by our College Data Analytics TeamThis guide covers the real cost of attending Concordia University-Saint Paul, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
Use the section links below to navigate this overview:
Published attendance costs at Concordia University-Saint Paul stands at about $34,495.00 per academic year.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $25,600.00 |
| + Room, board & other expenses | $8,895.00 |
| Total cost | $34,495.00 |
| That is 5% above the national average net price. |
| Total cost | $34,495.00 |
| − Grants and scholarships | −$18,777.00 |
| Net price | $15,718.00 |
| That is 52% below the national average net price. |
| Total cost | $34,495.00 |
| − Grants and scholarships | −$20,833.00 |
| Net price | $13,662.00 |
| That is 58% below the national average net price. | |
| Go deeper on the components with the tuition & fees page plus room and board. |
Costs have trended upward in recent years by around 2.3% per year, so the four-year total runs well above today’s cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $13,979.00 | $16,082.00 | $35,294.00 |
| Senior year | $14,973.00 | $17,226.00 | $37,805.00 |
| Total 4-year net price | $57,888.00 | $66,599.00 | $146,160.00 |
| 10-year loan interest @ 6.8% | $22,053.00 | $25,372.00 | $55,682.00 |
| Total monthly payment | $666.00 | $766.00 | $1,682.00 |
| Total amount paid | $79,941.00 | $91,971.00 | $201,842.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.3% | 2.3% | 2.3% |
| Freshman year | $13,979.00 | $16,082.00 | $35,294.00 |
| Senior year | $14,302.00 | $16,455.00 | $36,112.00 |
| Total 2-year net price | $28,281.00 | $32,537.00 | $71,406.00 |
| 10-year loan interest @ 6.8% | $10,774.00 | $12,395.00 | $27,203.00 |
| Total monthly payment | $325.00 | $374.00 | $822.00 |
| Total amount paid | $39,055.00 | $44,932.00 | $98,610.00 |
For the complete net-price picture, see the Net Price section.
Net price strips out grant and scholarship aid to show what families really pay. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $18,462.00 |
| Average net price (off-campus) | $17,566.00 |
The real cost varies by income because need-based aid scales with financial need. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $15,356.00 |
| $30,000 to $48,000 | $15,388.00 |
| $48,001 to $75,000 | $15,449.00 |
| $75,001 to $110,000 | $18,112.00 |
| Over $110,000 | $22,335.00 |
Get a tailored estimate from the Concordia University-Saint Paul Net Price Calculator, or reach out to the financial aid office.
Dig into how aid is awarded on the financial aid page.
The median graduating debt at Concordia University-Saint Paul works out to $12,166.00, which federal data classifies as a Low ($10-20k) burden category.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,684.00 |
| 25th | $6,965.00 |
| Median (50th) | $12,166.00 |
| 75th | $25,000.00 |
| 90th | $31,500.00 |
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 breakdown.
Family income tracks closely with debt at graduation. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,387.00 |
| Middle income | $12,269.00 |
| High income | $12,000.00 |
Low-income graduates carry $387.00 in extra median debt compared with high-income peers.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,228.00 |
| Continuing-generation students | $12,000.00 |
First-generation graduates of Concordia University-Saint Paul carry $228.00 more median debt than continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Pell vs non-Pell comparisons surface how debt breaks down by need.
The Pell-versus-non-Pell median debt difference at Concordia University-Saint Paul is $2,084.00. This institution is flagged by federal data for Pell-debt inequity.
The default-rate category at Concordia University-Saint Paul is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.1% |
To put the rates in context, Stafford loans at Concordia University-Saint Paul come to $363,432,759.00 over 17,863 recipients.
Veterans and active-duty service members may qualify for substantial federal education benefits like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 83 |
| Avg GI Bill amount | $11,606.00 |
| DoD Tuition Assistance recipients | 34 |
| Avg DoD Tuition Assistance | $3,022.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
The data above is a foundation; round it out by asking yourself about Concordia University-Saint Paul, keep these questions in mind:
Explore the related pages below for a deeper look at the cost picture:
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.