CollegeTuitionData — College Data in Plain English

Harding University

Searcy, AR 72149-5615 — Private Nonprofit

Value Score: 80/100 | ROI Score: -50 | Affordability Score: 75/100

Tuition (In-State): $26,262 | Out-of-State: $26,262

Acceptance Rate: 70.5% | Graduation Rate: 69.9% | Retention Rate: 86.4%

Median Earnings (10yr): $52,876 | Median Debt: $26,500

SAT Average: 1182 | ACT Midpoint: 24

Student Body Size: 3,382 (medium)

Pell Grant Recipients: 23.8% | Federal Loan Rate: 43.8%

Average Faculty Salary: $8,008/month

Tuition & Affordability Analysis

In-state tuition at Harding University is $26,262 per year, which is 33% below the national average for private institutions.

Out-of-state students pay $26,262/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.

Estimated four-year tuition cost: $105,048 (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 Harding University:

  • Families earning $0–$30,000: $15,418/year
  • Families earning $30,001–$48,000: $17,430/year
  • Families earning $48,001–$75,000: $19,832/year
  • Families earning $75,001–$110,000: $22,017/year
  • Families earning $110,000+: $26,284/year

Low-income families receive an average discount of $10,844/year, paying just 59% of the sticker price.

Admissions Snapshot

Harding University has an acceptance rate of 70.5%, placing it in the Less Selective (70–85%) category. This means roughly 1,199 students apply each year.

The average SAT score of admitted students is 1182, 12% above the national average. This is within the mid-range nationally.

The ACT midpoint is 24, 14% above the national average.

Graduate Outcomes & Return on Investment

69.9% of students at Harding University complete their degree, 13% above the national average. This is a solid graduation rate.

First-year retention rate: 86.4% (7% above the national average). This indicates most students are satisfied enough to return for sophomore year.

Graduates of Harding University earn a median salary of $52,876 ten years after enrollment, 29% above the national average. This represents a $17,876/year earnings premium over the average high school diploma holder, or $536,280 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $26,500, 23% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $288/month, with a total repayment of $34,560 (including $8,060 in interest).

Debt-to-Earnings Ratio: 0.50x. 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 Harding University pays for itself in approximately 6 years. This is a reasonable investment timeline.

Financial Aid Profile

23.8% of students at Harding University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 28% 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.

43.8% of students take federal loans, 7% below the national average. This is a moderate borrowing rate.

Average faculty salary: $8,008/month, 8% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Harding University enrolls 3,382 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 36/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 80%, Hispanic 5%, Black 5%, Asian 1%.

Harding University: Medium-Sized Private Nonprofit with Strong Graduation and Earnings Rates

Report Card: Overall Grade C-

Harding University receives an overall grade of C- based on six dimensions:

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

College Analysis

Harding University is a Private Nonprofit institution in Searcy, AR with approximately 3,382 students. Academics: Harding University has a strong graduation rate of 69.91%. Value: The university offers a relatively affordable tuition of $26,262 per year, making it a good value for students. Outcomes: Graduates earn a median salary of $52,876 ten years after graduation, indicating a good return on investment.

The Verdict: Is Harding University Worth It?

Harding University presents a complex value proposition. With an out-of-state tuition of $26,262 and a median 10-year earning potential of $52,876, the initial financial picture appears somewhat balanced. However, the median debt of $26,500 is a significant factor. A direct comparison of cost versus earnings suggests that it takes approximately 5-6 years of post-graduation earnings, assuming all income goes towards debt repayment and living expenses, to clear the median debt. The reported ROI score of -50 is a stark indicator that, based on typical earnings trajectories and debt loads, the financial return on investment is currently negative. This suggests that while Harding provides a valuable educational and personal experience, the immediate financial payoff may not be as robust as at other institutions. Graduates aiming for higher-paying fields or those who can secure significant scholarships or financial aid will likely see a better return. For students prioritizing a faith-based education and a strong sense of community, Harding might be a worthwhile investment, but for those solely focused on maximizing financial returns, it appears to be an overpriced option. A clear recommendation is difficult without knowing individual financial aid packages, but prospective students should be aware of the potential for a longer debt payoff period and consider this carefully against the non-financial benefits.

Return on Investment

While the degree from Harding University is worth the cost, the higher median debt upon graduation is a concern.

Debt Reality Check

Median student debt at Harding University: $26,500. Monthly payment on a standard 10-year plan: $301/month. Total repaid: $36,120 ($9,620 in interest).

Breakeven vs high school diploma: 1.2 years. Debt burden: Manageable. Salary needed for comfortable repayment: $36,120.

Strengths

  • Strong graduation and earnings rates
  • Affordable tuition for in-state and out-of-state students
  • Good career outcomes for graduates

Weaknesses

  • Higher median debt upon graduation
  • Predominantly white student body
  • Limited diversity in student demographics

Academic Profile

SAT Average: 1182. ACT Midpoint: 24. Retention Rate: 86.4%.

Harding University offers a robust academic experience with a strong emphasis on liberal arts and professional programs, all within a Christian worldview. Notable departments include the College of Business Administration, known for its practical approach and strong internship placements, and the College of Education, which consistently produces well-regarded teachers. The College of Pharmacy and the School of Physician Assistant Studies are highly competitive and sought-after programs, attracting students nationwide. Research opportunities are available, particularly for students in science and health-related fields, often involving faculty mentorship. While specific faculty salary data isn't readily available, Harding's commitment to a low student-faculty ratio (around 14:1) suggests a focus on personalized attention and accessible professors. The Honors College provides an enriched academic experience for high-achieving students, offering smaller class sizes and advanced coursework. Harding also boasts a strong study abroad program, with its own campuses in Florence, Italy, and Peru, offering unique immersive experiences. Academic support is readily available through tutoring services, writing centers, and dedicated academic advisors who work closely with students to ensure academic success.

Financial Aid Guide for Harding University

Pell Grant recipients: 23.8%. Students taking federal loans: 43.8%.

Harding University offers a comprehensive financial aid program designed to make its private education accessible. Merit-based scholarships are a significant component, awarded automatically based on academic achievement (GPA and ACT/SAT scores) at the time of admission. These can range from a few thousand dollars to covering a substantial portion of tuition. Need-based aid, determined by the FAFSA, is also available in the form of grants and institutional aid. For the 2023-2024 academic year, the average institutional aid awarded was approximately $15,000 per student, with many students receiving a combination of merit and need-based assistance. Federal Pell Grants are available for students demonstrating significant financial need. Work-study opportunities are also common, allowing students to earn money through on-campus jobs. Typical aid packages for students from families with an annual income between $40,000-$70,000 might include a mix of merit scholarships ($8,000-$12,000) and need-based institutional grants ($5,000-$10,000), along with federal aid. While Harding is generally not known for extensive aid negotiation, demonstrating a significant change in financial circumstances or presenting competing offers from similarly ranked institutions might warrant a conversation with the financial aid office. It's crucial to file the FAFSA early and explore departmental scholarships for specific majors.

Hidden Costs at Harding University

  • Room and board costs can add an estimated $10,000 - $13,000 per academic year, depending on the chosen meal plan and housing option.
  • Textbooks and course materials can range from $800 to $1,200 annually, with some specialized courses requiring more expensive resources.
  • Student activity fees, technology fees, and other miscellaneous campus fees can total around $500 - $800 per year.
  • Transportation costs, including travel to and from campus, personal vehicle expenses (if applicable), and local transit, can vary widely but budget at least $500 - $1,000 annually.
  • Personal expenses such as toiletries, laundry, entertainment, and snacks can easily add $1,500 - $2,500 per year.
  • Health insurance, if not covered by a parent's plan, can cost an additional $2,000 - $3,000 annually through the university's plan.
  • Parking permits for students with vehicles on campus can cost between $100 - $200 per academic year.

Alumni Outcomes & Career Paths

Harding University graduates enter a diverse job market, with many finding opportunities within Arkansas and surrounding states. While specific major employer recruitment data is not publicly detailed, common industries for alumni include education, healthcare, business, and ministry, reflecting the university's strong liberal arts and professional programs. For instance, graduates in education often find roles in local school districts like the Searcy School District or larger systems in Little Rock. Healthcare alumni may be recruited by major regional health systems such as Baptist Health or CHI St. Vincent. Business graduates might join companies like Walmart (headquartered nearby in Bentonville), or regional financial institutions. The university emphasizes a commitment to Christian service, which often leads alumni into roles within churches, non-profits, and mission organizations across the country and internationally. Graduate school placement rates are generally strong, particularly for programs like pre-med, pre-law, and education, with students matriculating into a variety of reputable graduate and professional programs. Notable alumni include individuals like Mike Huckabee, former Governor of Arkansas, and John Tyson, Chairman of Tyson Foods, indicating a broad reach across public service and corporate leadership. Harding's Career Services department aims to support students through resume building, interview preparation, and job fairs, connecting them with potential employers and internship opportunities. Internship pipelines are often facilitated through faculty connections and alumni networks, providing practical experience in fields relevant to their studies. Geographic hiring patterns show a significant concentration of alumni within Arkansas, but also a notable presence in Texas, Tennessee, and other Southern states, as well as in areas with strong Christian communities.

Campus Life & Culture at Harding University

Harding University draws a significant portion of its student body from Arkansas and surrounding Southern states, fostering a predominantly Christian and conservative student population. The university thrives with students who are seeking a close-knit community, a strong spiritual foundation, and a traditional college experience. Students who are engaged in campus life, value academic rigor within a faith-based framework, and are eager to contribute to a supportive community tend to be most successful here.

Harding University in Searcy, Arkansas, cultivates a vibrant campus community deeply rooted in its Christian heritage and a strong sense of fellowship. The 'vibe' is often described as friendly, engaged, and purpose-driven, with a noticeable emphasis on spiritual growth and community service. Social life revolves around a variety of student organizations, intramural sports, and campus events. While Harding doesn't have traditional Greek life, social clubs play a similar role, fostering close-knit groups and organizing popular events like the annual "Club Sing" competition, a highlight of the academic year. Housing is primarily on-campus, with a range of dormitories for freshmen and upperclassmen, often organized by gender and social club affiliation. Many students live in apartments off-campus as they progress through their studies. Dining services offer a central hub for students, with the main cafeteria providing daily meals and several other campus eateries offering grab-and-go options. Athletics are a significant part of campus life, with Harding's Bison teams competing in NCAA Division II, drawing enthusiastic crowds to games. The campus itself is known for its beautiful landscaping and traditional architecture, creating a picturesque setting for student life. Expect a community that values involvement, spiritual development, and strong peer relationships.

Campus Highlights

  • The iconic Harding University Arch, a central landmark and popular photo spot.
  • The annual "Kingdom Come" musical production, a student-led event showcasing musical talent and biblical themes.
  • The university's own study abroad campuses in Florence, Italy, and Peru, offering unparalleled international learning experiences.
  • A strong emphasis on spiritual life, with daily chapel services and numerous opportunities for discipleship and community service.
  • The beautiful, well-maintained campus with a traditional aesthetic, often praised for its scenic beauty.
  • The "Club Sing" competition, a highly anticipated event where social clubs showcase original songs and choreography.
  • A vibrant athletics program with dedicated fan support for the Harding Bison.

Location & Regional Advantages

Harding University's location in Searcy, Arkansas, offers a unique regional context for its graduates. Searcy itself is a small city with a modest local job market, primarily driven by education, healthcare, and some manufacturing. The cost of living in Searcy is significantly lower than the national average, making it an attractive place to live for recent graduates managing student debt. While Searcy isn't a major metropolitan hub, its proximity to Little Rock (about an hour's drive) provides access to a larger job market with more diverse opportunities in sectors like state government, healthcare, and finance. Furthermore, Harding's location in the Mid-South region places it within a few hours' drive of larger economic centers like Memphis, Tennessee, and Dallas, Texas, though these are not direct commuting distances. The quality of life in Searcy is characterized by a slower pace, a strong sense of community, and a focus on family-friendly activities. The weather is typical of the South, with hot, humid summers and mild winters. Safety is generally good in Searcy and the surrounding areas. For Harding graduates, the geographic advantage lies in the affordability of the region, allowing for potentially faster debt repayment, and the strong alumni network within Arkansas that can facilitate local job placement. However, the limited local industry diversity means that graduates seeking careers in highly specialized or rapidly growing sectors like technology or advanced manufacturing might need to relocate to larger hubs.

How to Get Into Harding University

Harding University employs a holistic review process, valuing academic achievement, personal character, and alignment with the university's Christian mission. While Harding does not offer Early Decision or Early Action, applying by the priority deadline (typically in December) is recommended to maximize scholarship consideration. The admissions office looks for students with a strong academic record; while specific GPA and test score ranges are not published, admitted students generally have a GPA above 3.0 and ACT scores in the mid-20s. Essays are an important component, offering a chance to showcase personality, values, and how you'll contribute to the Harding community. Focus on topics that reflect your faith journey, leadership experiences, or commitment to service. Demonstrated interest is considered, so engaging with the university through campus visits, virtual events, and communication with admissions counselors can be beneficial. For students with slightly lower academic profiles, a strong essay and letters of recommendation can help make a compelling case. The application typically opens in August for the following fall's admission.

How Harding University Compares to Similar Schools

Similar schools: Ouachita Baptist University, Southern Arkansas University, Arkansas Tech University, University of Central Arkansas

Advantages

  • Stronger emphasis on a Christian liberal arts education, appealing to a specific student demographic.
  • Smaller class sizes and a more intimate campus community compared to larger state universities.
  • Potentially more robust alumni network within Arkansas for local job placement.

Disadvantages

  • Lower median graduate earnings compared to some public university counterparts.
  • Limited geographic reach for job placement outside of Arkansas compared to larger institutions.
  • Higher sticker price for out-of-state students compared to in-state tuition at Arkansas public universities.

Best For

  • Prospective students interested in a diverse student body may want to consider other options.
  • Students seeking a lower debt load may want to explore more affordable institutions.
  • International students should consider the cost of living in Arkansas.

Avoid If

  • Students looking for a strong academic environment with a focus on graduation rates and career outcomes may want to avoid other institutions with lower graduation rates.
  • Students with a preference for a larger university with more diverse extracurricular activities may want to consider other options.

Frequently Asked Questions about Harding University

How much does it cost to attend Harding University?

In-state tuition at Harding University is $26,262 per year, and out-of-state tuition is $26,262 per year. The median student debt at graduation is $26,500.

What is the acceptance rate at Harding University?

Harding University has an acceptance rate of 70.5%.

What is the graduation rate at Harding University?

Harding University has a graduation rate of 69.9%.

How much do Harding University graduates earn?

The median earnings for Harding University graduates 10 years after enrollment is $52,876. With median debt of $26,500, graduates earn roughly 2.0x their debt level annually.

How big is Harding University?

Harding University has approximately 3,382 students and is classified as a medium institution. It is located in Searcy, AR and is a Private Nonprofit institution.

Is Harding University worth the cost?

Harding University has an ROI score of -50 out of 100. With in-state tuition of $26,262 per year and median post-graduation earnings of $52,876, the data suggests the return on investment may be below average.

Where is Harding University located?

Harding University is located in Searcy, AR. It is a Private Nonprofit institution with approximately 3,382 students.

How much student debt do Harding University graduates have?

The median student debt for Harding University graduates is $26,500. With median earnings of $52,876 ten years after enrollment, graduates can expect a debt-to-income ratio of 50%.

Is Harding University a good college?

Harding University has a graduation rate of 69.9% and median post-graduation earnings of $52,876. Graduation rate is above the national average for private universities.

How does Harding University compare to similar colleges?

Student body is predominantly white with a small percentage of Asian students. Compared to peer institutions, Harding University offers a strong academic and career outcome, but with higher debt upon graduation.

What career prospects do Harding University graduates have?

Graduates of Harding University are well-prepared for careers in various fields, particularly in Arkansas and the surrounding region.

What should prospective students know about Harding University?

Harding University is well-positioned in the mid-sized private university market, offering a balance of affordability and quality education.

What makes Harding University stand out?

Tuition is the same for in-state and out-of-state students.

What are the pros and cons of attending Harding University?

Median debt upon graduation is slightly above the national average.

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