by our College Data Analytics TeamBelow is the data on what it actually costs to attend Saint Joseph’s University - Lancaster, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
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Published attendance costs at Saint Joseph’s University - Lancaster comes to about $41,566.00 a year.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $32,933.00 |
| + Room, board & other expenses | $8,633.00 |
| Total cost | $41,566.00 |
| That is 27% above the national average net price. |
| Total cost | $41,566.00 |
| − Grants and scholarships | −$5,401.00 |
| Net price | $36,165.00 |
| That is 10% above the national average net price. |
| Total cost | $41,566.00 |
| − Grants and scholarships | −$10,347.00 |
| Net price | $31,219.00 |
| That is 5% below the national average net price. | |
| For the full breakdown, see tuition and fees plus room and board. |
The reported cost series has been increasing by around 3.2% per year, so the four-year total runs well above today’s cost. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.2% | 3.2% | 3.2% |
| Freshman year | $32,233.00 | $37,340.00 | $42,916.00 |
| Senior year | $35,477.00 | $41,097.00 | $47,235.00 |
| Total 4-year net price | $135,350.00 | $156,793.00 | $180,209.00 |
| 10-year loan interest @ 6.8% | $51,563.00 | $59,733.00 | $68,653.00 |
| Total monthly payment | $1,558.00 | $1,804.00 | $2,074.00 |
| Total amount paid | $186,913.00 | $216,526.00 | $248,863.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.2% | 3.2% | 3.2% |
| Freshman year | $32,233.00 | $37,340.00 | $42,916.00 |
| Senior year | $33,280.00 | $38,552.00 | $44,310.00 |
| Total 2-year net price | $65,513.00 | $75,892.00 | $87,226.00 |
| 10-year loan interest @ 6.8% | $24,958.00 | $28,912.00 | $33,230.00 |
| Total monthly payment | $754.00 | $873.00 | $1,004.00 |
| Total amount paid | $90,471.00 | $104,804.00 | $120,456.00 |
Read more in the net-price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $42,478.00 |
| Average net price (off-campus) | $37,208.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $32,405.00 |
| $30,000 to $48,000 | $33,271.00 |
| $48,001 to $75,000 | $34,912.00 |
| $75,001 to $110,000 | $39,909.00 |
| Over $110,000 | $41,566.00 |
Run your own numbers with the Saint Joseph’s University - Lancaster Net Price Calculator, or visit the financial aid office.
Dig into how aid is awarded on the financial aid page.
Median graduate debt at Saint Joseph’s University - Lancaster comes to $13,352.00, categorized as a Low ($10-20k) burden category.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,985.00 |
| 25th | $7,005.00 |
| Median (50th) | $13,352.00 |
| 75th | $21,610.00 |
| 90th | $30,500.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
For the full borrowing and repayment picture, see the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,749.00 |
| Middle income | $13,000.00 |
| High income | $12,000.00 |
Borrowers from lower-income families leave school with $3,749.00 more than graduates from high-income families.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,000.00 |
| Continuing-generation students | $14,250.00 |
Pell Grants are the largest source of federal need-based aid for undergrads. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt gap between Pell and non-Pell graduates of Saint Joseph’s University - Lancaster stands at $2,875.00. This school carries a federal Pell-debt-inequity flag.
The default-rate category at Saint Joseph’s University - Lancaster is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 1.5% |
For a sense of scale, Stafford disbursements at Saint Joseph’s University - Lancaster come to $78,871,848.00 distributed across 4,910 disbursements.
Veterans and active-duty students can access dedicated federal education aid including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 25 |
| Avg GI Bill amount | $15,871.00 |
| DoD Tuition Assistance recipients | 1 |
| Avg DoD Tuition Assistance | $750.00 |
For the full rundown of veteran and military benefits, see the college veterans page.
Beyond the data above, it helps to ask a few questions when weighing Saint Joseph’s University - Lancaster, a few questions are worth asking:
Use the pages below to go deeper on a specific part of the cost story:
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.