by our College Data Analytics TeamA large number of students will not be asked to pay the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The total cost of going to University of Saint Joseph can seem tremendous, but do not forget that almost all students are given some form of financial help.
Just what financial aid solutions can USJ deliver, and just what are you going to be eligible for? Keep reading for answers. Keep reading to see how much school funding could be available to you.
The amount of financial aid and scholarships you are eligible for will vary depending on your family’s income. The information provided on this page can help you determine how much aid you may receive from University of Saint Joseph.
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. However, some types of aid are more desirable than others, and some students will receive more than others.
Among first-time, full-time freshmen at University of Saint Joseph, 100% of new full-time first-years were awarded at least some aid some 173 new students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 100% | $30,747 |
| Institutional grants & scholarships | 100% | $27,613 |
| Federal Pell grants | 36% | $5,481 |
| State/local grants | 20% | $4,103 |
| Federal student loans | 72% | $5,345 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. At USJ, around 88% of undergraduates were awarded grant or scholarship aid averaging $26,879 (across roughly 775 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 88% | $26,879 |
| Federal Pell grants | 33% | $5,381 |
| Federal student loans | 71% | $6,927 |
Title-IV recipients living on campus saw average grant aid of $31,911.
How much a family pays depends heavily on income, because most aid is awarded on the basis of financial need.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $22,464 |
| $30,001 – $75,000 | $26,649 |
| Over $75,000 | $29,148 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
The net price represents the average annual cost a title-IV-receiving student pays after grant aid is subtracted from the full cost of attendance.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $27,989 |
| Off-campus title-IV students | $27,375 |
For a customized cost estimate, visit USJ’s net price tool: www.usj.edu/admissions/tuition-financial-aid/net-price-calculator/.
A typical borrower at USJ leaves with $24,000 in federal student debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $24,000 |
| Median federal debt (graduates only) | $27,000 |
| Typical 10-year monthly payment (graduates) | $286.24/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
A single median figure conceals how much debt outcomes differ student to student. These percentiles trace how cumulative federal debt is spread among borrowers at USJ.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $12,000 |
| 75th percentile | $29,500 |
| 90th percentile (highest-debt students) | $37,500 |
How much a student borrows depends heavily on family income, first-gen status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $25,000 |
| Middle income | $24,233 |
| High income | $21,500 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $24,000 |
| Continuing-generation students | $23,875 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $20,813 |
| Independent students | $26,750 |
These indicators are derived from the underlying debt data and summarize the overall picture at USJ.
Stafford loans are the federal government’s primary direct undergraduate lending program. The totals below capture Stafford lending at USJ:
| Metric | Value |
|---|---|
| Stafford loan recipients | 9428 |
| Total Stafford loan amount | $320,452,179 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
GI Bill volume
| Metric | Value |
|---|---|
| GI Bill recipients | 15 |
| Total GI Bill amount | $308,810 |
| Average GI Bill amount per recipient | $20,587 |
DoD program volume
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 2 |
| Total DoD amount | $4,500 |
| Average DoD amount per recipient | $2,250 |
References
More about our data sources and methodologies.