In an Age of Constantly Rising Tuitions, This College Gives Full Scholarships to Every Student

Rising student debt represents a major barrier for college students and new graduates to start a lifetime of smart money management. There is one college, however, supporting all of its students financially while offering a quality education curriculum.  

First, the problem 
CNN Money reports that the average student loan debt of the Class of 2012 was $29,400. A survey from Fidelity suggests that college-related debt for students increased to over $35,000 for the Class of 2013; 71% of 2012 college graduates had student loan debt. "More than 600,000 federal student loan borrowers who entered repayment in 2010 defaulted on their loans by 2012," according to federal data as reported by the Project on Student Debt. 

In other words, after spending several years in college, students are typically saddled with debt that could potentially take decades to fully pay off. Not the strongest start to a life of Foolish financial independence.

Bloomberg reports that the price of college tuition increased 1,120% between 1978 and 2012, far outpacing price increases in medicine, housing, and food over the same period. As college tuition skyrockets, so does student loan debt. So non-Foolish. 

Enter Berea College
Berea College is probably not a name widely known by most people. This relatively small liberal arts school -- I am presently one of Berea's 1,600 students -- has been nestled in the foothills of central Kentucky since the 19th century. 

Berea College offers full tuition scholarships to every admitted student. These are full four-year tuition scholarships, valued at approximately $100,000, given to each student. Students pay a portion of room and board, as well as other semester-to-semester costs for items such as textbooks. These expenses over four years pale in comparison to the average student loan debt incurred by students across the U.S. Berea students on average graduate with $7,600 in student loans, a third of the average student loan debt in the U.S. Approximately 25% of Berea students graduate without a lick of debt. 

Berea, however, takes it one step further. The college only accepts students with "strong academic potential and financial need." Berea offers full scholarships to students with limited economic resources who otherwise would have few (if any) chances of pursuing higher education opportunities without incurring substantial debt. 

Unlike most colleges, the majority of Berea College's revenue is not generated through tuition. Rather, nearly 80% of the college's operating budget is covered through interest income from the endowment, with the remaining gap filled by annual gifts and federal and state education grants. This model, possible thanks to the accumulated donations of thousands of generous donors over decades, enables Berea to offer full four-year scholarships to every incoming student. 

Berea's model could be replicated by other colleges and universities over time, but requires a focus on saving (rather than immediately spending) the majority of funds donated to the institution. Berea's large endowment of over $1 billion places the college in the top 10% in endowment size of U.S. colleges and universities. "The school uses its considerable endowment to lower costs to students," observes Richard Vedder of The Chronicle of Higher Education, "not shower resources on the other major claimants of resources within the college community." 

A noble mission rooted in practicality 
Berea College was founded in 1855 by John G. Fee, an abolitionist minister. Berea was the first interracial and coeducational college established in the South; not only were black and white students educated together, men and women learned alongside one another as well. Before the Civil War. This, coupled with the college's long-standing commitment to the Appalachian region and lower-income students, helps Berea stand out in the world of higher education. 

Berea is one of only seven colleges in the U.S. classified as a "work college." Every student is required to work at least 10 hours per week in the college's nationally recognized labor program, which includes student positions with facilities management, groundskeeping, the wood shop, campus life, and a myriad of other labor positions. This structure enables students to gain practical skills while learning that "labor, mental and manual, has dignity as well as utility." 

And no, writing this article does not satisfy my labor requirement as student government president! I am writing this article because Berea deserves to be more widely known, especially in a time when student loan debt is crippling a majority of college graduates. 

Why Berea is so Foolish
It is often quipped in the Berea community that Berea offers the best education that money can't buy. Some might assume that because the college offers full tuition scholarships to every student, the quality of the education must be diminished compared to other institutions. Quite the opposite.

Not only does Berea offer a rich experience through its forward-thinking history of racial and gender acceptance, labor program, and full scholarships for students from lower-income families, the college consistently ranks among the top higher education institutions in the country. Best Value Schools ranks Berea #1 among all best value colleges in the U.S. Kiplinger includes Berea in the country's top 100 best value colleges, ranked in terms of academic quality and affordability, and ranks Berea as the top value in private colleges with average net costs under $20,000. Washington Monthly consistently ranks Berea in the top 5 liberal arts colleges in the U.S. 

Welcoming students from "all nations and climes," Berea typically admits international students from over 50 countries each year, with alumni from 72 countries. You will be hard-pressed to find a more "motley" college determined to enrich the lives of students without shackling them with debt. 

Foolish bottom line
Berea College may indeed be the best kept secret in the world of higher education. Berea offers an attainable -- and very affordable -- quality college experience for lower-income students. So long as the majority of college students fund their college degrees through extensive student loan debt -- digging themselves into a financial hole just as they reach early adulthood -- it will be an uphill battle to help the world manage money Foolishly. 

Berea, on the other hand, is an inherently Foolish institution offering affordable education to promising students who otherwise would not have the means to attend college. By helping students avoid student loan debt, Berea enables students to retain control of their financial lives. The world needs more purpose-driven, Foolish colleges like Berea College. 


Read/Post Comments (32) | Recommend This Article (107)

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  • Report this Comment On February 12, 2014, at 8:41 AM, thomas4211 wrote:

    Higher education should be available to anyone who qualifies in this country. The Universities make enough money on the books alone to offset the cost of a 4 year degree ! Its no woinder we are lagging behind other countries,most of which offer free higher education to deserving students who demonstrate the desire to LEARN !!!

  • Report this Comment On February 12, 2014, at 8:57 AM, yabadabado2 wrote:

    Antioch College in Ohio also gives full tuition to all students.

  • Report this Comment On February 12, 2014, at 12:47 PM, 45ACPbullseye wrote:

    A lovely article. Thanks for the info. Please keep writing and sharing about your experiences. Best, Bill

  • Report this Comment On February 12, 2014, at 4:38 PM, TMFSpiffyPop wrote:

    David, you da man. Thanks for sharing. --DG

  • Report this Comment On February 12, 2014, at 7:28 PM, Nikole333 wrote:

    I applied to Berea - twice. The first time I applied, I was not admitted because my parents made too much money. Anything over $24,000 a year equates to not being eligible to attend Berea. My father owns his own business and beforehand had a more stable job. So, the decrease in income permitted me to apply a second time. The second time I applied, I was denied without reason. Though I have a 4.0 (I am dead serious) in community college and work full time, completely supporting myself while also participating in community works projects.

    Not to be rude - but Berea College takes in more than just pride for the diversity. Their affirmative action policies allows them to get large sums of grant money to educate non-White students. Once the maximum of White students are admitted, they do not admit any one beyond that who is Caucasian. Even if the test scores and grades are better than non-White students. Merit means very little in this school.

    Furthermore, their reputation is greatly inflated. They are not really the #1 Liberal Arts College, though on the surface it seems to be. They are actually tied with Saint Mary's College in Indiana, at #76. They are a great college for minority students who have excelled. But, the college has become upsettingly less desirable for me, as I am now being prospected by colleges such as its same-rank Saint Mary's and Saint Mary's sister schools the University of Notre Dame and University of Portland. Should I get scholarships with my acceptance letters, I will be thanking Berea for rejecting me!

    Hands-on opportunity at Berea College is minute. There is little opportunity for applicable foreign studies and internships. The system is constricted, with fewer majors than the typical Liberal Arts school. So, for the buck it's worth and undergrad degree - but do not be surprised if you are not admitted even though are an outstanding student. Their ability to keep things affordable comes at a price, and it is opportunity for the nation's dying majority that is lost.

  • Report this Comment On February 12, 2014, at 8:26 PM, TMFPencils wrote:

    Nikole333,

    Sorry to hear your applications to Berea didn't go as you anticipated. The application process is understandably selective, and the College's applicants are primarily concentrated to the Appalachian region (I am one of the "minority" students accepted from California).

    "Their affirmative action policies allows them to get large sums of grant money to educate non-White students."

    This is simply untrue. As I mentioned in the article, the VAST majority of the College's budget is covered through endowment interest. Federal and state grants make up a small portion of the College's operating budget, and it is absurd to suggest the College's focus on diversity is merely for financial advantage. In the early 20th century, the Kentucky legislature (with the Day Law) actually prohibited Berea from educating blacks and whites in the same location. Berea took this to the Supreme Court, which sided with Kentucky until the law was overturned in 1954. It has hardly been convenient (financially or otherwise) for the College to pursue its radical vision of impartial love (regardless of race, gender, or creed) since 1855.

    "They are not really the #1 Liberal Arts College, though on the surface it seems to be. They are actually tied with Saint Mary's College in Indiana, at #76."

    Washington Monthly has rated Berea the top liberal arts college -- or within the top 5 -- in the country numerous times. Berea is ranked differently in other studies, as are other schools.

    "Hands-on opportunity at Berea College is minute."

    I don't know where you get this idea. The labor program is one of the most hands-on programs you will come across in a liberal arts setting. Every student is required to take at least one "active learning experience" as a perspective course. I can point to many other examples where hands-on activities thrive and are the focal point of the Berea experience.

    "There is little opportunity for applicable foreign studies and internships."

    Quite the contrary. The College has a budget to largely (or completely) fund both student internships through the Center for Transformative Learning and study abroad opportunities through the Center for International Education. This level of financial support for internships and study abroad opportunities is unheard of at many other institutions.

    Of course, I am not suggesting Berea is the only quality or purpose-driven college in the country. There are many fine schools, some of which you applied to.

    Good luck on your college applications, and Fool on!

    Best,

    David K

  • Report this Comment On February 13, 2014, at 8:49 AM, Hambone45 wrote:

    Nicole333 wasn't admitted, so she's a victim of reverse discrimination and money grubbing on the part of a school that apparently charges no tuition, has a rich tradition of fighting discrimination in all of its forms, and solely educates qualified, low-income students on its own dime? Astonishing.

  • Report this Comment On February 13, 2014, at 3:14 PM, jenagles wrote:

    Discrimination is discrimination - there is no such thing as "reverse" discrimination. You shouldn't "sour grapes" the effort just because you did not make it in. Sadly Nikole333 appears as though she believes she is "entitled" to attend - perhaps her sense of entitlement needs to be reevaluated.

    This college sounds amazing and it is awesome to hear about their program. I imagine they have to be very selective and discerning with who they let in. What is important here is that they are providing higher education to people for free. FREE! It boggles my mind to think that there are so many underprivileged people who might never have had this opportunity but for this college.

    I have two students entering college next year and will suggest to them that they apply here - it would be awesome to see them become a part of such a diversified and eclectic group of students and faculty.

  • Report this Comment On February 13, 2014, at 7:26 PM, RLLH wrote:

    For those of us beyond college age, Berea is still a great bargain. The article fails to mention the student made furniture and craft items for sale there. The food (student made ) is outstanding. They have a great hotel (student run). Anyone who passes by and fails to spend a day or two in Berea is missing out on a great, truly unique experience.

  • Report this Comment On February 13, 2014, at 10:30 PM, armysis08 wrote:

    College of the Ozarks is also a work study school, but unlike Berea, students are allowed to have cars on campus, and they admit 10% of the student body that doesn't meet the financial requirement. I looked into Berea, but College of the Ozarks is truly free, no loans at all, pay for room and board by summer work program and this year can stay in dorms during the summer for off campus jobs and not charged a penny.

  • Report this Comment On February 13, 2014, at 11:00 PM, busseja wrote:

    Not to demean the college but seriously "best value college ranks them one of the top schools for the money in the nation." ?????????? Even a Yugo would be a good value for free. Well maybe not but you get the idea.

  • Report this Comment On February 14, 2014, at 12:36 AM, Dawn wrote:

    Thank you for the information, Nikole. So that's how Berea can afford to educate all of their students for free, while this nation's poor white students continue to drown in debt. Plenty of the school's donors have probably been white, yet the school discriminates against white kids, and I wonder how many of the donors knew their money would be spent attempting to educate the entire world? Well, everyone except white Americans. Where's the Japanese University that will give me, a white Americans, a free education, paid for by grants from the Japanese? How many of those students fail to return to their own countries afterwards?

    Nikole, your post allows this school's donors to rethink the matter. When I discovered the National Organization for Women was bent on helping all women except white American women, I was baffled as to why the word "National" is in their organization's name, but you can bet I quit donating. They'll promote all other women at my expense, so they certainly don't need my money to do it. Too bad I'm probably funding Berea with my taxes, against my will. No wonder so many people ultimately resort to tax fraud, simply to avoid being forced to fund their own demise.

    Also, why is a Kentucky school doing such a favor for a Californian, when California schools are so bigoted against non-Californians? California Universities openly admit they accept lower GPAs and test scores from California applicants. No other state university in this country is so bigoted against non-residents. Non-residents simply have to pay higher tuition, because they didn't pay state taxes, but they don't have to actually be smarter than applicants from the school's state to gain acceptance. An illegal immigrant, living in California, is accepted to a California University with lower test scores, lower GPA, and owes less tuition than a legal American citizen from Oregon or any other American state. Why would a Kentucky school repay this discrimination with free tuition for a Californian?

  • Report this Comment On February 14, 2014, at 5:19 PM, WHOVPLLC wrote:

    It has always been my personal belief that if a student needs to borrow funds to attend a four-year college they should wait to start attendance until they have the funds to proceed to that first degree.

    Seven years of undergraduate education and several year of graduate education from 1962-1976 culmination in an MS degree Finance & Economics. all accomplished with no student loans.

    WHOVPLLC

  • Report this Comment On February 14, 2014, at 6:00 PM, LaLoba wrote:

    The college only accepts students with "strong academic potential and financial need."

    - I think that statement should clear any confusion here.

    Furthermore, "An illegal immigrant, living in California, is accepted to a California University with lower test scores, lower GPA, and owes less tuition than a legal American citizen from Oregon or any other American state. "

    Not only is this statement, a FALLACY, but also undermines the intelligence of individuals who work hard, excellent performers and deserve to take a step further away from poverty and discrimination.

    Foolishly I state these FACTS:

    *The underprivileged group that most school tend to focus on most definitely not benefit from 200 + years of unpaid free labor.

    *Jim Crow laws, instituted in the late 19th and early 20th century and not overturned in many states until the 1960s, reserved the best jobs, neighborhoods, schools and hospitals for ummm... yeah not the underprivileged group.

    So the underprivileged group has a few century's worth of catching up to. And I'm not event going to delve into COMPOUNDED/ING accumulated effect of preferential treatment towards a certain group in this country.

    And want to know the real fact? Studies have already shown that affirmative action helps whites more than non-whites today. BAAM!

    I would suggest a great read: When Affirmative Action Was White: An Untold History of Racial Inequality in Twentieth-Century America by Ira Katznelson

    I just wish Berea College did more outreach so more students knew about this wonderful program. Thank you David for sharing this with us.

    - La Loba

  • Report this Comment On February 14, 2014, at 6:32 PM, BelegdeBoterham wrote:

    Look outside the US

    You're welcome in the Netherlsnds (EU) :)

    Cheap and good education!

  • Report this Comment On February 15, 2014, at 12:33 AM, chris293 wrote:

    Maybe this college is not a run of the mill school for idiots, but in superstition and socialism of our modern educational system, it is no wonder we lack the many countries. In many areas from life spans, business innovations, and our educational achievements, we are lucks if we are in the top fifty nations worldwide. If everyone wants a paycheck from the government, haven't we lost the true spirit of individualism. There is no competitive spirit if we all end up the same. I do feel that the military draft was more democratic than what a "professional armed service" brings to the United States of America.

  • Report this Comment On February 15, 2014, at 11:09 AM, XXF wrote:

    I went to a private university on the backs of academic scholarship, work-study, and loans (read: no need-based grants) and graduated with about $33,000 in student loans in January of 2012. I took in excess of the "recommended" number of courses each semester and took a couple of semesters off to work full time. I was in school for 8 semesters and earned both my undergraduate and a related Masters degree. I had job offers lined up in my field upon graduation, took one, and 23 months after graduation made my last student loan payment.

    When people talk about loan being the problem they excuse inexcusable behavior and nothing more. Student loans enabled me to get to where I am today and the leveraged investment I made into my education has paid off exponentially. The abundance of student loan debt isn't the real issue, it's the scapegoat issue. The real issue is an absolute dearth of personal responsibility in society today.

  • Report this Comment On February 15, 2014, at 4:42 PM, slndr wrote:

    Neither my wife nor I attended Berea, but we have given donations to the school and have remembered it our wills (unlike the prestigious Ivy League schools we went to.)

    Berea is what a college should be.

  • Report this Comment On February 16, 2014, at 10:54 AM, Burns316 wrote:

    They must not do a very good job of educating you. Kentucky is not the south. Bunch of damn yankees.

  • Report this Comment On February 16, 2014, at 12:16 PM, hotpepperaddict wrote:

    When I graduated college in 1993. not only did I have $30,000 of debt, it was at 8% / 10% interest. 8% for the first 4 years of repayment and then 10% for the remainder of the pay off period. I could have gone to a state school for a lot less money, but chose private, liberal arts because I just liked the school better. I worked 30+ hours a week as well because I was already maxing my student loans and had very little additional aid.

    It took me a little over 11 years to pay off my student loans. I spent (cumulative) a couple years in forbearance and reduced payments because my human services job paid a measly $8 an hour. I had room mates until I was 35 and now work in construction so I can afford to live on my own. I bought a house, have a couple of pets, pay off my credit card every month, own 3 cars which I paid cash for and have no other debt except for my mortgage.

    I do not begrudge any of this. I CHOSE to go to college and CHOSE to max my student loans. I CHOSE to work in poorly paying human services field and loved my work with delinquent youth.

    I think there could be a little more emphasis on educating our youth in the financial arena so they are more informed consumers. But as XXF said, "The real issue is an absolute dearth of personal responsibility in society today." I think it is high time we (as a society) re-evaluate our priorities and stop looking to the government to fix all our problems.

    Mark

  • Report this Comment On February 16, 2014, at 12:19 PM, Whamo wrote:

    Sour grapes? My niece missed being a National Merit Scholar, twice, by one point on some test. I don't know why my sister didn't have her take a prep course. That cost them a lot of tuition money.

  • Report this Comment On February 16, 2014, at 7:53 PM, stevegillon wrote:

    The service academies also offer tuition free education, plus pay their students a salary, in exchange for a military commitment after graduation. My son spent 5 years at University of Alaska, and with some scholarships and his savings from summer work, graduated debt free. As a retired educator with 5 degrees (positive cash flow through four of them) I absolutely know that nobody NEEDS to borrow money to get a quality education. Borrowing is considered the norm, and it is the easiest way to finance education, but by far the most expensive. If people, particularly high school students and their parents were foolish, they would all be able to find debt free financing for a quality education.

  • Report this Comment On February 20, 2014, at 5:39 PM, MikeinDenver wrote:

    @Burns316 How is Kentucky not in the south?

  • Report this Comment On February 21, 2014, at 1:20 PM, ColRet wrote:

    Compare the benefits of your candidate college with the costs and academics at the US Air Force Academy, West Point or Annapolis. They pay you to go there.

  • Report this Comment On February 21, 2014, at 3:21 PM, eyelighter1 wrote:

    It's nice to hear of what different colleges and options exist. There are just more options out there than we realize sometimes. (takes some digging). My father went to a cheap, local JC for a couple years, then transferred most credits and graduated with little debt, and went on to get a PhD at an inexpensive place.

    Service academies are competitive and tough, but offer a lot of breadth and other experiences. There is also a tri-service medical school in Bethesda, MD.

    BYU is an option for those wanting a great private university education, people from all over the country and world, and service opportunities instead of frat house stories. :) I think it is the largest undergrad private U. in the country. Anyway, tution under $10K a year, many work and scholarship opportunities, and only about 20% with debt, average I read in the $6K range. [probably because they have kids :) ]

  • Report this Comment On February 21, 2014, at 3:40 PM, rpfromrc wrote:

    I spent 15 min or so reviewing data from various online sources, and it is clear to me the claims of reverse discrimination aren't based on competent analysis of published data. It is highly doubtful they are based on inside information from the Berea admissions process. Given that about 2/3 of applicants are not offered admission, nobody can reasonably claim reverse discrimination on a single case basis.

    I suspect the complainers are disturbed by the data indicating the African-American population at Berea is significantly higher as a fraction than it is in Berea's target geographical area, or the US population as a whole. Berea's target family income bracket is at the bottom, and the black and Hispanic population fractions in that bracket are significantly higher than for the white population or the population as a whole. Asian Americans are severely under-represented relative to national demographics, but not necessarily relative to Berea's target population.

    Males are significantly under-represented. I can only speculate why.

    Note: I have had no relation with Berea College. I did check it out during my daughter's college search process, but she wasn't interested in a liberal arts college.

    As for the US military academies, they are a tremendously good deal financially. The 5 year duty requirement adds to that, as it is pretty much an employment guarantee at salaries that exceed those in the private sector for most graduates, based on their majors.

    However, almost all academy graduates are severely brain-washed*, and in some important levels of development are broken down to the elementary school level. Most never recover.

    They also are extremely wrongly educated in mission critical subjects such as US military history, law, and ethics. That is why, in war after war, the primary casualties of US wars are civilians, even though it is totally contrary to US law (including the Geneva Conventions) and their religious upbringing.

    *While they deny this, please note brainwashing is not like The Manchurian Candidate or Telefon depict. The Stockholm syndrome is a true example.

  • Report this Comment On February 21, 2014, at 4:18 PM, Fracguy wrote:

    Webb Institute in NY also charges no tuition.

    It is a Naval Architecture/Marine Engineering school.

    When my son graduated from high school on 1999 went to a program recognizing all the scholarships the seniors had won. By far the largest was for a kid going to the Air Force Academy - $500,000 value at that time. Your tax dollars at work.

  • Report this Comment On February 21, 2014, at 6:00 PM, rapid72 wrote:

    I find the work requirement wonderful. Holds down costs, builds community and tends to reduce cost-drivers like vandalism and neglect. I proposed this at the private liberal arts college where I graduated in 1972 and the idea evaporated faster faster than spit in the Sahara.

    BTW: Kentucky was not a slave state and did not join the Confederacy, so by most definitions is not Southern, though to a Yankee like me, it certainly seems to qualify.

  • Report this Comment On February 21, 2014, at 7:43 PM, whyaduck1128 wrote:

    rapid72--Kentucky was a slave state. Along with three other slave states, Missouri, Delaware, and Maryland, it did not secede from the Union. This enables Kentuckians to play it both ways--They're Southern when it suits them, Yankee when it suits them. As a long-time Ohioan, I can tell you that they ARE Southern in language, attitude, religion, and politics, but not Southern in that they worship basketball far more than football.

    A true Berea story--One of the daughters of good friends of mine (yes, the father is from a minority group and their daughters look like that minority) applied to, was accepted at, attended, and DROPPED OUT of Berea. She said she was bored. Her parents are still ticked off about it.

  • Report this Comment On February 22, 2014, at 10:53 AM, toffeeapple wrote:

    @MikeinDenver

    Because Kentucky is a border state with all the ambiguity that involves.

  • Report this Comment On February 22, 2014, at 11:03 AM, toffeeapple wrote:

    @rapid 72

    Kentucky was not only a slave state, but as a border state was not bound by Lincoln's emancipation proclamation and slavery remained legal there (and in 1 other state; I forget which) until the ratification of the 13th Amendment in December 1865.

  • Report this Comment On February 22, 2014, at 1:34 PM, CaptRonK wrote:

    Comparing US military academies with these other net low-tuition schools is misleading at best. There is no needs-based consideration and all admitted must pass high entrance standards. As for charges of "brainwashing", we can all hope that the standards of duty, honor, country and service are well imbued. These schools are for lifetimes of service - not the five year obligated service.

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