by our College Data Analytics TeamHere is what you can expect to pay at St. Thomas Aquinas College, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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The full cost of attending St. Thomas Aquinas College works out to about $51,685.00 annually.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $39,450.00 |
| + Room, board & other expenses | $12,235.00 |
| Total cost | $51,685.00 |
| That is 58% above the national average net price. |
| Total cost | $51,685.00 |
| − Grants and scholarships | −$33,376.00 |
| Net price | $18,309.00 |
| That is 44% below the national average net price. |
| Total cost | $51,685.00 |
| − Grants and scholarships | −$41,624.00 |
| Net price | $10,061.00 |
| That is 69% below the national average net price. | |
| Want the line-by-line detail? Dig into tuition and fees plus room and board. |
Costs have trended upward in recent years at about 3.9% per year; the projections below compound that across a degree. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan figures amortise the projected total over ten years 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 | $10,451.00 | $19,019.00 | $53,688.00 |
| Senior year | $11,714.00 | $21,316.00 | $60,175.00 |
| Total 4-year net price | $44,297.00 | $80,612.00 | $227,561.00 |
| 10-year loan interest @ 6.8% | $16,876.00 | $30,710.00 | $86,693.00 |
| Total monthly payment | $510.00 | $928.00 | $2,619.00 |
| Total amount paid | $61,173.00 | $111,322.00 | $314,254.00 |
| 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 | $10,451.00 | $19,019.00 | $53,688.00 |
| Senior year | $10,856.00 | $19,756.00 | $55,769.00 |
| Total 2-year net price | $21,307.00 | $38,774.00 | $109,457.00 |
| 10-year loan interest @ 6.8% | $8,117.00 | $14,772.00 | $41,699.00 |
| Total monthly payment | $245.00 | $446.00 | $1,260.00 |
| Total amount paid | $29,424.00 | $53,546.00 | $151,156.00 |
See the full net-price breakdown in the Net Price section.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $19,994.00 |
| Average net price (off-campus) | $21,344.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $13,977.00 |
| $30,000 to $48,000 | $18,169.00 |
| $48,001 to $75,000 | $20,644.00 |
| $75,001 to $110,000 | $27,309.00 |
| Over $110,000 | $25,598.00 |
Get a tailored estimate from the St. Thomas Aquinas College Net Price Calculator, or get in touch with the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
Median graduate debt at St. Thomas Aquinas College amounts to $17,500.00, which federal data classifies as a Low ($10-20k) burden category.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,751.00 |
| 25th | $7,500.00 |
| Median (50th) | $17,500.00 |
| 75th | $27,000.00 |
| 90th | $31,000.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Explore borrowing, repayment, and default in detail on the student loan debt detail.
Debt at graduation is far from uniform across income levels. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,429.00 |
| Middle income | $18,294.00 |
| High income | $18,000.00 |
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,395.00 |
| Continuing-generation students | $19,500.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell-versus-non-Pell median debt difference at St. Thomas Aquinas College amounts to $1,500.00. Federal data flags this school for Pell-related debt inequity.
The default-rate classification at St. Thomas Aquinas College is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.4% |
To give some context for these rates, Stafford loans disbursed at St. Thomas Aquinas College reach $91,673,142.00 covering 5,141 loan recipients.
Veterans and current servicemembers may be eligible for major federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 6 |
| Avg GI Bill amount | $15,724.00 |
Read more about military and veteran aid on the college veterans page.
Use the figures above as a launch point, then think through St. Thomas Aquinas College, think through the questions below:
Explore the related pages below for a deeper look at the cost picture:
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.