by our College Data Analytics TeamMany students are not billed the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total cost of going to St. Joseph’s University-New York can seem overwhelming, but bear in mind that many students are given some form of financial aid.
Just what financial assistance solutions will SJC deliver, and just what are you going to be eligible for? Read on for answers. Keep scrolling to discover how much school funding could be available to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. The figures below will help you estimate the aid you might receive from St. Joseph’s University-New York.
Colleges use loans, grants, scholarships and work-study to minimize what students actually pay out of pocket. However, some types of aid are more desirable than others, and some students will receive more than others.
Looking at the entering class at St. Joseph’s University-New York, 99% of new full-time first-years were awarded at least some aid approximately 481 incoming students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 99% | $22,280 |
| Institutional grants & scholarships | 98% | $19,132 |
| Federal Pell grants | 36% | $5,487 |
| State/local grants | 36% | $2,893 |
| Federal student loans | 48% | $5,158 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. Across the undergraduate body at SJC, some 89% of undergrads got grants or scholarships worth on average $18,222 (for some 3014 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 89% | $18,222 |
| Federal Pell grants | 34% | $5,194 |
| Federal student loans | 52% | $7,083 |
Title-IV recipients living on campus saw average grant aid of $22,862.
The figures below show the average net price — cost after all grant and scholarship aid — broken out by family income.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $14,204 |
| $30,001 – $75,000 | $16,055 |
| Over $75,000 | $20,910 |
Remember these are net prices — what families pay after gift aid, not before.
Net price is the average annual cost after grants and scholarships are subtracted from the published cost of attendance — the figure closest to what a typical aid-receiving student actually pays.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $19,035 |
| Off-campus title-IV students | $17,622 |
For a personalized estimate based on your family’s financial situation, use SJC’s NPC: [tcc.ruffalonl.com/Saint Josephs University NY/Freshman Students](https://tcc.ruffalonl.com/Saint Josephs University NY/Freshman Students).
Graduating students at SJC carry a median federal student debt of $17,750 of federal student loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $17,750 |
| Median federal debt (graduates only) | $22,000 |
| Typical 10-year monthly payment (graduates) | $233.24/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
The median alone does not show how widely outcomes vary across the student body. The percentiles below describe the cumulative federal debt distribution for borrowers at SJC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $7,150 |
| 75th percentile | $25,000 |
| 90th percentile (highest-debt students) | $31,500 |
Median debt varies by family income, by first-generation status, and by dependency status.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $17,834 |
| Middle income | $15,750 |
| High income | $18,500 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $18,013 |
| Continuing-generation students | $16,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,000 |
| Independent students | $19,250 |
The Department of Education computes summary indicators that describe debt outcomes at a glance. SJC.
Stafford loans are the federal government’s primary direct undergraduate lending program. The totals below capture Stafford lending at SJC:
| Metric | Value |
|---|---|
| Stafford loan recipients | 17942 |
| Total Stafford loan amount | $395,604,291 |
Military-affiliated students can tap the Post-9/11 GI Bill and DoD Tuition Assistance.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 127 |
| Total GI Bill amount | $2,486,142 |
| Average GI Bill amount per recipient | $19,576 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 11 |
| Total DoD amount | $24,000 |
| Average DoD amount per recipient | $2,182 |
References
More about our data sources and methodologies.