by our College Data Analytics TeamThis guide covers the real cost of attending College of Saint Mary, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
If you want to dig into a particular figure, jump to any section below:
The cost of attendance at College of Saint Mary stands at about $33,989.00 for a single academic year.
The three scenarios below move from the full sticker price, to the net price after average aid, to the net price low-income students typically pay.
| Tuition and fees | $24,510.00 |
| + Room, board & other expenses | $9,479.00 |
| Total cost | $33,989.00 |
| That is 4% above the national average net price. |
| Total cost | $33,989.00 |
| − Grants and scholarships | −$19,381.00 |
| Net price | $14,608.00 |
| That is 55% below the national average net price. |
| Total cost | $33,989.00 |
| − Grants and scholarships | −$21,881.00 |
| Net price | $12,108.00 |
| That is 63% below the national average net price. | |
| Explore each piece on tuition and fees and room and board. |
Costs have trended upward in recent years at a recent average of 4.0% per year, so the four-year total runs well above today’s cost. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.0% | 4.0% | 4.0% |
| Freshman year | $12,591.00 | $15,190.00 | $35,344.00 |
| Senior year | $14,157.00 | $17,080.00 | $39,741.00 |
| Total 4-year net price | $53,455.00 | $64,492.00 | $150,056.00 |
| 10-year loan interest @ 6.8% | $20,364.00 | $24,569.00 | $57,166.00 |
| Total monthly payment | $615.00 | $742.00 | $1,727.00 |
| Total amount paid | $73,819.00 | $89,061.00 | $207,222.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.0% | 4.0% | 4.0% |
| Freshman year | $12,591.00 | $15,190.00 | $35,344.00 |
| Senior year | $13,093.00 | $15,796.00 | $36,753.00 |
| Total 2-year net price | $25,683.00 | $30,986.00 | $72,097.00 |
| 10-year loan interest @ 6.8% | $9,784.00 | $11,805.00 | $27,466.00 |
| Total monthly payment | $296.00 | $357.00 | $830.00 |
| Total amount paid | $35,468.00 | $42,791.00 | $99,563.00 |
For the complete net-price picture, see the Net Price section.
The net price figure shows the cost after grants and scholarships are deducted. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $16,590.00 |
| Average net price (off-campus) | $14,986.00 |
Net price varies sharply by family income, dropping as need-based aid grows. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $9,936.00 |
| $30,000 to $48,000 | $10,749.00 |
| $48,001 to $75,000 | $10,242.00 |
| $75,001 to $110,000 | $19,478.00 |
| Over $110,000 | $22,739.00 |
Get a tailored estimate from the College of Saint Mary Net Price Calculator, or contact the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
The typical debt load for borrowers leaving College of Saint Mary is $17,500.00, which the Department of Education classifies as a Low ($10-20k) burden tier.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $9,897.00 |
| Median (50th) | $17,500.00 |
| 75th | $31,875.00 |
| 90th | $41,750.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Read the complete debt breakdown on the student loan debt detail.
Median debt at graduation differs meaningfully across income brackets. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $17,500.00 |
| Middle income | $15,724.00 |
| High income | $19,000.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,828.00 |
| Continuing-generation students | $19,000.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The gap between Pell-eligible and non-Pell median debt at College of Saint Mary works out to $862.00. This school carries a federal Pell-debt-inequity flag.
The federal default-rate tier for College of Saint Mary is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.1% |
For scale, federal Stafford loan disbursements at College of Saint Mary reach $135,573,379.00 over 5,679 recipients.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 7 |
| Avg GI Bill amount | $10,532.00 |
Explore GI Bill and military aid in detail on the college veterans page.
The figures above are a starting point — as you weigh College of Saint Mary, think through the questions below:
Dig further into the cost picture with the related pages below:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.