Harding University
Searcy, Arkansas · Private Nonprofit · 70.5% acceptance rate
ROI Score: 47/100 · Below Average Value
Data: 2024-25 College Scorecard release
Harding University is a private Christian university of 3,382 students in Searcy, Arkansas. ROI score of 47 - Below Average Value - reflects a 12.8-year payback period, median debt of $26,500, and six-year earnings of $35,600. The 69% completion rate is decent, and the repayment rate of 81% suggests graduates do manage their debt - slowly. The debt-to-earnings ratio of 0.744 sits in problematic territory. Computer Science (28 graduates) and Registered Nursing (48 graduates) are the two programs with clearly defensible outcomes. Outside those programs, most of Harding's graduates enter labor markets that do not pay premiums for the credential. The school's Christian identity is a genuine draw for students seeking a faith-integrated environment, and cultural fit matters - but those considering Harding for financial reasons need to scrutinize program-level data closely.
Harding University
Quick Numbers
| In-state tuition + fees | $26,262/yr |
| Out-of-state tuition + fees | $26,262/yr |
| Average net price | $22,130/yr |
| Total 4-year cost (net) | $88,520 |
| Median earnings (10yr post-entry) | $52,876 |
| Average earnings (6yr post-entry) | $35,600 |
| Median debt at graduation | $26,500 |
| Estimated monthly loan payment | $281 |
| Estimated payback period | 12.8 years |
| 6-year graduation rate | 68.8% |
| Undergraduate enrollment | 3,382 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $26,262/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $22,130/year, or roughly $88,520 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $15,418/year here, while families earning over $110,000 pay $26,284/year.
Among graduates who borrowed, the median federal loan debt from this school is $26,500, which works out to about $281 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($35,600) and comes to 0.74, under 1.0, meaning median debt is less than a full year of those earnings.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $15,418 |
| $30,001 - $48,000 | $17,430 |
| $48,001 - $75,000 | $19,832 |
| $75,001 - $110,000 | $22,017 |
| $110,001+ | $26,284 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay $15,418 per year at Harding. Low-income students who can access strong financial aid awards and who choose CS, nursing, or accounting have a defensible path. Most other programs at this income level are financially risky.
Middle-income families ($30K-$110K)
The $30-48k bracket pays $17,430, the $48-75k range reaches $19,832, and $75-110k hits $22,017. The slope is steady and gradual - about $2,000 per income tier - which is predictable if not particularly favorable. Middle-income families paying roughly $80,000 over four years need to be in one of Harding's stronger programs.
Higher-income families ($110K+)
Families over $110k pay $26,284 - approaching full sticker price of $26,262. Over four years, that is about $105,000. With a 12.8-year payback period and median 10-year earnings of $52,876, high-income families paying full price should have a clear plan for how their student will outperform the institutional median.
Earnings by Major
Top 10 most popular majors at Harding University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Teacher Education | $41,228 | C |
| Registered Nursing | $71,872 | B |
| Kinesiology and Exercise Science | $54,149 | D |
| Public Relations, Advertising, and Applied Communication | $51,434 | D |
| Psychology | $45,814 | D |
| Teacher Education, Subject-Specific | $51,067 | C |
| Accounting | $80,311 | C+ |
| Computer Science | $92,014 | B+ |
| Communication Disorders Sciences | $58,184 | B |
| Social Work | $48,833 | C |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Computer Science
Computer Science is Harding's strongest ROI program, producing 28 graduates annually. Early-career median pay of $78,041 and four-year median of $92,014 (B+ grade) with $24,149 in median debt (ratio 0.309) are solid. The program benefits from Harding's emphasis on applied, industry-ready skills and connections to Christian-affiliated technology employers. Graduates from faith-based tech programs find a niche market - particularly in nonprofit technology, church media, and Christian educational software sectors, alongside conventional tech roles. The small class size means individual mentorship and career coaching are accessible.
Registered Nursing
Registered Nursing produces 48 graduates annually. Early-career pay of $69,743 and four-year median of $71,872 (B grade) reflect Arkansas nursing wages, which trail coastal markets but provide stable employment. Median debt of $30,000 and a ratio of 0.430 are manageable. Arkansas healthcare systems, including Baptist Health and UAMS affiliates, recruit Harding nursing graduates. The program's faith-based affiliation resonates with students seeking healthcare roles in faith-integrated settings. The debt load is higher than ideal but workable against nursing's reliable earnings.
Accounting
Accounting produces 32 graduates per year. Early-career median pay of $58,649 and four-year median of $80,311 (C+ grade) reflect the standard Arkansas public accounting market. The $27,000 median debt and ratio of 0.460 are borderline. Harding's accounting program is well-regarded in Arkansas and produces graduates who enter regional CPA firms and private industry. The CPA pipeline is the primary value driver; students who earn licensure significantly outperform the program median. Those who do not pass CPA exams face a more challenging financial picture.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 76.2% | 68.8% |
| 3-year repayment | 80.7% | 73.6% |
| 5-year repayment | 77.3% | 67.7% |
| 7-year repayment | 77.4% | 72.8% |
Completion Rate
Trends Over Time
How Harding University’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 70.5% |
| SAT Math (25th-75th) | 520-630 |
| SAT Reading (25th-75th) | 530-660 |
| ACT Composite (25th-75th) | 20-29 |
| Enrollment | 3,382 |
| Pell Grant recipients | 23.8% |
| Avg faculty salary (monthly) | $8,008 |
Harding admits 71% of applicants with a broad ACT range of 20-29. This is moderately selective - accessible to most college-ready students. The school attracts students specifically seeking a Christian educational environment, so academic profile is secondary to cultural and religious fit in many admissions decisions.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
The school's combination of faith-based identity and moderate academic profile means its ROI must be evaluated program by program, not at the institutional level.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Harding University (this school) | 47 | $22,130 | $52,876 |
| Endicott College | 52 | $40,654 | $58,336 |
| Biola University | 50 | $31,495 | $56,778 |
| Park University | 50 | $21,032 | $56,309 |
| Lyon College | 29 | $19,616 | $44,232 |
| Arkansas Baptist College | 4 | $10,627 | $28,418 |
Who Thrives Here
Harding admits 71% of applicants with ACT 20-29 and SAT math 520-630, reading 530-660. The 24% Pell rate is moderate. Students who choose Harding do so primarily for its Christian community and values-aligned education - the campus culture is central to the school's identity. CS, nursing, and accounting students have the clearest path to outcomes that justify the cost. Students in most other programs need a strong career plan to overcome the gap between debt load and starting earnings.
The Verdict: Proceed With Caution
The money case for Harding University is mixed, and worth a hard look before you commit. At $22,130 per year after aid, the typical graduate earns $52,876 ten years after entry, which means it takes about 12.8 years to earn the cost back. For context, the median payback across the schools we score is about 12 years. Whether it's worth it comes down to your major and your aid package.
What it has going for it: its 68.8% graduation rate. What to keep an eye on: weak earnings relative to cost, a debt-to-earnings ratio of 0.74 (median across the schools we score: 0.61).
Median debt of $26,500 among graduates who borrowed, against average earnings of $35,600 six years after entry, gives a debt-to-earnings ratio of 0.74. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. Your major - and how much you borrow - really matters.
Harding University: Common Questions
Is Harding University worth it?
In our view, the money case is mixed and worth a hard look before you commit. Harding University scores 47/100 on our ROI scale. At $22,130 a year after aid the typical graduate earns $52,876 ten years after entry, so it takes about 12.8 years to earn the cost back. For context, the median payback across the schools we score is about 12 years.
How much does Harding University cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $22,130 a year, or roughly $88,520 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Harding University graduates earn?
The typical graduate earns about $52,876 ten years after enrolling, roughly $11,076 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off Harding University?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 12.8 years for Harding University. The median across the schools we track is about 12 years.
How much debt do Harding University graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $26,500, against average earnings of $35,600 six years after entry - a debt-to-earnings ratio of 0.74. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. How much you borrow really matters.
What is the graduation rate at Harding University?
The six-year graduation rate is 68.8%, at or above the 64% national average for four-year schools (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.