by our College Data Analytics TeamThe majority of students will not be asked to pay the advertised price of a school. Instead, they will be provided a financial aid package that will include a combination of scholarships, grants, loans, and work-study. The total cost of going to Saint Joseph’s University - Lancaster can seem tremendous, but do not forget that almost all students are given some form of financial help.
Just what financial assistance solutions will PA College deliver, and just what are you going to be eligible for? Read on for answers. Scroll down to learn how much school funding will be available to you.
The amount of financial aid and scholarships you are eligible for will vary depending on your family’s income. Read on to get a sense of the financial assistance available at Saint Joseph’s University - Lancaster.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Some kinds of aid are clearly preferable to others, and outcomes differ across students.
For freshmen starting at Saint Joseph’s University - Lancaster, 88% of new full-time first-years were awarded at least some aid around 52 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 51% | $7,920 |
| Institutional grants & scholarships | 5% | $3,280 |
| Federal Pell grants | 39% | $5,382 |
| State/local grants | 34% | $5,099 |
| Federal student loans | 61% | $5,379 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. At this school, approximately 73% of undergraduates were awarded grant or scholarship aid averaging $8,997 (for some 1207 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 73% | $8,997 |
| Federal Pell grants | 55% | $2,208 |
| Federal student loans | 53% | $7,132 |
On-campus students receiving title-IV aid were awarded grants averaging $5,401.
Need-based aid means lower-income families typically pay far less than the sticker price suggests.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $32,838 |
| $30,001 – $75,000 | $33,902 |
| Over $75,000 | $40,599 |
Each figure is the net price after grants and scholarships, not the published sticker price.
Net price is the average annual cost after grants and scholarships are subtracted from the published cost of attendance — the figure closest to what a typical aid-receiving student actually pays.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $42,478 |
| Off-campus title-IV students | $37,208 |
For an estimate tailored to your family circumstances, see PA College’s net price tool: sju.studentaidcalculator.com/survey.aspx.
A typical borrower at PA College leaves with $13,352 of federal student loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $13,352 |
| Median federal debt (graduates only) | $17,500 |
| Typical 10-year monthly payment (graduates) | $185.53/mo |
At a typical 10-year repayment schedule, the median graduate would pay about the monthly figure above.
The median alone does not show how widely outcomes vary across the student body. Use the percentiles below to see the debt range at PA College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,985 |
| 25th percentile | $7,005 |
| 75th percentile | $21,610 |
| 90th percentile (highest-debt students) | $30,500 |
Median debt varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $15,749 |
| Middle income | $13,000 |
| High income | $12,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,000 |
| Continuing-generation students | $14,250 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,000 |
| Independent students | $16,862 |
These indicators are derived from the underlying debt data and summarize the overall picture at PA College.
Stafford loans are the federal government’s primary direct undergraduate lending program. The annual Stafford volume below reflects program activity at PA College:
| Metric | Value |
|---|---|
| Stafford loan recipients | 4910 |
| Total Stafford loan amount | $78,871,848 |
If you are a veteran or active-duty service member, the GI Bill and DoD Tuition Assistance are the primary federal programs you can use at this school.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 25 |
| Total GI Bill amount | $396,781 |
| Average GI Bill amount per recipient | $15,871 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 1 |
| Total DoD amount | $750 |
| Average DoD amount per recipient | $750 |
References
More about our data sources and methodologies.