by our College Data Analytics TeamHere’s the full picture on paying for Point Loma Nazarene University, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
Use the section links below to navigate this overview:
The full cost of attending Point Loma Nazarene University works out to about $56,664.00 per 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 | $46,250.00 |
| + Room, board & other expenses | $10,414.00 |
| Total cost | $56,664.00 |
| That is 73% above the national average net price. |
| Total cost | $56,664.00 |
| − Grants and scholarships | −$21,759.00 |
| Net price | $34,905.00 |
| That is 6% above the national average net price. |
| Total cost | $56,664.00 |
| − Grants and scholarships | −$29,489.00 |
| Net price | $27,175.00 |
| That is 17% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus room and board. |
Published costs have climbed year over year by around 5.4% a year, so a full degree will cost more than a single year — the tables below carry that forward. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. 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 | 5.4% | 5.4% | 5.4% |
| Freshman year | $28,643.00 | $36,791.00 | $59,726.00 |
| Senior year | $33,542.00 | $43,084.00 | $69,941.00 |
| Total 4-year net price | $124,200.00 | $159,529.00 | $258,976.00 |
| 10-year loan interest @ 6.8% | $47,316.00 | $60,775.00 | $98,661.00 |
| Total monthly payment | $1,429.00 | $1,836.00 | $2,980.00 |
| Total amount paid | $171,516.00 | $220,304.00 | $357,637.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 5.4% | 5.4% | 5.4% |
| Freshman year | $28,643.00 | $36,791.00 | $59,726.00 |
| Senior year | $30,191.00 | $38,779.00 | $62,954.00 |
| Total 2-year net price | $58,835.00 | $75,571.00 | $122,680.00 |
| 10-year loan interest @ 6.8% | $22,414.00 | $28,790.00 | $46,736.00 |
| Total monthly payment | $677.00 | $870.00 | $1,412.00 |
| Total amount paid | $81,249.00 | $104,360.00 | $169,416.00 |
For the complete net-price picture, see the net price section below.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $38,729.00 |
| Average net price (off-campus) | $36,127.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $44,837.00 |
| $30,000 to $48,000 | $47,378.00 |
| $48,001 to $75,000 | $49,500.00 |
| $75,001 to $110,000 | $51,106.00 |
| Over $110,000 | $51,154.00 |
Use Point Loma Nazarene University Net Price Calculator, or reach out to the financial aid office.
Want to know how that aid is awarded? See the financial aid page.
Median graduate debt at Point Loma Nazarene University works out to $19,500.00, landing it in the Low ($10-20k) debt-load classification.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,500.00 |
| 25th | $8,700.00 |
| Median (50th) | $19,500.00 |
| 75th | $27,000.00 |
| 90th | $31,000.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Dig deeper into debt on the student-loan-debt breakdown.
Student debt at graduation is not evenly distributed across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $18,548.00 |
| Middle income | $19,250.00 |
| High income | $19,688.00 |
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $18,750.00 |
| Continuing-generation students | $20,000.00 |
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The Pell-versus-non-Pell median debt difference at Point Loma Nazarene University stands at $406.00. This institution is flagged by federal data for Pell-debt inequity.
The Department of Education default-rate tier for Point Loma Nazarene University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 1.8% |
For scale, federal Stafford loan disbursements at Point Loma Nazarene University reach $378,599,005.00 across 13,920 disbursements.
Veterans and current servicemembers may be eligible for major federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 200 |
| Avg GI Bill amount | $21,876.00 |
| DoD Tuition Assistance recipients | 6 |
| Avg DoD Tuition Assistance | $2,333.00 |
Dig into veteran education benefits on the veteran aid breakdown.
The figures above are a starting point — as you weigh Point Loma Nazarene University, the questions below are worth your time:
Each page below covers one part of paying for college in more detail:
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.