CollegeTuitionData — College Data in Plain English

Fulton-Montgomery Community College

Johnstown, NY 12095-3790 — Public

Value Score: 75/100 | ROI Score: 59 | Affordability Score: 90/100

Tuition (In-State): $6,198 | Out-of-State: $6,798

Graduation Rate: 36.5%

Median Earnings (10yr): $39,535 | Median Debt: $12,125

Student Body Size: 1,001 (small)

Pell Grant Recipients: 27.4% | Federal Loan Rate: 16.9%

Average Faculty Salary: $8,949/month

Tuition & Affordability Analysis

In-state tuition at Fulton-Montgomery Community College is $6,198 per year, which is 43% below the national average for public institutions.

Out-of-state students pay $6,798/year — a premium of $600 over in-state rates. Over four years, out-of-state students pay approximately $2,400 more than their in-state peers.

Estimated four-year tuition cost: $24,792 (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 Fulton-Montgomery Community College:

  • Families earning $0–$30,000: $4,242/year
  • Families earning $30,001–$48,000: $6,390/year
  • Families earning $48,001–$75,000: $9,323/year
  • Families earning $75,001–$110,000: $10,771/year
  • Families earning $110,000+: $13,601/year

Low-income families receive an average discount of $1,956/year, paying just 68% of the sticker price.

Graduate Outcomes & Return on Investment

36.5% of students at Fulton-Montgomery Community College complete their degree, 41% below the national average. This low graduation rate is a significant concern that prospective students should weigh carefully.

Graduates of Fulton-Montgomery Community College earn a median salary of $39,535 ten years after enrollment, 3% below the national average. This represents a $4,535/year earnings premium over the average high school diploma holder, or $136,050 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $12,125, 44% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $132/month, with a total repayment of $15,840 (including $3,715 in interest).

Debt-to-Earnings Ratio: 0.31x. 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 Fulton-Montgomery Community College pays for itself in approximately 6 years. This is a reasonable investment timeline.

Financial Aid Profile

27.4% of students at Fulton-Montgomery Community College receive Pell Grants (federal need-based aid for families earning under ~$60,000), 17% below the national average. A lower Pell rate suggests the student body skews toward higher-income families. Merit aid may be more prevalent than need-based aid.

16.9% of students take federal loans, 64% below the national average. A low loan rate suggests strong institutional aid or a wealthier student body that doesn't need to borrow.

Average faculty salary: $8,949/month, near the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Fulton-Montgomery Community College enrolls 1,001 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 55/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 66%, Hispanic 12%, Black 6%, Asian 1%.

Fulton-Montgomery Community College: Affordable and High ROI, but Room for Improvement in Graduation Rates

Report Card: Overall Grade C+

Fulton-Montgomery Community College receives an overall grade of C+ based on six dimensions:

  • Academics: D
  • Value: B-
  • Outcomes: C
  • Affordability: A

College Analysis

Fulton-Montgomery Community College is a Public institution in Johnstown, NY with approximately 1,001 students. Academics: Offers a variety of programs including healthcare, business, and technology. Value: High affordability with a strong return on investment, especially for in-state students. Outcomes: Graduates have a median earnings of $39,535 after 10 years, with a graduation rate of 36.5%. Peer Comparison: Outperforms many community colleges in terms of affordability and ROI, but lags in graduation rates.

The Verdict: Is Fulton-Montgomery Community College Worth It?

Fulton-Montgomery Community College presents a compelling case for value, particularly for in-state students. With an in-state tuition of $6,198 and a median debt of $12,125, the financial burden is significantly lower than at many four-year institutions. The median earnings after 10 years stand at $39,535, which, while modest, represents a solid return on investment when considering the low entry cost. The debt payoff timeline is likely to be relatively short, potentially within 2-3 years for many graduates, assuming responsible financial management. Comparing the total cost of attendance (tuition, fees, living expenses) for two years to the potential earnings increase over a career, FMCC appears to be a good deal. The ROI score of 59 further supports this, indicating a favorable financial outcome. While the median earnings are not exceptionally high, the low cost of education and debt minimizes financial risk. For students seeking an affordable pathway to a credential, associate degree, or a stepping stone to a bachelor's degree, FMCC is a financially sound choice. It's a hidden gem for those prioritizing affordability and local career opportunities over prestige or high earning potential immediately after graduation.

Return on Investment

While the tuition is affordable, the lower graduation rate and higher student debt suggest that the degree may not be as valuable as at some other institutions.

Debt Reality Check

Median student debt at Fulton-Montgomery Community College: $12,125. Monthly payment on a standard 10-year plan: $138/month. Total repaid: $16,560 ($4,435 in interest).

Breakeven vs high school diploma: 1.3 years. Debt burden: Low. Salary needed for comfortable repayment: $16,560.

Strengths

  • Affordable tuition rates
  • Strong return on investment
  • Good earnings potential after graduation

Weaknesses

  • Lower graduation rate compared to some peers
  • Smaller student body size

Academic Profile

FMCC excels in providing accessible and career-focused education, with a strong emphasis on programs that lead directly to employment or transfer to four-year institutions. Notable departments include Business and Technology, which offers programs like Business Administration and Computer Information Systems, preparing students for the modern workforce. The Health Sciences division is another area of strength, with popular programs such as Nursing (RN) and Medical Assisting, addressing critical healthcare needs in the region. While specific research opportunities for undergraduates might be limited due to the community college model, faculty are dedicated to teaching and student success. Faculty quality is supported by a commitment to accessible instruction, though specific salary data isn't publicly available. The student-faculty ratio is likely favorable, allowing for personalized attention. FMCC offers an Honors Program for high-achieving students, providing enriched academic experiences and opportunities for advanced coursework. Study abroad programs are less common at the community college level, but transfer agreements with SUNY and other four-year colleges are robust, facilitating seamless transitions. Academic support is a cornerstone, with services like the Tutoring Center, Academic Advising, and Career Services providing crucial resources to help students navigate their academic journey and plan for their futures.

Financial Aid Guide for Fulton-Montgomery Community College

Pell Grant recipients: 27.4%. Students taking federal loans: 16.9%.

Navigating financial aid at Fulton-Montgomery Community College (FMCC) is designed to be straightforward, focusing on making education affordable. As a public institution, FMCC is committed to providing access to higher education, with a significant portion of its students relying on financial aid. Merit-based aid is less common here; the primary focus is on need-based aid, which includes federal grants like the Pell Grant, state grants (like the Tuition Assistance Program - TAP, if applicable for NY residents), and institutional aid. For students with an annual family income below $30,000, a typical aid package might cover a substantial portion of tuition and fees, potentially reaching $5,000-$6,000 in grants and scholarships annually, significantly reducing out-of-pocket costs. Students with higher incomes may still qualify for some state or federal aid, though the amounts will likely be smaller. Work-study opportunities are available, offering part-time jobs on campus for students who demonstrate financial need, providing valuable work experience alongside their studies. Scholarship opportunities exist through the FMCC Foundation, often targeting specific programs or student achievements, and are typically awarded in amounts ranging from $500 to $2,000. Negotiating financial aid is generally not a standard practice at community colleges like FMCC; aid packages are typically determined by established formulas based on financial need and available funding. It's crucial for prospective students to complete the FAFSA (Free Application for Federal Student Aid) by the recommended deadlines, typically in the spring, to maximize their eligibility for all types of aid.

Hidden Costs at Fulton-Montgomery Community College

  • Student Activity Fee: A mandatory fee of approximately $100 per semester supports student clubs, events, and campus programming.
  • Technology Fee: An annual fee of around $150 helps fund the college's computer labs, software, and online learning platforms.
  • Textbooks and Supplies: Depending on the program, textbook costs can range from $500 to $1,000 per academic year.
  • Transportation: For commuting students, fuel and vehicle maintenance can add $500 to $1,500 annually, depending on distance.
  • Parking Permit: An annual parking permit costs approximately $50 for students who drive to campus.
  • Health Insurance: While not always mandatory if students have coverage elsewhere, optional student health insurance plans can cost upwards of $1,500 per year.
  • Program-Specific Supplies: Certain programs, like those in Health Sciences or Technology, may require specialized kits or equipment costing $200-$500.

Alumni Outcomes & Career Paths

Fulton-Montgomery Community College (FMCC) graduates enter a diverse job market, with many finding opportunities within the Capital Region of New York. While specific major employer recruitment data for FMCC is not publicly detailed, community colleges in this region often see alumni placed in roles within healthcare, manufacturing, and public service. Industries where alumni tend to cluster include healthcare support (e.g., Certified Nursing Assistants, Medical Assistants), advanced manufacturing, and administrative services. For instance, local healthcare systems like St. Mary's Healthcare and Nathan Littauer Hospital are significant employers of healthcare graduates from the region. In manufacturing, companies such as Beech-Nut Nutrition and various smaller industrial firms in the Fulton County area often hire FMCC alumni for technical and operational roles. Public sector employment, including local government and school districts, also represents a common career path. Graduate school placement rates are not prominently published, but FMCC's transfer agreements with SUNY institutions like SUNY Albany and SUNY Oswego facilitate pathways for students seeking bachelor's degrees. Notable alumni are not widely publicized, which is typical for many community colleges. FMCC's Career Services department aims to support students through resume building, interview preparation, and job fairs, connecting them with local and regional employers. Internship pipelines are often developed through faculty connections and local business partnerships, providing practical experience in fields like business administration and technology. Geographic hiring patterns show a strong tendency for graduates to remain within a 50-mile radius of Johnstown, serving the immediate community and the broader Capital Region.

Campus Life & Culture at Fulton-Montgomery Community College

The student body at FMCC is primarily composed of local and regional students seeking accessible career training or a pathway to a bachelor's degree. The majority of students are commuters, contributing to a practical, goal-oriented campus culture. Students who thrive here are often self-motivated individuals looking for a supportive environment to build foundational skills and achieve their academic and career aspirations.

Fulton-Montgomery Community College (FMCC) offers a close-knit campus environment in Johnstown, NY, fostering a strong sense of community among its approximately 1,000 students. The college doesn't have traditional on-campus housing, meaning most students commute, creating a vibrant commuter culture. This often leads to a more focused academic experience during the day, with students engaging in activities and then heading home. The Student Activities office is the hub for campus life, organizing events, clubs, and trips designed to bring students together. Popular student organizations often reflect academic interests, such as the Criminal Justice Club or the STEM Club, alongside general interest groups. While Greek life is not a prominent feature at FMCC, the emphasis is on inclusive campus-wide events. Athletics are a significant part of the FMCC experience, with the Raiders competing in NJCAA Division III. Sports like basketball, baseball, softball, and soccer provide avenues for athletic students to connect and compete. The campus itself is modern and well-maintained, with common areas designed for student interaction and study. The 'vibe' at FMCC is often described as practical and supportive, geared towards students seeking a solid educational foundation and career preparation without the distractions of a large residential campus. The surrounding Johnstown area offers local amenities, and students often form study groups and social connections that extend beyond the classroom.

Campus Highlights

  • Career-Focused Programs: FMCC offers a wide array of programs designed for direct entry into the workforce or seamless transfer.
  • NJCAA Division III Athletics: The Raiders compete in various sports, fostering school spirit and providing athletic opportunities.
  • Student Support Services: Comprehensive academic advising, tutoring, and career services are readily available.
  • Honors Program: Opportunities for academically motivated students to engage in enriched learning experiences.
  • Community-Centric Environment: A close-knit atmosphere where students and faculty often form strong connections.
  • Affordable Tuition: Significantly lower in-state tuition makes higher education accessible.
  • Proximity to Adirondacks: Located near the foothills of the Adirondack Mountains, offering recreational opportunities.

Location & Regional Advantages

Fulton-Montgomery Community College's location in Johnstown, NY, offers a unique set of advantages and challenges for its students. The local job market is characterized by a mix of established industries and a growing need for skilled trades and healthcare professionals. Proximity to the Adirondack Park offers significant recreational opportunities, contributing to a high quality of life for those who appreciate outdoor activities like hiking, fishing, and skiing. The cost of living in Johnstown and surrounding Fulton County is notably lower than in major metropolitan areas, making it an attractive option for students seeking affordability. While Johnstown is not directly adjacent to a major industry hub, it benefits from its position within the broader Capital Region, which includes Albany, Schenectady, and Saratoga Springs. This proximity, roughly a 45-60 minute drive, provides access to a larger and more diverse job market, particularly in sectors like state government, technology, and healthcare. Major employers in the Albany area, such as the New York State government, GE Vernova, and various healthcare networks, can be accessible for graduates willing to commute or relocate. The region is generally considered safe, with a strong sense of community. Weather is typical of upstate New York, featuring four distinct seasons with cold, snowy winters and warm summers. This location fosters career opportunities primarily within the regional economy, with a strong emphasis on local needs and a secondary reach into the more robust job markets of Albany and the surrounding counties.

How to Get Into Fulton-Montgomery Community College

Gaining admission to Fulton-Montgomery Community College (FMCC) is generally accessible, as it's a public community college with an open-door policy for many programs. The admissions office primarily looks for a high school diploma or GED. While SAT/ACT scores are not required (N/A), strong academic performance in high school, reflected in your GPA, can be beneficial, especially for competitive programs or scholarships. The admissions process is largely based on meeting basic academic requirements and demonstrating a desire to learn. Essays are typically not a significant factor for general admission, but may be requested for specific scholarships or honors programs. Demonstrated interest isn't formally tracked, but attending an information session or visiting campus can show your commitment. The timeline is flexible; applying early in the year, ideally by spring for fall enrollment, ensures you have ample time to complete financial aid applications (FAFSA) and secure your spot, especially for programs with limited enrollment. For students seeking to transfer to a four-year institution later, focusing on maintaining a strong GPA at FMCC is key.

How Fulton-Montgomery Community College Compares to Similar Schools

Similar schools: Mohawk Valley Community College, Hudson Valley Community College, Onondaga Community College

Advantages

  • Lower cost of living in Johnstown compared to larger cities where some peers are located.
  • Stronger emphasis on local community needs and direct job placement within Fulton and Montgomery counties.
  • Potentially more personalized attention due to smaller student body size.

Disadvantages

  • Fewer direct transfer agreements with a wide range of four-year institutions compared to larger SUNY community colleges.
  • Limited on-campus housing options and fewer traditional student life amenities.
  • Smaller alumni network and less brand recognition outside the immediate region.

Best For

  • Students looking for a higher graduation rate might consider other institutions.
  • Prospective students interested in a more diverse student body may want to explore other options.

Avoid If

  • Students seeking a more expensive education experience may want to consider other institutions.
  • Prospective students who prioritize high graduation rates might find better options.

Frequently Asked Questions about Fulton-Montgomery Community College

How much does it cost to attend Fulton-Montgomery Community College?

In-state tuition at Fulton-Montgomery Community College is $6,198 per year, and out-of-state tuition is $6,798 per year. The median student debt at graduation is $12,125.

What is the graduation rate at Fulton-Montgomery Community College?

Fulton-Montgomery Community College has a graduation rate of 36.5%.

How much do Fulton-Montgomery Community College graduates earn?

The median earnings for Fulton-Montgomery Community College graduates 10 years after enrollment is $39,535. With median debt of $12,125, graduates earn roughly 3.3x their debt level annually.

How big is Fulton-Montgomery Community College?

Fulton-Montgomery Community College has approximately 1,001 students and is classified as a small institution. It is located in Johnstown, NY and is a Public institution.

Is Fulton-Montgomery Community College worth the cost?

Fulton-Montgomery Community College has an ROI score of 59 out of 100. With in-state tuition of $6,198 per year and median post-graduation earnings of $39,535, the return on investment is moderate.

Where is Fulton-Montgomery Community College located?

Fulton-Montgomery Community College is located in Johnstown, NY. It is a Public institution with approximately 1,001 students.

How much student debt do Fulton-Montgomery Community College graduates have?

The median student debt for Fulton-Montgomery Community College graduates is $12,125. With median earnings of $39,535 ten years after enrollment, graduates can expect a debt-to-income ratio of 31%.

Is Fulton-Montgomery Community College a good college?

Fulton-Montgomery Community College has a graduation rate of 36.5% and median post-graduation earnings of $39,535. High tuition affordability with an in-state rate of $6,198 and out-of-state rate of $6,798.

How does Fulton-Montgomery Community College compare to similar colleges?

Median student debt is relatively low at $12,125. Compared to peer institutions, Fulton-Montgomery Community College offers a better ROI and is more affordable, but has lower graduation rates.

What career prospects do Fulton-Montgomery Community College graduates have?

Graduates from Fulton-Montgomery Community College are well-positioned for careers in healthcare, business, and technology fields.

What should prospective students know about Fulton-Montgomery Community College?

Fulton-Montgomery Community College is well-suited for students seeking affordable higher education with a strong return on investment.

What makes Fulton-Montgomery Community College stand out?

Graduates earn a median salary of $39,535 after 10 years, indicating a good ROI.

What are the pros and cons of attending Fulton-Montgomery Community College?

The college has a diverse student body with a significant white population and smaller percentages of other ethnic groups.

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