by our College Data Analytics TeamThis overview lays out the cost of attending Saint Cloud State University, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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Published attendance costs at Saint Cloud State University works out to about $21,389.00 a year.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $10,245.00 |
| + Room, board & other expenses | $11,144.00 |
| Total cost | $21,389.00 |
| That is 11% above the national average net price. |
| Total cost | $21,389.00 |
| − Grants and scholarships | −$7,587.00 |
| Net price | $13,802.00 |
| That is 28% below the national average net price. |
| Total cost | $21,389.00 |
| − Grants and scholarships | −$12,207.00 |
| Net price | $9,182.00 |
| That is 52% below the national average net price. | |
| Go deeper on the components with the tuition & fees page and living costs. |
Cost of attendance here has been rising by roughly 3.9% annually, so the projections below total more than one year of attendance. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.9% | 3.9% | 3.9% |
| Freshman year | $9,537.00 | $14,335.00 | $22,215.00 |
| Senior year | $10,686.00 | $16,062.00 | $24,892.00 |
| Total 4-year net price | $40,416.00 | $60,751.00 | $94,147.00 |
| 10-year loan interest @ 6.8% | $15,397.00 | $23,144.00 | $35,866.00 |
| Total monthly payment | $465.00 | $699.00 | $1,083.00 |
| Total amount paid | $55,813.00 | $83,895.00 | $130,013.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.9% | 3.9% | 3.9% |
| Freshman year | $9,537.00 | $14,335.00 | $22,215.00 |
| Senior year | $9,905.00 | $14,889.00 | $23,074.00 |
| Total 2-year net price | $19,442.00 | $29,225.00 | $45,289.00 |
| 10-year loan interest @ 6.8% | $7,407.00 | $11,134.00 | $17,254.00 |
| Total monthly payment | $224.00 | $336.00 | $521.00 |
| Total amount paid | $26,849.00 | $40,358.00 | $62,543.00 |
For the complete net-price picture, see the net-price section.
Net price is what students actually pay after grants and scholarships are subtracted from the published sticker price. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $13,529.00 |
| Average net price (off-campus) | $14,485.00 |
The real cost varies by income because need-based aid scales with financial need. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $9,772.00 |
| $30,000 to $48,000 | $10,298.00 |
| $48,001 to $75,000 | $13,125.00 |
| $75,001 to $110,000 | $17,908.00 |
| Over $110,000 | $20,104.00 |
Estimate your specific net price using the school’s Saint Cloud State University Net Price Calculator, or visit the financial aid office.
For the grant-and-scholarship detail behind these figures, see the grants & scholarships detail.
Typical debt at graduation from Saint Cloud State University stands at $14,362.00, landing it in the Low ($10-20k) burden tier.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,250.00 |
| 25th | $5,500.00 |
| Median (50th) | $14,362.00 |
| 75th | $25,162.00 |
| 90th | $32,500.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Dig deeper into debt on the student loan debt page.
Family income tracks closely with debt at graduation. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,317.00 |
| Middle income | $13,250.00 |
| High income | $15,000.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $14,000.00 |
| Continuing-generation students | $15,000.00 |
The Pell Grant is the main federal need-based award for undergraduates. Pell vs non-Pell comparisons surface how debt breaks down by need.
The Pell-versus-non-Pell median debt difference at Saint Cloud State University is $3,081.00. This institution is flagged by federal data for Pell-debt inequity.
The default-rate category at Saint Cloud State University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.4% |
For a sense of scale, Stafford disbursements at Saint Cloud State University reach $696,079,875.00 spread across 39,324 student borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 110 |
| Avg GI Bill amount | $6,789.00 |
| DoD Tuition Assistance recipients | 70 |
| Avg DoD Tuition Assistance | $3,187.00 |
Read more about military and veteran aid on the college veterans page.
Numbers only tell part of the story. As you weigh Saint Cloud State University, 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.