Choosing the right degree program is about more than convenience — it’s also a major financial decision. From per-credit pricing and program fees to course structure and required materials, the total investment for your education can vary. Online programs like Boise State Online offer savings on housing, transportation and some on-campus fees, but it’s still important to look at the bigger picture and evaluate each program carefully to determine how these savings compare.
Beyond upfront costs, we’ll explore the return on investment of online degrees vs. traditional programs as well as potential outcomes and long-term value of earning your degree. By the end of this article, you’ll have the knowledge to answer the question, “Is online college cheaper than in-person?” and make a more informed choice that fits your educational needs.
Understanding the cost of online degrees vs. traditional programs
Comparing the cost of an online degree vs. a traditional program depends on many factors, such as cost per credit, additional program fees and course structures.
Tuition (per credit hour)
- Traditional: Tuition is typically charged per credit hour and may vary for in-state vs. out-of-state students.
- Online: Many online programs also charge per credit hour, but some may offer a flat or reduced rate for online students.
Boise State Online uses an alternative fee model that charges a set per-credit rate instead of standard tuition and fees, with no out-of-state tuition charges for non-residents or hidden fees. Per-credit fees are the same whether you’re attending full- or part-time, allowing you the flexibility of setting your own pace. That said, alternative fee programs often don’t include access to all campus-based services and may impact your eligibility for some scholarships, employee tuition waivers or other benefits — a tradeoff for the lowest per-credit prices possible.
Program fees
- Traditional: In-person students should expect to pay fees for labs, student activities, campus technology and occasionally insurance.
- Online: Online program costs are generally lower but may include fees for technology or platforms used and e-materials. You may also factor in your monthly internet fees.
Course structure
- Traditional: On-campus programs often have fixed semester schedules with set times for in-person classes, labs or sessions.
- Online: Online learning can be more flexible and self-paced or asynchronous, meaning it’s more possible to earn your degree while continuing to work full-time.
Misconceptions about the costs of online learning
The assumption that online degrees are automatically cheaper than traditional degrees isn’t always true, since some online programs may cost just as much.
A common misconception is that there are no extra costs associated with online learning. In reality, online programs may require proctored exams, specialized software or lab kits, all of which can add to your total cost.
Students also often think that books are cheaper online. While many programs provide e-books, some courses still require physical textbooks.
Finally, technology fees are sometimes underestimated. Some universities may charge per semester or per course for access to their online platforms, and these fees can add up, which is why Boise State Online offers cost transparency and information about financial aid and scholarships.
Cost-saving factors for online students
When attending college in person, you’re often responsible for direct and indirect costs:
Direct costs:
- Tuition and fees
- Food and housing (on-campus)
Indirect costs:
- Books and supplies
- Transportation (gas, parking, etc.)
- Food and housing (off-campus)
- Personal and miscellaneous
When attending college online, costs like housing and transportation are low to negligible, depending on your degree plan. Many online degree programs also allow for the transfer of prior credits or offer accelerated programming that allows you to complete your degree faster and pay less for your total investment.
The course structure of online learning creates a more flexible schedule, so you can continue to work full- or part-time while completing your degree.
And there are no out-of-state tuition fees or relocation costs to worry about.
ROI: What you’re paying for
When you enroll in any degree program, you want to ensure that your return on investment is worth it.
At Boise State Online, here’s what you’re paying for:
- Accredited curriculums: Online courses are designed to meet the same standards as their on-campus counterparts.
- Dedicated faculty and advising staff: Many on-campus faculty members and instructors also teach online programs. Boise State Online maintains a low student-to-advisor ratio to ensure you get the one-on-one support you need to accomplish your goals.
- Career support services: Many online programs have access to online career counseling and additional career services like resume building, networking opportunities and job boards.
- Flexible learning tools: On-demand video lectures, interactive learning modules and discussion boards help you learn at your own pace while engaging with expert instructors and peers in your field.
- Specializations: Many online degree programs have emphases, certifications, credentials and minors built into their degree plans to help you specialize in your desired skill areas. You may also complete practical projects and internships within your field of study.
Career outcomes after earning your degree online
Online degree programs can impact your career growth in the following ways:
Upfront costs vs. long-term value
- Upfront savings: The total investment of online programs is often less than in-person due to lower per-credit rates, no out-of-state-tuition and no additional costs for housing and transportation.
- Long-term value: The value of a degree comes from higher earning potential, career advancement possibilities, flexibility of career choices and job security.
The ROI of an online degree isn’t just about saving money upfront — it’s about the skills, career advancement and earning potential you gain over time. Online programs often allow students to work while studying, making them a practical choice for long-term financial and professional growth.
“Since I’ve been in the [online Bachelor of Business Administration in Management] program, I’ve been able to hit some of my three- and five-year goals,” current student Joe Johnson said.
Making a confident financial decision
If you’re asking, “Is online college cheaper?” The answer is generally “Yes — but it’s not that straightforward.” Online programs can help you save money on tuition, housing and commuting, but your total costs without factoring in financial aid will vary depending on the program, additional fees, materials and technology expenses.
Making a confident financial decision means understanding the full financial picture so you can avoid surprises and make choices that are better aligned with your budget and career goals. Financial Wellness services are available to help you create a repayment plan.
Ultimately, online learning can offer significant savings and flexibility, but the key to maximizing value is informed decision-making. Knowing what you’re paying for and comparing multiple programs empowers students to invest wisely in their education.
Learn more about Boise State Online
Boise State Online offers 100+ online programs and 900+ unique online courses to help you make your educational dreams a reality — and we’re here to support you every step of the way. Whether you’re exploring if an online program is right for you or need help transferring credits, connecting with a student success coach is the perfect first step.
Ready to learn more? Attend one of our online information sessions or contact a student success coach today.