by our College Data Analytics TeamHere is what you can expect to pay at Grace College and Theological Seminary, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
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The cost of attendance at Grace College and Theological Seminary is about $40,539.00 a year.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $31,200.00 |
| + Room, board & other expenses | $9,339.00 |
| Total cost | $40,539.00 |
| That is 24% above the national average net price. |
| Total cost | $40,539.00 |
| − Grants and scholarships | −$21,906.00 |
| Net price | $18,633.00 |
| That is 43% below the national average net price. |
| Total cost | $40,539.00 |
| − Grants and scholarships | −$30,840.00 |
| Net price | $9,699.00 |
| That is 70% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees and living costs. |
Published costs have climbed year over year at about 3.4% 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. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $10,028.00 | $19,265.00 | $41,915.00 |
| Senior year | $11,084.00 | $21,294.00 | $46,329.00 |
| Total 4-year net price | $42,201.00 | $81,074.00 | $176,389.00 |
| 10-year loan interest @ 6.8% | $16,077.00 | $30,886.00 | $67,198.00 |
| Total monthly payment | $486.00 | $933.00 | $2,030.00 |
| Total amount paid | $58,279.00 | $111,960.00 | $243,587.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.4% | 3.4% | 3.4% |
| Freshman year | $10,028.00 | $19,265.00 | $41,915.00 |
| Senior year | $10,369.00 | $19,919.00 | $43,337.00 |
| Total 2-year net price | $20,397.00 | $39,185.00 | $85,252.00 |
| 10-year loan interest @ 6.8% | $7,770.00 | $14,928.00 | $32,478.00 |
| Total monthly payment | $235.00 | $451.00 | $981.00 |
| Total amount paid | $28,167.00 | $54,113.00 | $117,730.00 |
For the complete net-price picture, see the net-price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $19,932.00 |
| Average net price (off-campus) | $18,406.00 |
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 | $6,409.00 |
| $30,000 to $48,000 | $10,952.00 |
| $48,001 to $75,000 | $15,080.00 |
| $75,001 to $110,000 | $22,537.00 |
| Over $110,000 | $26,101.00 |
Get a tailored estimate from the Grace College and Theological Seminary Net Price Calculator, or check with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
The median graduating debt at Grace College and Theological Seminary comes to $16,750.00, which federal data classifies as a Low ($10-20k) debt-burden bucket.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,021.00 |
| 25th | $9,000.00 |
| Median (50th) | $16,750.00 |
| 75th | $25,994.00 |
| 90th | $31,900.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Explore borrowing, repayment, and default in detail on the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $16,750.00 |
| Middle income | $16,000.00 |
| High income | $16,750.00 |
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,750.00 |
| Continuing-generation students | $16,500.00 |
First-generation graduates from Grace College and Theological Seminary hold $250.00 more median debt than continuing-generation peers.
Pell Grants are the largest source of federal need-based aid for undergrads. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The median debt gap between Pell and non-Pell graduates of Grace College and Theological Seminary amounts to $1,773.00. This school carries a federal Pell-debt-inequity flag.
The default-rate category at Grace College and Theological Seminary is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 2.3% |
For a sense of scale, Stafford disbursements at Grace College and Theological Seminary reach $98,605,912.00 distributed across 5,416 student borrowers.
The data above is a foundation; round it out by asking yourself about Grace College and Theological Seminary, the questions below are worth your time:
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.