Top 10 Cheapest Colleges in Massachusetts

Updated on 11/6/2025

Massachusetts is home to a wide range of affordable colleges for students seeking quality education at a lower cost. The state's community colleges and public universities provide strong academics, flexible scheduling, and generous financial aid options. 

Many of these affordable colleges in Massachusetts participate in programs like MASSGrant and Pell Grants, which reduce tuition for in-state residents. Below, you'll find 10 of the cheapest accredited colleges in Massachusetts, along with details about tuition, aid, and how you can make your degree more affordable.

How Much Will a College Degree Cost in Massachusetts?

The cost of earning a college degree in Massachusetts depends on the type of school you choose. Community colleges and public universities typically offer the lowest in-state tuition, with annual costs averaging between $8,000 and $14,000, according to the Massachusetts Department of Higher Education. Private colleges are generally more expensive but may provide substantial scholarships to help offset tuition.

Massachusetts residents can further reduce expenses through financial aid programs like MASSGrant, MASSGrant Plus, and federal Pell Grants. You can combine these resources to access affordable pathways to associate, bachelor's, and even graduate degrees while keeping debt manageable.

Top Cheap Colleges in Massachusetts

The following accredited institutions include the cheapest state college in Massachusetts, along with nearby options offering low tuition, transfer pathways, and flexible learning formats. Each school combines affordability with academic quality, making higher education accessible to a wide range of students.

1. Quinsigamond Community College

At this Worcester-based college, you can choose from more than 120 programs in healthcare, business, and information technology. Quinsigamond Community College (QCC) offers associate degrees, workforce certificates, and transfer pathways designed to help you reach your academic or career goals. Small class sizes and personalized academic support create a strong foundation for student success.

Flexible scheduling, including online and hybrid formats, makes it easier to balance school with work or family responsibilities. With some of the lowest tuition rates in the state, QCC is one of the most accessible and affordable options for Massachusetts residents.

• Estimated tuition cost: $227 per credit hour (in-state); $433 per credit hour (out-of-state)
• Financial aid: Federal and state aid, Foundation scholarships, and MassReconnect funding are available for eligible students.
• Accreditation: New England Commission of Higher Education (NECHE)

2. Massachusetts Bay Community College

Massachusetts Bay Community College offers associate degrees in fields like cybersecurity, biotechnology, business, and healthcare. Its three campuses in Wellesley Hills, Framingham, and Ashland provide convenient access for students across the Greater Boston area.

The college's affordable tuition and guaranteed transfer agreements with four-year universities make it an excellent place to start your degree. Students benefit from tutoring, advising, and financial counseling that help them stay on track academically and financially.

• Estimated tuition cost: $249 per credit hour (in-state); $455 per credit hour (out-of-state)
• Financial aid: Federal, state, and institutional aid programs are available, including merit scholarships and payment plans.
• Accreditation: NECHE

3. Bunker Hill Community College

Located in Boston, Bunker Hill Community College (BHCC) serves over 16,000 students across 100 academic programs, including business, computer science, and education. Its courses are designed to help you gain practical skills that can lead to immediate employment or prepare you for transfer to a four-year institution.

Online, hybrid, and weekend courses make BHCC a flexible choice for working adults. With affordable tuition and statewide transfer agreements, BHCC stands out as one of the cheapest ways to earn college credit toward a bachelor's degree.

• Estimated tuition cost: $252 per credit hour (in-state); $458 per credit hour (out-of-state)
• Financial aid: Federal and state aid, Foundation scholarships, and the MassReconnect program are available for qualifying students.
• Accreditation: NECHE

4. Middlesex Community College

Middlesex Community College (MCC) offers more than 80 programs across liberal arts, STEM, and healthcare fields. With campuses in Bedford and Lowell, MCC emphasizes career readiness through internships, transfer pathways, and partnerships with local employers.

The college's low tuition, online learning options, and flexible scheduling make it one of the cheapest degrees to get in Massachusetts. Dedicated student services such as advising and tutoring help you stay on track while balancing academics with other responsibilities.

• Estimated tuition cost: $257 per credit hour (in-state); $515 per credit hour (out-of-state)
• Financial aid: Federal and state aid, Foundation scholarships, and tuition waivers are available for eligible students.
• Accreditation: NECHE

5. Quincy College

Quincy College offers both associate and bachelor's degrees in business management, computer science, and nursing. The college's open admission policy and small class sizes make it ideal for first-time and returning students.

Tuition rates are among the lowest in the region, and programs are designed to prepare you for direct employment or seamless transfer to four-year schools. Students also benefit from hands-on learning and personalized academic support.

• Estimated tuition cost: $273 per credit hour (varies by degree)
• Financial aid: Federal and state aid, institutional scholarships, and veterans' benefits are available.
• Accreditation: NECHE

6. Massachusetts Maritime Academy

Massachusetts Maritime Academy (MMA) provides specialized training in marine engineering, emergency management, and energy systems. Students gain hands-on experience through labs, simulations, and cooperative education programs that prepare them for maritime and technical careers.

While most undergraduate programs are on campus, MMA also offers online graduate courses for working professionals. Its blend of practical education, leadership training, and low in-state tuition makes it an excellent value for students pursuing STEM-related careers.

• Estimated tuition cost: $299 per credit hour (in-state); $721 per credit hour (out-of-state)
• Financial aid: Federal and state aid, ROTC benefits, and institutional scholarships are available.
• Accreditation: NECHE

7. Urban College of Boston

Urban College of Boston (UCB) focuses on providing accessible education to diverse learners. Students can earn associate degrees and certificates in early childhood education, human services, and general studies, with classes offered in English, Spanish, Mandarin, and Creole.

Courses are available during the day, evening, and weekends, and many can be completed online. Affordable tuition, language accessibility, and flexible scheduling make UCB a strong option for working adults and first-generation college students.

• Estimated tuition cost: $317 per credit hour
• Financial aid: Federal and state aid, private scholarships, and institutional assistance are available.
• Accreditation: NECHE

8. Fitchburg State University

Fitchburg State University offers affordable undergraduate and graduate programs in education, business, and healthcare. Students can attend in person or complete degrees online through the university's continuing education division.

With accessible faculty, evening courses, and low tuition rates, Fitchburg State balances flexibility with academic rigor. The school's commitment to affordability makes it a top choice for both traditional students and working professionals.

• Estimated tuition cost: $327 per credit hour
• Financial aid: Federal and state aid, merit scholarships, and graduate assistantships are available.
• Accreditation: NECHE

9. Framingham State University

Framingham State University serves traditional and returning students with a range of programs in business, education, and the arts and sciences. Many courses are available through the Office of Continuing Education, allowing for evening, weekend, and online study.

Affordable tuition and transfer-friendly policies make FSU an excellent option for Massachusetts residents advancing their education. Personalized advising and strong academic support help students complete degrees efficiently while minimizing costs.

• Estimated tuition cost: $407 per credit hour (in-state); $610 per credit hour (out-of-state)
• Financial aid: Federal and state aid, institutional scholarships, and payment plans are available.
• Accreditation: NECHE

10. University of Massachusetts Boston

The University of Massachusetts Boston (UMass Boston) offers a wide range of undergraduate and graduate programs both on campus and online. Students can major in business, education, nursing, or liberal arts while accessing the resources of a leading public research university.

Although tuition is higher than at most community colleges, UMass Boston remains an affordable public option with strong academics and comprehensive financial aid. Its online programs through UMass Online make it accessible for students statewide.

• Estimated tuition cost: $527 per credit hour (in-state); $1,287 per credit hour (out-of-state)
• Financial aid: Federal and state aid, UMass scholarships, and tuition assistance programs are available.
• Accreditation: NECHE

How To Make College Affordable in Massachusetts

Massachusetts students can lower college expenses through state aid, federal grants, scholarships, and flexible online or transfer programs. Together, these resources often make higher education both affordable and sustainable for long-term success.

Apply for State Financial Aid Programs

Students can apply for financial aid through the Massachusetts Office of Student Financial Assistance (OSFA), which oversees programs like MASSGrant, MASSGrant Plus, and the John and Abigail Adams Scholarship. These initiatives help Massachusetts residents pay for tuition and fees at public colleges and universities. 

The state also offers targeted support for adult learners and part-time students returning to school. Completing the Free Application for Federal Student Aid (FAFSA) is the first and most important step in determining eligibility for these valuable programs.

Use Federal Financial Aid and Pell Grants

Filing the FAFSA opens the door to federal aid, including Pell Grants, Federal Direct Loans, and Work-Study opportunities that help cover educational expenses. Massachusetts colleges use this information to calculate both federal and institutional awards, often combining them with state-based grants for additional savings. 

Students who submit the FAFSA early in the year have a better chance of receiving full funding before deadlines. This application also helps determine eligibility for need-based scholarships and other campus financial assistance programs.

Consider Community Colleges and Transfer Pathways

Community colleges offer some of the lowest tuition rates in Massachusetts and serve as a practical starting point for earning a four-year degree. Through the MassTransfer program, students can begin at a community college and then transfer to a public university while keeping credits and saving money. 

Schools like Bunker Hill and Quinsigamond Community College make it easy to move into bachelor's programs at UMass or Bridgewater State. This option allows students to graduate with less debt and a smoother academic transition.

Take Advantage of Scholarships

Massachusetts students can reduce tuition costs by applying for scholarships through state and private programs. Options include the Christian A. Herter Memorial Scholarship, the Massachusetts Cash Grant Program, and awards offered by college foundations and alumni organizations. Some scholarships are based on academic performance, while others support financial need or community service. 

Applying for several opportunities each year increases your chances of earning multiple awards. You can use scholarships, federal aid, and state aid to minimize reliance on student loans.

Explore Online and Hybrid Degree Options

Many affordable Massachusetts colleges offer flexible online and hybrid degree programs that fit the needs of working adults and nontraditional students. Institutions like UMass Online, Fitchburg State University, and Framingham State University provide courses that offer academic rigor with affordability. 

Online learning allows students to save on commuting costs and balance coursework with job or family responsibilities. Whether pursuing an associate or bachelor's degree, these programs offer the same accredited education as on-campus options in a more convenient format.

FAQs About the Most Affordable Colleges in Massachusetts

Students frequently ask about tuition rates, scholarships, and online programs at the state's most affordable colleges. The answers below can help you plan your education and budget more effectively.

How Much Does the University of Massachusetts Cost?

In-state tuition at UMass Amherst, UMass Boston, and other campuses averages around $16,000 per year. Community college graduates transferring through the MassTransfer program may qualify for tuition discounts or partial waivers. These savings make the UMass system an affordable option for students pursuing four-year degrees within the state.

What Is the Cheapest College in Massachusetts?

The state's lowest-cost options include Quinsigamond Community College and Massachusetts Bay Community College, both offering strong academics and flexible learning. Each provides low tuition, online courses, and transfer agreements with four-year universities. Their combination of affordability and support makes them standout choices for cost-conscious students.

Do Massachusetts Colleges Offer In-State Tuition Discounts?

Yes, residents pay reduced tuition rates at public colleges and universities throughout Massachusetts. Students may also qualify for regional discounts through the New England Regional Student Program (RSP), which offers lower tuition for out-of-state programs within neighboring states. These options expand affordable degree choices across New England.

Do Cheap Colleges in Massachusetts Offer High-Quality Education?

Affordability and quality go hand in hand at many Massachusetts colleges. Schools such as Salem State University and Bridgewater State University maintain regional accreditation and strong academic outcomes. These institutions provide rigorous coursework and student support at tuition rates well below private school averages.

Can I Attend College in Massachusetts for Free?

Eligible Massachusetts residents may qualify for tuition-free education through programs like MassReconnect and MASSGrant Plus. These initiatives target adult learners, low-income students, and community college attendees. When combined with scholarships and federal aid, some students can complete degrees without paying out-of-pocket tuition.

Do Affordable Colleges in Massachusetts Offer Online Degrees?

Yes, many Massachusetts institutions offer affordable online learning options. UMass Lowell, Fitchburg State University, and Salem State University provide flexible degree programs designed for working professionals. These accredited online programs maintain the same quality standards as on-campus options while offering lower costs and greater convenience.

Find an Affordable College in Massachusetts

Explore accredited and affordable colleges on Learn.org that include low tuition, financial aid, and flexible learning options. With strong public programs, generous scholarships, and online study choices, Massachusetts offers accessible education pathways that fit every student's goals and budget.