CollegeTuitionData — College Data in Plain English

Central Texas College

Killeen, TX 76549-4199 — Public

Value Score: 75/100 | ROI Score: 173 | Affordability Score: 90/100

Tuition (In-State): $3,750 | Out-of-State: $7,500

Graduation Rate: 13.1%

Median Earnings (10yr): $40,995 | Median Debt: $6,750

Student Body Size: 6,247 (medium)

Pell Grant Recipients: 37.1% | Federal Loan Rate: 41.9%

Average Faculty Salary: $6,654/month

Tuition & Affordability Analysis

In-state tuition at Central Texas College is $3,750 per year, which is 66% below the national average for public institutions.

Out-of-state students pay $7,500/year — a premium of $3,750 over in-state rates. Over four years, out-of-state students pay approximately $15,000 more than their in-state peers.

Estimated four-year tuition cost: $15,000 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at Central Texas College:

  • Families earning $0–$30,000: $7,714/year
  • Families earning $30,001–$48,000: $11,281/year
  • Families earning $48,001–$75,000: $11,567/year
  • Families earning $75,001–$110,000: $12,866/year
  • Families earning $110,000+: $13,581/year

Graduate Outcomes & Return on Investment

13.1% of students at Central Texas College complete their degree, 79% below the national average. This low graduation rate is a significant concern that prospective students should weigh carefully.

Graduates of Central Texas College earn a median salary of $40,995 ten years after enrollment, near the national average. This represents a $5,995/year earnings premium over the average high school diploma holder, or $179,850 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $6,750, 69% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $73/month, with a total repayment of $8,760 (including $2,010 in interest).

Debt-to-Earnings Ratio: 0.16x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from Central Texas College pays for itself in approximately 3 years. This is an excellent return on investment.

Financial Aid Profile

37.1% of students at Central Texas College receive Pell Grants (federal need-based aid for families earning under ~$60,000), 12% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

41.9% of students take federal loans, 11% below the national average. This is a moderate borrowing rate.

Average faculty salary: $6,654/month, 24% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Central Texas College enrolls 6,247 undergraduate students. As a large institution, students have access to a wide range of programs, research opportunities, and campus activities.

Diversity Index: 76/100 (higher = more diverse). Central Texas College has a highly diverse student body with strong representation across multiple racial and ethnic groups.

Student body composition: White 27%, Hispanic 29%, Black 28%, Asian 5%.

Central Texas College: Medium-Sized Public Institution with High Affordability

Report Card: Overall Grade B-

Central Texas College receives an overall grade of B- based on six dimensions:

  • Academics: D
  • Value: A
  • Outcomes: C
  • Affordability: A+

College Analysis

Central Texas College is a Public institution in Killeen, TX with approximately 6,247 students. Central Texas College has a low graduation rate, indicating potential challenges in academic success. The median earnings of graduates after 10 years are below the national average, suggesting limited career prospects. The college has a high affordability score, making it a cost-effective option for students.

The Verdict: Is Central Texas College Worth It?

Central Texas College presents a compelling value proposition, particularly for its target demographic. With a median 10-year earning potential of $40,995 and a remarkably low median debt of $6,750, the financial picture is quite favorable. The in-state tuition of $3,750 per year is exceptionally low, making it one of the most affordable options for higher education in Texas. The ROI score of 173 further supports its value, indicating a strong return on investment relative to cost and earnings. Graduates can expect to pay off their median debt in less than two years based on average earnings. Compared to the national average student debt and tuition costs, CTC offers a significantly less burdensome financial path to a degree or certificate. While the median earnings are modest compared to degrees from research-intensive universities, they are solid for the types of associate degrees and certificates CTC typically offers, especially when considering the low debt load. For students seeking vocational training, foundational associate degrees, or a pathway to a four-year degree with minimal financial risk, Central Texas College is a hidden gem. It provides a cost-effective route to career entry or advancement, especially for those connected to the military community or residing in the Killeen area. It's a good deal for the right student.

Return on Investment

While the degree is affordable, the low graduation rate and below-average earnings suggest that the return on investment may not be as high as at other institutions.

Debt Reality Check

Median student debt at Central Texas College: $6,750. Monthly payment on a standard 10-year plan: $77/month. Total repaid: $9,240 ($2,490 in interest).

Breakeven vs high school diploma: 0.6 years. Debt burden: Low. Salary needed for comfortable repayment: $9,240.

Strengths

  • High affordability
  • Strong online presence
  • Diverse student body

Weaknesses

  • Low graduation rate
  • Below-average median earnings
  • Below-average ROI score

Academic Profile

Central Texas College's academic profile is characterized by its strong emphasis on career and technical education, alongside robust associate degree programs designed for transfer to four-year institutions. Notable departments and programs often include those directly supporting the nearby Fort Cavazos (formerly Fort Hood) military community, such as Criminal Justice, Information Technology, and various healthcare fields like Nursing and Allied Health. The college also excels in providing foundational courses for students intending to pursue bachelor's degrees at other universities, making it a crucial pathway for many. Research opportunities are less common in the traditional sense of faculty-led, grant-funded projects typical of research universities. Instead, 'research' often manifests as in-depth project work within specific courses or capstone experiences, allowing students to apply theoretical knowledge to practical problems. Faculty quality is generally high, with instructors often bringing real-world experience from their respective industries, particularly in vocational and technical fields. While specific faculty salary data isn't readily available, the college is committed to hiring qualified instructors. Academic support is a cornerstone of the CTC experience, with resources like tutoring services, academic advising, and career counseling readily accessible to help students navigate their academic journey and career goals. The Honors Program offers a more challenging academic path for high-achieving students, providing enriched learning experiences and opportunities for academic distinction.

Financial Aid Guide for Central Texas College

Pell Grant recipients: 37.1%. Students taking federal loans: 41.9%.

Navigating financial aid at Central Texas College (CTC) is a practical process designed to make education accessible, especially for its diverse student population, which includes many military-affiliated individuals and working adults. CTC is committed to providing a range of financial aid options to help cover the affordable in-state tuition of $3,750 and out-of-state tuition of $7,500 per academic year. For students demonstrating financial need, federal Pell Grants are a primary source of aid, and while a specific Pell Grant Rate isn't published, it's a significant component for eligible students. Federal student loans are also widely available, with the median debt for graduates being a remarkably low $6,750, indicating that many students finance their education through grants, scholarships, or by minimizing loan reliance. CTC also participates in the Federal Work-Study program, offering part-time employment opportunities to students with financial need, allowing them to earn money to help pay for educational expenses. Merit-based aid is less emphasized compared to need-based aid, given CTC's mission as a community college focused on accessibility. However, institutional scholarships are available, often tied to specific programs, academic achievement, or community involvement. Typical aid packages can vary significantly based on income. For lower-income students, a Pell Grant might cover a substantial portion of tuition and fees, potentially supplemented by state aid or institutional scholarships. For middle-income students, a combination of federal loans, state aid, and potentially smaller institutional scholarships might be offered. Negotiating aid is generally not a standard practice at community colleges like CTC; the focus is on providing clear, transparent access to existing federal, state, and institutional aid programs based on established criteria. Students are strongly encouraged to complete the FAFSA (Free Application for Federal Student Aid) as early as possible to be considered for all available aid.

Hidden Costs at Central Texas College

  • Textbooks and course materials can range from $800 to $1,200 per academic year, depending on the program of study.
  • Technology fees, often around $50-$100 per semester, cover campus technology infrastructure and support.
  • Transportation costs, including gas and vehicle maintenance for commuting from off-campus housing in Killeen, can add $100-$300 per month.
  • Parking permits, if required for on-campus parking, typically cost $25-$50 per semester.
  • Student activity fees, usually $10-$20 per semester, fund student organizations and campus events.
  • Lab fees for specific science or technical courses can range from $50 to $150 per course.
  • Personal expenses such as food, toiletries, and entertainment, which can easily amount to $300-$500 per month for off-campus living.

Alumni Outcomes & Career Paths

Central Texas College (CTC) serves a unique demographic, often including active-duty military personnel, veterans, and their families, alongside local civilian students. This influences its alumni outcomes significantly. While specific major employer recruitment data for CTC is not publicly detailed, its graduates often find employment within the robust military and defense sectors surrounding Fort Cavazos (formerly Fort Hood). Major employers in the Killeen-Temple-Fort Hood metropolitan area include government contractors like Booz Allen Hamilton, SAIC, and Leidos, as well as healthcare providers such as Baylor Scott & White Health and Seton Medical Center Harker Heights. Industries where alumni cluster tend to be in defense, government services, healthcare, education, and skilled trades, reflecting the local economic drivers. CTC's focus on associate degrees and certificates means direct entry into the workforce is common, rather than extensive graduate school placement. However, for those pursuing further education, articulation agreements with four-year universities in Texas allow for seamless transfer. Notable alumni are less publicized due to the college's mission, but many graduates serve in critical roles within the military and local community. Career services at CTC are geared towards practical job placement and career readiness, offering resume workshops, interview preparation, and job fairs, often with a strong emphasis on connecting students with local and military-affiliated employers. Internship pipelines are often facilitated through partnerships with local businesses and military units, providing hands-on experience. Geographic hiring patterns for CTC graduates are heavily concentrated in Central Texas, particularly within the Killeen-Temple-Fort Hood area, though graduates with in-demand skills may find opportunities nationwide, especially within defense contracting.

Campus Life & Culture at Central Texas College

Central Texas College serves a highly diverse student body, with a significant portion being active-duty military, veterans, and their dependents, alongside local residents and international students. This creates a mature, goal-oriented learning environment where students often balance multiple responsibilities, thriving on practical education and flexible learning options.

Central Texas College (CTC) in Killeen, TX, offers a unique campus experience largely shaped by its significant military-affiliated student population and its role as a community college serving a diverse local and international community. The 'vibe' here is practical, focused, and often fast-paced, reflecting the needs of active-duty military personnel, veterans, their families, and local residents pursuing career advancement or associate degrees. Social life isn't centered around a traditional, sprawling campus quad; instead, it's more integrated into the Killeen community and often revolves around shared interests and academic pursuits. Student organizations are active, providing avenues for connection, from academic clubs related to specific programs like nursing or technology to groups supporting student veterans. Athletics, while present, are not a primary focus for the majority of students, with intramural sports and fitness facilities offering recreational outlets. Housing is primarily off-campus, with students typically living in the surrounding Killeen area, which offers a range of apartment complexes and rental homes. Dining options are more functional than elaborate, with campus eateries providing convenient fuel for busy students. The strong military presence means many students are balancing demanding schedules, so the social scene is often characterized by flexibility and a focus on community support rather than large-scale events. Expect a mature student body, many of whom are juggling work, family, and military commitments alongside their studies.

Campus Highlights

  • Strong ties to Fort Cavazos (formerly Fort Hood), offering specialized support and programs for military personnel and their families.
  • Extensive online course offerings, providing flexibility for students with demanding schedules.
  • A diverse student body representing various ages, backgrounds, and international origins.
  • Emphasis on career and technical education, preparing students directly for the workforce.
  • Affordable tuition rates, making higher education accessible to a broad range of students.
  • Transfer pathways to numerous four-year universities, facilitating seamless degree completion.
  • Commitment to student support services, including robust academic advising and career counseling.

Location & Regional Advantages

Central Texas College's location in Killeen, Texas, offers a distinct set of geographic advantages and challenges. The local job market is heavily influenced by the presence of Fort Cavazos, one of the largest military installations in the world. This creates a stable demand for civilian support roles, defense contractors, and service industries catering to military personnel and their families. Major employers like Booz Allen Hamilton, SAIC, and various healthcare systems (Baylor Scott & White Health) are significant anchors. The cost of living in Killeen is notably lower than in major Texas metropolitan areas like Austin or Dallas, making the relatively affordable tuition at CTC even more attractive. This affordability extends to housing and daily expenses, allowing graduates to potentially pay off debt faster. Proximity to Austin, about an hour's drive away, provides access to a larger, more diverse job market in tech, entertainment, and advanced manufacturing, though competition is higher. Quality of life in Killeen is characterized by a strong sense of community, particularly within the military-connected population. While it may lack the cultural amenities of larger cities, it offers a more relaxed pace and access to outdoor recreation. Safety is generally considered adequate, though like any community, it has areas with higher crime rates. The weather is typical Central Texas: hot summers and mild winters. This location directly impacts career opportunities by providing a solid base in defense and government contracting, with the option to leverage the proximity to Austin for broader career exploration, especially for those in technology or business fields.

How to Get Into Central Texas College

Central Texas College (CTC) operates with an open-door admissions policy, meaning the primary 'strategy' for getting admitted is meeting the basic eligibility requirements rather than competing for a limited number of spots. The focus is on accessibility and providing educational opportunities. Therefore, there are no Early Decision or Early Action advantages as selectivity is not a factor. The admissions office primarily values a student's intent to learn and their ability to meet prerequisite qualifications for chosen programs. For most associate degree and certificate programs, a high school diploma or GED is the main requirement. While GPA and test scores are not typically used as strict cutoffs for admission to the college itself, they become crucial for placement into specific courses or programs that may have prerequisites. Students are encouraged to submit transcripts to determine placement. Essays are generally not a required part of the application for general admission, though they might be requested for specific scholarships or honors programs. Demonstrated interest is not a formal policy; the college welcomes all eligible applicants. The timeline is flexible: applicants should aim to complete their application and financial aid forms (FAFSA) well before the start of their intended semester to ensure all processes are completed on time. For specific, competitive programs like Nursing, there may be additional application requirements and deadlines to be aware of.

How Central Texas College Compares to Similar Schools

Similar schools: Temple College, Austin Community College District, McLennan Community College, Blinn College

Advantages

  • Stronger ties to Fort Cavazos and the associated defense/government contracting job market.
  • Significantly lower median student debt compared to many community colleges.
  • Geographic advantage for students prioritizing the Killeen-Temple area's specific job opportunities and lower cost of living.

Disadvantages

  • Lower graduation rate (13.1%) compared to some peers, suggesting potential challenges with student retention or program completion.
  • Fewer diverse program offerings and potentially less robust transfer pathways compared to larger community college districts like ACCD.

Best For

  • Prospective students interested in high-paying careers may want to consider other institutions.
  • Students seeking a high graduation rate might find better options elsewhere.
  • Those looking for a more robust online program might explore other colleges with stronger online offerings.

Avoid If

  • Students who are looking for a high-earning career path may want to consider other colleges with better job placement rates.
  • Those seeking a high graduation rate might find better options elsewhere.

Frequently Asked Questions about Central Texas College

How much does it cost to attend Central Texas College?

In-state tuition at Central Texas College is $3,750 per year, and out-of-state tuition is $7,500 per year. The median student debt at graduation is $6,750.

What is the graduation rate at Central Texas College?

Central Texas College has a graduation rate of 13.1%.

How much do Central Texas College graduates earn?

The median earnings for Central Texas College graduates 10 years after enrollment is $40,995. With median debt of $6,750, graduates earn roughly 6.1x their debt level annually.

How big is Central Texas College?

Central Texas College has approximately 6,247 students and is classified as a medium institution. It is located in Killeen, TX and is a Public institution.

Is Central Texas College worth the cost?

Central Texas College has an ROI score of 173 out of 100. With in-state tuition of $3,750 per year and median post-graduation earnings of $40,995, the data suggests a positive return on investment.

Where is Central Texas College located?

Central Texas College is located in Killeen, TX. It is a Public institution with approximately 6,247 students.

How much student debt do Central Texas College graduates have?

The median student debt for Central Texas College graduates is $6,750. With median earnings of $40,995 ten years after enrollment, graduates can expect a debt-to-income ratio of 16%.

Is Central Texas College a good college?

Central Texas College has a graduation rate of 13.1% and median post-graduation earnings of $40,995. The student body is diverse with significant Hispanic and Black populations.

How does Central Texas College compare to similar colleges?

The college offers a wide range of academic programs including associate degrees and certificates. Compared to peer institutions, Central Texas College offers a more affordable education with lower tuition rates, but graduates earn less than the national average.

What career prospects do Central Texas College graduates have?

Graduates of Central Texas College are well-prepared for entry-level positions in various fields, particularly in the local job market.

What should prospective students know about Central Texas College?

Central Texas College is well-positioned in the local market, serving a diverse student body and offering affordable education.

What makes Central Texas College stand out?

Central Texas College has a strong online presence with a robust website and resources.

What are the pros and cons of attending Central Texas College?

The college is located in Killeen, a city with military presence, which may attract a significant number of students.

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.