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 Saint Joseph’s University - Philadelphia can seem tremendous, but do not forget that almost all students are given some form of financial help.
What financing options does St. Joe’s offer, and what will you qualify for? Keep scrolling for more information. Keep scrolling to discover what amount of financial assistance could be accessible 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 Saint Joseph’s University - Philadelphia.
Aid such as grants, loans, work-study, and scholarships helps colleges decrease the real cost of attendance for most students. Bear in mind that not all aid is equal, and the amount any one student receives can vary widely.
At Saint Joseph’s University - Philadelphia, 100% of the incoming full-time class was awarded financial aid (about 1193 incoming students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 100% | $36,964 |
| Institutional grants & scholarships | 100% | $34,791 |
| Federal Pell grants | 21% | $5,799 |
| State/local grants | 18% | $4,368 |
| Federal student loans | 66% | $5,334 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. At St. Joe’s, about 95% of undergraduates were awarded an average grant or scholarship of $30,721 (covering around 4598 undergraduates).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 95% | $30,721 |
| Federal Pell grants | 20% | $5,680 |
| Federal student loans | 56% | $6,517 |
On-campus students receiving title-IV aid were awarded grants averaging $38,265.
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 | $32,017 |
| $30,001 – $75,000 | $33,681 |
| Over $75,000 | $36,832 |
Remember these are net prices — what families pay after gift aid, not before.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $29,689 |
| Off-campus title-IV students | $35,487 |
For a customized cost estimate, visit St. Joe’s’s net price tool: sju.studentaidcalculator.com/survey.aspx.
A typical borrower at St. Joe’s leaves with $21,500 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $21,500 |
| Median federal debt (graduates only) | $25,500 |
| Typical 10-year monthly payment (graduates) | $270.34/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. Use the percentiles below to see the debt range at St. Joe’s.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,500 |
| 25th percentile | $9,737 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $28,000 |
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 | $20,916 |
| Middle income | $23,421 |
| High income | $20,616 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $23,000 |
| Continuing-generation students | $19,733 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $21,463 |
| Independent students | $21,992 |
A handful of calculated indicators summarize the debt outlook at St. Joe’s.
The Stafford program is the federal direct-loan vehicle most undergraduates use. Below is the annual Stafford program activity at St. Joe’s:
| Metric | Value |
|---|---|
| Stafford loan recipients | 22020 |
| Total Stafford loan amount | $539,687,451 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 50 |
| Total GI Bill amount | $761,077 |
| Average GI Bill amount per recipient | $15,222 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 1 |
| Total DoD amount | $1,500 |
| Average DoD amount per recipient | $1,500 |
References
More about our data sources and methodologies.