some historical perspective on rates can be helpful. For example, it’s true that average mortgage rates rose from their all-time low in 2021. But they’re still nowhere near the highs they hit in earlier decades.

        The 50-year interest rate graph below illustrates the fluctuating nature of mortgage rates. You’ll see that recent rates remain well below historical highs.

        For a local look, the chart below the graph compares Virginia’s average yearly interest rate to the national average. (The Federal Housing Finance Agency stopped compiling this data after 2018.) Note that Virginia’s rates are typically quite close to national rates.

        Year Virginia Rate U.S. Rate
        2000 8.03 8.14
        2001 7.02 7.03
        2002 6.54 6.62
        2003 5.82 5.83
        2004 5.70 5.95
        2005 5.93 6.00
        2006 6.54 6.60
        2007 6.41 6.44
        2008 6.02 6.09
        2009 4.97 5.06
        2010 4.71 4.84
        2011 4.52 4.66
        2012 3.67 3.74
        2013 3.86 3.92
        2014 4.16 4.24
        2015 3.96 3.91
        2016 3.77 3.72
        2017 4.10 4.03
        2018 4.59 4.57


        Source: Federal House Finance Agency

        Should You Wait for Interest Rates to Take a Dip?

        If you’re looking to buy a home in Hampton, there’s a good chance you’re wondering whether you should put your plans on hold to see if interest rates are going to drop. While it’s always smart to keep an eye on the market, current predictions anticipate that mortgage rates are likely to remain relatively stable in the near future. According to Fannie Mae estimates, the average mortgage rate will probably land around 6.30% by the end of 2025, and 6.20% at the close of 2026.

        Remember, if rates drop after you’ve bought your home, you can always opt for a mortgage refinance down the road.

        How Costs Stack Up in Hampton

        The cost of living in your city can be a major factor as you plan your finances, since it has an impact both on home prices and on how easy (or not) it will be for you to budget for your monthly mortgage payments.

        Here’s how Hampton compares to other towns in Virginia on an index where 100 equals the average cost of living in the U.S.

        Virginia City Cost of Living
        Alexandria 124.1
        Arlington 135.1
        Blacksburg 93.6
        Charlottesville 103.1
        Danville 89.2
        Hampton 87.9
        Lynchburg 92.3
        Martinsville-Henry County 89.2
        Richmond 94.2
        Roanoke 90.8
        Winchester 102.4

        Recommended: The Best Affordable Places in the U.S.

        How to Get Your Best Possible Rate in Hampton, VA

        To secure the best mortgage rate in Hampton, Virginia, it pays to play the long game. Think about making the following smart moves, even if you’re at the very beginning of your home-buying journey.

        •   Strength your credit score by making your payments on time and paying down your credit card balances.

        •   Lower your debt-to-income (DTI) ratio by chipping away at your debts, starting with the highest interest rate.

        •   Make a larger down payment if you can, using savings and gifts from friends and family.

        •   Compare rates from multiple lenders to find the best rate and fees, since they vary quite a bit by lender.

        •   Consider going through the mortgage preapproval process. This can give you a clearer sense of what will be affordable.

        Tools & Calculators

        When it comes to making the right choices for your home purchase in Hampton, Virginia, online calculators are your friend. A mortgage calculator, for instance, can help you see the big picture by estimating your monthly payments and total costs given different interest rates and loan terms. Comparing offers from different lenders is a smart move, and online tools make it easy to make the most cost-effective choice.

        Here are three useful calculators.

        Run the numbers on your home loan.

        Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.

        Types of Mortgages Available in Hampton

        In Hampton, Virginia, you’ve got many types of mortgage loans to choose from, each tailored to different financial scenarios.

        Conventional mortgages are a solid choice if your credit score is 620 or higher. These loans typically have competitive rates and offer a variety of terms and down payment options. But don’t worry if a conventional loan doesn’t seem right for you: There are other possibilities, like FHA and VA loans, which have lower down payment requirements and more forgiving credit requirements.

        Fixed-Rate Mortgages

        A fixed-rate mortgage provides you with the security of knowing your interest rate will remain the same for the entire loan term. That means your monthly payments will be predictable, which helps you budget more effectively. There are a variety of loan terms, though you’ll probably see 15- and 30-year options most often. While a 30-year term often translates to lower monthly payments, it’s essential to consider the cumulative interest cost over time. If you can afford the payments on a 15-year fixed-rate loan, you’ll pay much less interest over the life of the loan.

        Adjustable-Rate Mortgages (ARMs)

        Adjustable-rate mortgages (ARMs) generally start off with a lower rate than fixed-rate loans. After an introductory period of several years, the rate adjusts regularly in accordance with the market. If your initial period is seven years, say, and you know you’ll have to relocate and sell your house in five, getting an ARM can be a smart strategic decision. But if your plans change, make sure you’re well-versed in the cap and adjustment frequency of your loan so that you won’t be completely taken by surprise by fluctuating mortgage payments.

        FHA Loans

        Backed by the Federal Housing Administration, FHA loans can open the door to homeownership for many people by offering more relaxed eligibility criteria than conventional loans. Typically, a credit score of 580 and a minimum down payment of 3.5% are required, and these loans are very popular with first-time homebuyers. These loans do come with a mortgage insurance premium: 1.75% of the loan amount upfront and then between 0.15% and 0.75% every month.

        VA Loans

        VA loans are available to those who have served our country. Borrowers who are eligible include active-duty military members, veterans, reservists, National Guard members, and some surviving spouses. One of the primary benefits of VA loans is that they don’t require a down payment, which can make homeownership more accessible. Additionally, VA loans often come with lower interest rates and no private mortgage insurance (PMI). If you’re eligible, exploring VA loans can be a smart financial move.

        Jumbo Loans

        In most parts of the country, including Hampton, the conventional loan limit for a single-family home is $806,500. If you have to borrow more than this amount to purchase a property, you’ll need a jumbo loan. Jumbo loans typically have more stringent qualification requirements, such as higher credit scores and larger down payments. A jumbo loan could be a smart choice for buying a more expensive property, but be sure to consider the terms and conditions of jumbo loans to ensure they fit your financial goals.

        How to Evaluate Loan Offers in Hampton

        A competitive mortgage rate can be key for your financial and life goals. As we’ve seen, even half a percentage point can translate to a significant sum over the life of your loan. Here are some smart steps to take as you consider loan offers.

        •   Make sure you compare rates and fees from multiple lenders.

        •   Review each loan’s annual percentage rate (APR), which includes fees, closing costs, and mortgage points to give you a more complete picture of the loan’s costs.

        •   If you’re concerned about rates rising while you negotiate your closing, many lenders will let you pay a fee to lock in your rate for up to 90 days.

        Recommended: Average Monthly Expenses for One Person

        Hampton Mortgage Resources

        Hampton, Virginia has programs that can help you on your journey to homeownership, especially if you’re buying your first home or have limited financial means.

        The Virginia Housing Development Authority is your go-to, offering a variety of low-rate mortgages and programs tailored to different needs. (Note that while for some you can only qualify as a first-time homebuyer, many others are open to repeat buyers.)

        Consider the Conventional Home Loan, for instance, a 30-year fixed-rate loan for first-time homebuyers that asks for only a 3% down payment. Or look at the Conventional No Mortgage Insurance loan, which requires a slightly higher credit score but offers the possibility of not having to pay for mortgage insurance.

        And let’s not forget down payment assistance programs: The Down Payment Assistance Grant, which provides first-time homebuyers with up to 2.5% of their loan amount to put toward their down payment. These are just a few of the tools at your disposal to make homeownership more attainable.

        Closing Costs in Hampton

        Closing costs typically range from 2% to 5% of the loan value. These costs could include loan origination fees, appraisal fees, and title insurance, to name just a few.

        The average cost of a house in Hampton is about $267,000. Closting costs on a loan of $267,000 would be between $5,340 and $13,350.

        When you’re comparing mortgage rates in Hampton, Virginia, make sure to consider closing costs to get a full understanding of your expenses. Shopping around for the best mortgage rates and negotiating terms can help you reduce your overall costs.

        The Takeaway

        The mortgage market in Hampton, Virginia is full of options, and by keeping an eye on current mortgage rates and exploring the various assistance programs, you can make the best decisions for your financial goals. Whether you’re a first-time homebuyer or an experienced homeowner looking to relocate, understanding the different types of mortgages and the factors that influence rates will enable you to make an informed decision. And comparing rates and terms from a variety of lenders can help you secure the best deal for you.

        Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

        SoFi Mortgages: simple, smart, and so affordable.


        View your rate


        FAQ

        Will mortgage rates drop in Hampton, VA?

        Predicting the trajectory of mortgage rates is tough, but keeping an eye on the 10-year Treasury Bond can give you an idea of where rates are headed. It may help to know that current predictions are for mortgage rates to stay relatively stable this year, and perhaps into 2026. Rather than looking to mortgage rates to determine the right time to make a move, consider your financial readiness and reason for buying.

        Will mortgage rates ever go back to normal?

        We may not see the record low mortgage rates of the Covid-19 pandemic again. In fact, rates are currently at what are considered moderate levels, which could be considered “normal.” Fannie Mae predicted early in 2025 that rates would remain relatively stable and end the year at about 6.30%.

        Can you tell me how to lock in a mortgage rate?

        After you have a loan offer with an interest rate you like, you can ask the lender to lock your rate. A rate lock typically lasts 30 to 60 days. It’s sometimes free but otherwise costs between 0.25% and 0.50% of your loan amount.

        How do mortgage interest rates work?

        Mortgage interest rates are the fees you pay to borrow money for a home purchase, expressed as a percentage of the loan amount. These rates can be fixed or adjustable. Fixed-rate mortgages retain the same interest rate for the entire loan term, which can protect you from rising rates and provide predictable monthly payments. Adjustable-rate mortgages (ARMs) have rates that can change after an initial fixed-rate period, meaning that your monthly payments may become less predictable.


        SoFi Loan Products
        SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


        SoFi Mortgages
        Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.


        *SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.


        ¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.


        †Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.


        Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.


        Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
        Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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