Guide to the Cheapest Private and Public Online Colleges for 2025

by Imed Bouchrika, Phd

Co-Founder and Chief Data Scientist

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While it’s true that a good college education will cost money, that investment should not come at the expense of the student’s financial stability. However, many students from low- and middle-income families are forced to rely on student loans to finance their education. Students leave school owing an average of $29,000, which may take a decade or more to repay.

The cost of financing a higher education has increased dramatically during the last decade. In tandem, the cost of living and other expenses like higher education rise every year. Students are looking for less expensive university education alternatives, especially in light of the potential for a global pandemic to further exacerbate their financial predicament.

The current state of public health has led academic institutions to transition to offering online degrees, which typically cost less than attending on-campus programs. But depending on the type of college or university, the degree level, and the program, the cost of online education can still fall on the exorbitant side. In this article, we will share with you some of the necessary information on the cheapest online university and colleges available to help you in your selection process.

Cheapest Online Colleges Table of Contents

1. Is an online college as good as a traditional college?
2. What to Expect from an Online College
3. Most Affordable Online Colleges
4. Factors That Affect the Cost of Online Colleges
5. How do I get into an online college?
6. How can online education offer a competitive return on investment?
7. How can I verify the accreditation and quality assurance of an online college?
8. Can online certifications boost your career prospects?
9. What are the benefits of choosing a nonprofit vs. for-profit online college?
10. Is a fast track online degree program a viable shortcut to career advancement?
11. Are accelerated online degree programs ideal for working adults?
12. Can supplemental short courses provide a competitive edge alongside an online degree?
13. Are online degrees equally recognized by employers?

10 Cheapest Online College Programs for 2025

Attending college requires significant financial investments that not all students can afford. That said, some programs may be more accessible due to various reasons, including popularity, current demand, and accessibility. Our research team has compiled a list of the cheapest online college programs available today. Here are some of them:

1. Psychology

A degree in psychology explores the human mind and behavior, encompassing courses in cognitive, developmental, and abnormal psychology. Common coursework includes research methods, statistics, and practical applications. Graduates often pursue diverse career paths, such as counseling, human resources, or research. With the growing demand for mental health professionals, online psychology programs have become affordable investments due to increasing job opportunities. It serves as a foundation for advanced studies or entry-level positions in various fields, contributing to a versatile and in-demand skill set in today’s job market.

2. Computer Science

A degree in computer science delves into the study of algorithms, programming languages, and computational theory. Common coursework includes data structures, software development, and computer architecture. Graduates often pursue diverse career paths such as software development, cybersecurity, or artificial intelligence. The degree proves affordable as technological advancements drive a growing demand for skilled professionals. With industries relying heavily on technology, a computer science degree offers lucrative job prospects, making it a cost-effective investment. The evolving nature of technology ensures continuous relevance and job opportunities, enhancing the affordability of a bachelor’s degree in computer science.

3. Finance

A finance degree focuses on financial management, markets, and investment strategies. Common coursework includes financial analysis, accounting, and risk management. Graduates often pursue careers in banking, investment, or corporate finance. The degree’s affordability is underscored by current trends, notably the rise of fintech. As financial technology reshapes the industry, there’s an increasing demand for finance professionals with digital skills. This trend not only enhances job prospects but also makes a finance degree cost-effective, aligning with the evolving needs of the financial sector and providing graduates with sought-after expertise in the growing fintech landscape.

4. Business Administration

A business administration degree covers diverse aspects of management, marketing, and finance. Common coursework includes organizational behavior, strategic planning, and financial analysis. Graduates often pursue careers in management, marketing, or entrepreneurship. The degree’s affordability is attributed to its versatility and alignment with current trends. In an era where business skills are valued across industries, a business administration degree offers a cost-effective investment. Its popularity stems from providing a broad skill set, making graduates adaptable to various roles, thus increasing the degree’s overall value in a dynamic and competitive job market.

5. Accounting

A degree in accounting focuses on financial reporting, taxation, and auditing. Common coursework includes financial accounting, cost accounting, and taxation principles. Graduates often pursue careers as accountants, auditors, or financial analysts. The affordability of an accounting degree is reinforced by its alignment with current trends. The increasing complexity of financial regulations and the growing demand for transparency in business operations amplify the need for skilled accountants. As businesses expand globally, the demand for accounting professionals remains robust, making an accounting degree not only a cost-effective investment but also one that secures the future of graduates.

6. Economics

A degree in economics explores the production, distribution, and consumption of goods and services. Common coursework includes microeconomics, macroeconomics, and statistical analysis. Graduates often pursue careers in finance, consulting, or policy analysis. The affordability of an economics degree is bolstered by its adaptability to the apparent trends within different markets. In an era of data-driven decision-making, the demand for economists skilled in quantitative analysis is on the rise. This aligns with the degree’s emphasis on statistical methods, making it a cost-effective choice as businesses and governments increasingly rely on economic insights for strategic planning, policy formulation, and market analysis.

7. Healthcare Administration

A healthcare administration degree focuses on the management and organization of healthcare systems. Common coursework includes healthcare finance, policy, and strategic planning. Graduates often pursue careers as healthcare administrators, managers, or executives. The degree’s affordability is underscored by the increasing demand for efficient and well-managed healthcare services. Amidst events like global health crises, there is a growing emphasis on healthcare infrastructure and management, enhancing the value of a healthcare administration degree. As the need for skilled professionals in healthcare management rises, pursuing this degree promises job opportunities in an evolving and critical sector.

8. Nursing

A nursing degree focuses on healthcare provision, patient care, and medical knowledge. Common coursework includes anatomy, pharmacology, and clinical training. Graduates typically become registered nurses (RNs) or pursue specialized areas like pediatric or critical care nursing. Affordability is highlighted by efforts to address the nursing shortage, with increased funding and scholarships available. As the demand for nurses escalates, institutions are incentivized to make nursing education more accessible. This makes a nursing degree a cost-effective choice, aligning with ongoing initiatives to bolster the healthcare workforce and ensuring a steady supply of qualified professionals to meet the growing healthcare demands.

9. Logistics

A logistics degree focuses on the efficient planning, implementation, and control of the movement of goods and services. Common coursework includes supply chain management, transportation, and inventory control. Graduates often pursue careers in logistics management, distribution, or procurement. The affordability of a logistics degree is evident in current trends like the rise of e-commerce and global trade. As businesses increasingly prioritize streamlined supply chains, the demand for skilled logisticians grows. With logistics playing a crucial role in the modern economy, a degree in this field ensures graduates are well-positioned for diverse and lucrative career paths.

10. Marketing

A marketing degree centers on the principles of promoting and selling products or services. Common coursework includes consumer behavior, digital marketing, and market research. Graduates often pursue careers in advertising, brand management, or market analysis. Affordability is underscored by current trends, particularly the shift to digital marketing. With businesses increasingly relying on online platforms, the demand for professionals versed in digital strategies is rising. This aligns with the comprehensive skill set acquired through a marketing degree, making it a great but affordable choice for students entering a field where adaptability to evolving technologies and consumer behaviors is crucial for success.

Popular Online Degree Programs for 2025

The cost of online private and public universities and colleges may differ based on several factors, one of which can include the degree programs available. That said, there are degrees that are widely available, and our research team has created this list to provide examples of the most common degrees to pursue. Here are your options:

1. Secondary Education

A bachelor’s degree in secondary education prepares individuals to become middle or high school teachers. The curriculum covers educational theory, teaching methods, subject-specific content, and classroom management. Common projects include student teaching practicum, curriculum development, and educational technology integration. Graduates can pursue careers as secondary school teachers, curriculum developers, and educational consultants. The degree emphasizes practical teaching experience, ensuring graduates are well-prepared for the challenges of teaching in secondary school settings.

2. Marketing

A marketing degree offers a comprehensive understanding of marketing principles and strategies. Real-world projects and internships integrated into the program ensure practical experience in executing marketing strategies. Common projects include developing marketing campaigns, conducting market research, and implementing digital marketing initiatives. Graduates can pursue careers as marketing coordinators, digital marketing specialists, market research analysts, brand managers, and advertising account executives. The degree equips graduates with versatile skills applicable in various industries.

3. Health Psychology

An undergraduate degree in health psychology explores the relationship between psychological factors and health. Common projects include designing health behavior interventions, stress management programs, and creating patient education materials. Graduates can pursue careers as health educators, wellness program coordinators, patient advocates, health communication specialists, and community health workers. The degree equips individuals to address the psychological aspects of health and well-being in diverse settings, including healthcare institutions, communities, and workplaces.

4. Exercise and Sports Science

A bachelor’s degree in exercise and sports science focuses on human movement, physical activity, and the physiological aspects of exercise. Common projects include designing personalized exercise programs, biomechanical analysis, fitness testing, and sports nutrition plans. Graduates can pursue careers as exercise physiologists, strength and conditioning specialists, sports nutritionists, and biomechanics analysts. The degree prepares individuals for diverse roles promoting physical well-being, athletic performance, and overall health.

5. Public Health

A nursing degree in public health integrates nursing expertise with a focus on community health and disease prevention. Common projects include community health assessments, public health campaigns, epidemiological research, and policy advocacy. Graduates can pursue careers as public health nurses, community health educators, administrators, epidemiologists, and health policy analysts. This degree equips nurses to address public health challenges, promote preventive care, and advocate for health equity in diverse communities.

Is an online college as good as a traditional college?

Online learning has been subjected to a lot of skepticism due to the questions about its effectiveness as a form of distance education. But with the rapid developments in technology, online learning has evolved to become a credible format of postsecondary education, from online coding classes to four-year degree programs. In a study called “The Effectiveness of Online Learning: Beyond No Significant Difference and Future Horizons," published in MERLOT Journal of Online Learning and Teaching, author Tuan Nguyen states: “There are a large number of studies that find positive statistically significant effects for student learning outcomes in the online or hybrid format compared to the traditional face-to-face format. Some of the positive learning outcomes are improved learning as measured by test scores, student engagement with the class material, improved perception of learning and of the online format, a stronger sense of community among students, and reduction in withdrawal failure."

Even before the COVID-19 outbreak forced colleges and universities to transition to the online setup, online programs have been offered by two-year and four-year institutions across the United States. According to a survey by the National Center of Education Statistics, 62% of postsecondary institutions offer online undergraduate courses. Meanwhile, 52% offer graduate or first-professional degrees.

Among these, public two-year and four-year institutions have the highest percentage of colleges and universities that have online courses—96% and 86%, respectively (N.C.E.S., 2008). On the other hand, only 48% of private nonprofit and 52% of private for-profit institutions had online courses offered, with nonprofits often offering the most inexpensive online colleges that confer online degrees. By the time of the pandemic, the majority of colleges and universities, regardless of institutional type, have options for online classes for all degree levels. The quality of online education has always been the main point of comparison against the traditional format. While face-to-face classes are often perceived to be more effective, it appears that students, especially those who are and have already gone to college, have a different preference.

A study by Wiley Education Services looks into the perspective of college students who have experienced both face-to-face and online formats of learning. According to the report, 41% agreed that they had a better experience learning online. Furthermore, 38% responded that they did not find any difference in their learning experience in either online or traditional format. Meanwhile, only 15% of respondents stated that their experience with face-to-face classes was still much better. Moreover, the majority of respondents who have already completed their degrees agreed that their online education was worth the cost.

What to Expect from an Online College

One of the most challenging parts of taking online degree courses from the best online universities is adjusting to this type of format. For students who have not yet experienced attending online classes, part of the preparation is setting their expectations by knowing the differences between online and traditional colleges, and the technology they need to attend and complete online degree programs. Below are some of the things a student can expect from an online college.

1. Hardware requirements

The online class uses software applications that may not be compatible with older computers or low-end systems. Some academic institutions have their tech requirements listed on their website to help their students get the right device, software applications, and other peripherals needed for an online class. It is also important to have a backup device, such as a smartphone or a tablet. According to a study, 40% of undergraduate students use their handheld devices to access and complete course-related activities (Magdana et al., 2020, p. 33). Additionally, some programs may require minimum specifications for your machines. For instance, online data science programs may require computer specifications that can handle relevant programs or projects.

2. Using L.M.S. 

Learning management systems, or LMS are tools used in distance learning in both academic and professional settings. These are software applications that help colleges, professors, and students get into the different aspects of the online learning process, from managing and distributing course materials and assignments, documenting attendance and class participation to conducting exams, and recording grades among others. Different online colleges use different LMS applications; furthermore, there are times when professors are free to choose the LMS software they prefer, so make sure to confirm which application you need to familiarize yourself with and have on your computer.

3. Online interaction

Unless you are enrolled in a hybrid program where you have the opportunity to interact with your classmates and professor face to face, all forms of interaction will be done virtually. Fortunately, there is a broad range of communication tools with features that fit an online class setup. The type of application used, however, typically depends on what the institution requires or what the instructor prefers to use.

Most Affordable Online Colleges

A recent study reveals that cost is the main factor students consider when choosing an online postsecondary institution. Affordability, however, is not the only factor that should influence your decision. When it comes to choosing low cost online colleges to get your online college, the reputation of the institution must also be taken into consideration. After all, a school’s reputation is relevant to the quality of education it offers, as well as how your online degree will be viewed by future employers.

To help you find the cheapest bachelor degree online programs from reputable universities or colleges that may suit your college plans and budget, below is a list of cheap accredited online colleges and universities.

Factors That Affect the Cost of Online Colleges

The staggering cost of postsecondary education has pushed students to look for more affordable options. According to EducationData, the average cost of college education in the United States has tripled in the last 20 years and is projected to continuously grow annually at 6.8%. It has now reached the point where a bachelor’s degree can cost a student more than $400,000, including loss of income and student loan interest (Hanson, 2021).

One big advantage online colleges have over their brick-and-mortar counterparts is that attending online programs generally costs less. For one, students no longer have to spend any money on transportation just to attend classes and pay for campus fees unless they are enrolled in a hybrid program. Online colleges, however, have their own price structure for the cost of their online programs as often explained in online guide to colleges or universities that offer distance learning or online programs. And while the pricing varies across colleges as shown in various online college cost comparison articles, below are some of the factors that may affect the total cost of online college programs.

1. Type of institution

Public academic institutions offer cheap online education in general. As for private online universities and colleges, private nonprofits are the more affordable private colleges as they are generally funded not only by the government but also by donations from various organizations. Private nonprofit institutions also utilize students’ tuition fees to cover operational costs, which is why even some of the cheapest private colleges have tuition fees higher than public colleges but lower than private for-profit, which is typically owned by a corporation or private organizations.

2. Student’s residency

The difference in the cost of tuition for in-state and out-of-state students still applies to online programs. But in case the college you chose to enroll in is outside of the state you reside in, you no longer have to spend money on moving and finding a new place to live unless the program requires you to attend on-campus activities.

3. Technology fees

How do I get into an online college?

Another major advantage of attending an online college is the convenience it offers not only in terms of attending classes but also in getting into one. Unlike enrolling in traditional campus programs, most, if not all of the requirements in online colleges, are submitted online. For example, students pursuing a music degree can submit or do their audition pieces virtually instead of going to the campus.

Admission requirements vary depending on the program, degree level, and other college-specific requirements. Below are some of the requirements you may have to prepare to get into an online college according to degree level.

Undergraduate degrees

• Completed application form
• High school diploma or G.E.D. certificate
• Transcript
• At least 2.0 G.P.A. (Some institutions may require at least 3.0 for their competitive programs.)
• A.C.T. or S.A.T. scores

Graduate degrees

• Proof of undergraduate degree
• Professional resume
• Personal statement
• Recommendation letters
• Language proficiency test
• Graduate Record Examinations (G.R.E.)

How can online education offer a competitive return on investment?

Evaluating an online degree’s return on investment requires a detailed analysis of program costs relative to projected career earnings and industry demand. Prospective students should compare tuition expenses with salary potentials and growth trends specific to their field. Reviewing data on income outcomes—such as that found through the best degrees to make money report—can offer valuable insight into which programs are more likely to yield favorable financial returns. Metrics such as job market trends, career advancement opportunities, and potential for skill development also play a pivotal role in determining whether an online education aligns with long-term financial and professional objectives.

How can I verify the accreditation and quality assurance of an online college?

To ensure an online institution meets rigorous academic standards, prospective students should research recognized accreditation bodies and cross-reference the institution’s credentials using official databases such as the U.S. Department of Education and the Council for Higher Education Accreditation (CHEA). Verify that both the overall institution and specific programs hold the appropriate regional or national accreditation, and review third‐party evaluations to gauge quality. Additionally, assess faculty qualifications, curriculum design, and student support services to ascertain that the academic environment meets industry best practices. For those exploring accelerated doctoral paths, consider getting one year PhD programs that adhere to strict accreditation and quality standards.

Can online certifications boost your career prospects?

Online certifications offer specialized training that complements an online degree by addressing specific industry skills and emerging technologies. These credentials can enhance a candidate’s profile, providing tangible evidence of expertise that employers value. They help bridge the gap between theoretical knowledge and practical application, making graduates more competitive in the job market. For additional career advancement strategies, explore our article on online certifications for jobs.

What are the benefits of choosing a nonprofit vs. for-profit online college?

When selecting an online college, it’s crucial to understand the differences between nonprofit and for-profit institutions, as these can impact affordability, educational quality, and post-graduation outcomes. Here’s a breakdown of the key benefits associated with each type:

Nonprofit Online Colleges

• Lower Tuition Costs: Nonprofits often offer more affordable tuition, as they reinvest revenue back into educational resources and student services.
• Greater Access to Financial Aid: These institutions typically provide a wider range of financial aid options, including scholarships, grants, and work-study programs, making education more affordable.
• Higher Educational Standards: Accredited nonprofit institutions generally emphasize quality education over profit, providing a rigorous curriculum and experienced faculty.
• Stronger Alumni Networks: Nonprofits often cultivate robust alumni networks, offering graduates greater networking opportunities, career support, and mentorship.

For-Profit Online Colleges:

• Flexible Admission Requirements: Many for-profit institutions have open enrollment policies, making them accessible to a wider range of students, including non-traditional and adult learners.
• Career-Oriented Programs: For-profits frequently design programs focused on in-demand skills, appealing to students looking for specific job-related training.
• Accelerated Degrees: Some for-profit colleges offer fast-track programs that allow students to complete degrees more quickly, which can be advantageous for those with immediate career goals.

Reshaping the Academic Environment Through Online Education

When it comes to the topic of online education, the question “Are online colleges good?" always comes up. Despite the skepticism directed at the online format of education, the number of academic institutions offering the best online degrees has grown significantly over the last 10 years, as well as the number of best value online colleges. According to an Inside Higher Ed article by Christopher Haynes, it is now time to turn the stigma surrounding online learning. According to Haynes, the criticisms about the effectiveness of online learning are “rooted in the fear of disruption." But with the unprecedented events in 2020 that halted all on-campus classes, online education has instead proven just the opposite as it plays the key role in the continuity of education in the midst of a deadly pandemic.

Is a fast track online degree program a viable shortcut to career advancement?

Fast track online degree programs present a strategic option for individuals seeking to expedite their educational journey while aiming for prompt career progression. These programs require a disciplined approach given their condensed curriculum and heightened pace and may necessitate comprehensive planning to balance intensive coursework with professional responsibilities. Investigating program support mechanisms, scrutinizing faculty expertise, and confirming robust accreditation are critical steps to ensure that accelerated learning does not compromise academic rigor or professional credibility. Additionally, evaluating supplemental resources can further enhance the overall experience, as demonstrated by insights from our guide to fast degrees.

Are accelerated online degree programs ideal for working adults?

Accelerated online degree programs offer a condensed curriculum designed for professionals balancing work and study. These programs enable faster completion times, which can lead to earlier career advancement and reduced cumulative tuition costs. Students benefit from flexible course schedules and intensive study formats that maximize learning efficiency without compromising academic rigor. Evaluating program prerequisites and ensuring institutional support for adult learners are essential steps in choosing an accelerated path. For more detailed information on program structure and enrollment criteria, visit accelerated degree programs for working adults.

Can supplemental short courses provide a competitive edge alongside an online degree?

Integrating targeted, skills-based training with an online degree can elevate career readiness by bridging the gap between academic theory and industry demands. These focused programs offer practical applications that directly align with high-demand roles, addressing emerging sector needs. Such strategic learning modules, including areas like digital analytics, project management, or technical proficiencies, are designed to enhance an individual’s professional profile. Moreover, evaluating and selecting relevant supplemental coursework ensures that graduates remain competitive in a dynamic job market, combining the foundational benefits of an online degree with agile, career-advancing expertise. For professionals looking to quickly upskill, consider exploring short courses that pay well to complement your core education.

Are online degrees equally recognized by employers?

Evaluating an online degree’s value extends beyond its academic rigor—employer recognition plays a crucial role. Employers tend to value credentials from accredited institutions known for robust curriculum design and career-centric initiatives. Researching alumni outcomes and reviewing sector-specific trends can provide insights into the market acceptance of online degrees. Furthermore, comparing program details such as cost efficiency, practical projects, and industry partnerships can guide prospective students in making a strategic educational investment. For instance, exploring options at universities with the most affordable online associate's degrees can help identify programs that combine affordability with respected accreditation and strong job market performance.

Key Insights

• Rising Education Costs: The cost of higher education has increased significantly over the past decade, making it difficult for students from low- and middle-income families to afford without relying on substantial student loans.
• Student Loan Debt: On average, students graduate with approximately $29,000 in student loan debt, which can take a decade or more to repay.
• Impact of Online Education: The COVID-19 pandemic has accelerated the adoption of online education, which generally costs less than traditional on-campus programs.
• Affordability of Online Programs: While online degrees are often less expensive, costs can still vary significantly depending on the type of institution, degree level, and specific program.
• Popular and Affordable Degrees: Degrees in fields like psychology, computer science, finance, business administration, and healthcare administration are among the most affordable and in-demand online programs.
• Technological Requirements: Students need to ensure their computers and software meet the technical requirements of their online programs, and having backup devices is advisable.

FAQ

Is an online college as good as a traditional college?

Online colleges can be just as effective as traditional colleges. Studies have shown that student learning outcomes in online or hybrid formats can be comparable to those in traditional face-to-face formats, with some students even preferring online learning.

What are the typical costs associated with online colleges?

The costs of online colleges vary based on factors such as the type of institution (public, private nonprofit, or private for-profit), the student's residency status, and additional technology fees. Public institutions generally offer more affordable tuition rates, especially for in-state students.

How do I choose the best online college program for me?

Consider factors like accreditation, program reputation, faculty expertise, student support services, and total costs. Research specific programs to ensure they align with your career goals and budget.

What are some of the cheapest online college programs?

Some of the most affordable online college programs are in fields like psychology, computer science, finance, business administration, accounting, economics, healthcare administration, nursing, logistics, and marketing.

What hardware and software requirements are necessary for online education?

Students need a reliable computer that meets the technical specifications of their online program, access to necessary software applications, and a backup device like a smartphone or tablet. Additionally, familiarity with learning management systems (LMS) is crucial.

Are there differences in tuition costs for in-state and out-of-state students in online programs?

Yes, many online programs still differentiate tuition costs based on the student's residency status. In-state students typically pay lower tuition rates compared to out-of-state students.

What is the admission process for online colleges?

The admission process for online colleges generally involves submitting an application form, high school diploma or GED certificate, transcripts, standardized test scores (for undergraduate programs), and additional documents like a resume, personal statement, recommendation letters, and language proficiency test scores for graduate programs.

How has the perception of online education changed in recent years?

The perception of online education has improved significantly, especially due to the COVID-19 pandemic, which highlighted its effectiveness in ensuring educational continuity. Many students and institutions now view online education as a credible and flexible alternative to traditional formats.

Can online degrees help reduce student loan debt?

Online degrees can help reduce student loan debt by offering more affordable tuition rates and eliminating costs associated with commuting and on-campus living. However, careful financial planning is still necessary to avoid excessive debt.

What are some strategies to manage the cost of online education?

Strategies to manage the cost of online education include applying for scholarships and financial aid, choosing public or nonprofit institutions, attending part-time while working, and selecting programs that offer a good return on investment in terms of career opportunities and salary potential.

References:

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