Most students at CUNY Bernard M. Baruch College in New York City graduate with little or no loan debt.
Leslie Barbaro
By Kim Clark
October 18, 2016

Although the average college student is borrowing more every year, dozens of colleges have such low tuition, or such generous financial aid, that most of their graduates leave school without a penny in student loan debt, according to a recent analysis by The Institute for College Access and Success (TICAS).

To help you find a college that won’t load you up with debt, here’s MONEY’s list of 20 high-value colleges that graduate students with the lowest overall debt loads.

To be considered for this list, schools had to meet MONEY’s minimum standards for quality, which include good graduation rates and stable finances. We believe that puts them in the top half of all four-year public and private colleges.

They also had to have a 2015 graduating class in which fewer than 50% of seniors had any student loan debt, according to TICAS data. And the debt loads for those who did borrow had to be below the average of all recent college graduates: $30,100.

The schools that made our top 20 had the best overall combination of no- and low-debt loads for seniors who graduated in 2015. Here they are, ranked by the overall average student loan debt (percentage of seniors with loans times the average size of debt for those who borrowed).

College MONEY overall Rank % of seniors with student loans* Avg. debt for those who borrowed*
1. College of the Ozarks 299 7% $5,339
2. CUNY Bernard M Baruch College 188 21% $5,511
3. CUNY Queens College 445 25% $5,204
4. Princeton University 1 16% $8,577
5. Yale University 12 17% $15,521
6. Cooper Union for the Advancement of Science and Art 8 22% $17,338
7. Amherst College 7 25% $15,756
8. Harvard University 3 24% $16,723
9. Haverford College 250 28% $14,750
10. Brigham Young University-Provo 5 27% $15,720
11. CUNY Brooklyn College 478 30% $15,235
12. Stanford University 10 22% $21,238
13. Vanderbilt University 27 22% $21,506
14. Pomona College 22 39% $13,381
15. Davidson College 46 27% $19,929
16. Claremont McKenna College 71 22% $25,462
17. Swarthmore College 100 33% $18,262
18. Wellesley College 34 49% $12,455
19. California State University-Fullerton 463 42% $14,965
20. Duke University 39 35% $19,104

*SOURCE: The Institute for College Access and Success

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