by our College Data Analytics TeamMost students will not be asked to pay the complete price tag of a school. Rather, they are presented a financial aid deal that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The sum total of attendance at Saint Cloud State University can sound tremendous, but do not forget that almost all students get some type of financial help.
Just what financial aid solutions can St. Cloud State University provide, and just what are you going to be eligible for? Keep reading for answers. Scroll down to see how much school funding could be available to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. The information provided on this page can help you determine how much aid you may receive from Saint Cloud State University.
Aid such as grants, loans, work-study, and scholarships helps colleges decrease the real cost of attendance for most students. Some kinds of aid are clearly preferable to others, and outcomes differ across students.
For freshmen starting at Saint Cloud State University, 87% of entering full-time freshmen got some type of financial assistance roughly 731 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 84% | $7,036 |
| Institutional grants & scholarships | 78% | $2,897 |
| Federal Pell grants | 34% | $5,441 |
| State/local grants | 42% | $3,777 |
| Federal student loans | 38% | $5,497 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. Across the undergraduate body at St. Cloud State University, roughly 50% of the undergraduate population received grant aid that averaged $7,165 (across roughly 4206 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 50% | $7,165 |
| Federal Pell grants | 22% | $4,835 |
| Federal student loans | 24% | $6,762 |
On-campus students receiving title-IV aid were awarded grants averaging $7,587.
Because need-based aid scales with family income, what students actually pay differs sharply across income brackets.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $10,008 |
| $30,001 – $75,000 | $11,783 |
| Over $75,000 | $19,248 |
Each amount is the average cost remaining once grant aid is subtracted, by income band.
After grants and scholarships come off the published price, what remains is the net price — the best estimate of true out-of-pocket cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $13,529 |
| Off-campus title-IV students | $14,485 |
To get a personalized net price estimate, try St. Cloud State University’s online cost calculator: www.stcloudstate.edu/scsu4u/financing/netpricecalculator.aspx.
The median student at St. Cloud State University graduates with $14,362 of federal borrowing.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $14,362 |
| Median federal debt (graduates only) | $21,058 |
| Typical 10-year monthly payment (graduates) | $223.25/mo |
That monthly figure reflects the median graduate debt repaid on a standard 10-year federal schedule.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. The four reference points below map the debt distribution at St. Cloud State University.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $25,162 |
| 90th percentile (highest-debt students) | $32,500 |
The figures below break down median federal debt by income tier, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $14,317 |
| Middle income | $13,250 |
| High income | $15,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,000 |
| Continuing-generation students | $15,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $14,000 |
| Independent students | $16,611 |
These indicators are derived from the underlying debt data and summarize the overall picture at St. Cloud State University.
Most undergraduate borrowing runs through the federal Stafford loan program. The annual Stafford volume below reflects program activity at St. Cloud State University:
| Metric | Value |
|---|---|
| Stafford loan recipients | 39324 |
| Total Stafford loan amount | $696,079,875 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 110 |
| Total GI Bill amount | $746,796 |
| Average GI Bill amount per recipient | $6,789 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 70 |
| Total DoD amount | $223,083 |
| Average DoD amount per recipient | $3,187 |
References
More about our data sources and methodologies.