by our College Data Analytics TeamHere’s the full picture on paying for Saint Ambrose University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
Use the section links below to navigate this overview:
Published attendance costs at Saint Ambrose University works out to about $50,018.00 per year.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $36,658.00 |
| + Room, board & other expenses | $13,360.00 |
| Total cost | $50,018.00 |
| That is 52% above the national average net price. |
| Total cost | $50,018.00 |
| − Grants and scholarships | −$26,450.00 |
| Net price | $23,568.00 |
| That is 28% below the national average net price. |
| Total cost | $50,018.00 |
| − Grants and scholarships | −$29,104.00 |
| Net price | $20,914.00 |
| That is 36% below the national average net price. | |
| Go deeper on the components with tuition and fees plus living costs. |
The reported cost series has been increasing at about 3.0% annually, so the projections below total more than one year of attendance. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. 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 | 3.0% | 3.0% | 3.0% |
| Freshman year | $21,537.00 | $24,270.00 | $51,507.00 |
| Senior year | $23,518.00 | $26,502.00 | $56,245.00 |
| Total 4-year net price | $90,070.00 | $101,500.00 | $215,411.00 |
| 10-year loan interest @ 6.8% | $34,313.00 | $38,668.00 | $82,064.00 |
| Total monthly payment | $1,037.00 | $1,168.00 | $2,479.00 |
| Total amount paid | $124,383.00 | $140,167.00 | $297,475.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $21,537.00 | $24,270.00 | $51,507.00 |
| Senior year | $22,178.00 | $24,992.00 | $53,040.00 |
| Total 2-year net price | $43,714.00 | $49,262.00 | $104,547.00 |
| 10-year loan interest @ 6.8% | $16,654.00 | $18,767.00 | $39,829.00 |
| Total monthly payment | $503.00 | $567.00 | $1,203.00 |
| Total amount paid | $60,368.00 | $68,028.00 | $144,376.00 |
For the complete net-price picture, see the net price section below.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $24,691.00 |
| Average net price (off-campus) | $22,750.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $20,300.00 |
| $30,000 to $48,000 | $17,945.00 |
| $48,001 to $75,000 | $20,111.00 |
| $75,001 to $110,000 | $24,236.00 |
| Over $110,000 | $25,806.00 |
Use Saint Ambrose University Net Price Calculator, or check with the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
The median amount borrowed by graduates of Saint Ambrose University stands at $19,500.00, landing it in the Low ($10-20k) debt-burden bucket.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,750.00 |
| 25th | $10,743.00 |
| Median (50th) | $19,500.00 |
| 75th | $27,000.00 |
| 90th | $32,250.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Explore borrowing, repayment, and default in detail on the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $22,487.00 |
| Middle income | $18,750.00 |
| High income | $19,500.00 |
Low-income graduates carry $2,987.00 more debt than their high-income peers.
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 | $20,500.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The median debt difference between Pell-eligible and non-Pell graduates of Saint Ambrose University comes to $1,000.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate tier for Saint Ambrose University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.5% |
For context on the loan portfolio, Stafford disbursements at Saint Ambrose University reach $309,373,918.00 covering 12,697 recipients.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 59 |
| Avg GI Bill amount | $14,694.00 |
| DoD Tuition Assistance recipients | 4 |
| Avg DoD Tuition Assistance | $3,250.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing Saint Ambrose University, think through the questions below:
Dig further into the cost picture with the related pages below:
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.