by our College Data Analytics TeamA large number of students will never be charged 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 sum total of attendance at St. Thomas Aquinas College can sound overpowering, but remember that the majority of students get some type of financial assistance.
What financing options does STAC offer, and what will you qualify for? Keep scrolling for more information. Keep going to see what amount of financial assistance could be accessible to you.
How much aid you qualify for depends largely on your family’s financial circumstances. The figures below will help you estimate the aid you might receive from St. Thomas Aquinas College.
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. Bear in mind that not all aid is equal, and the amount any one student receives can vary widely.
For freshmen starting at St. Thomas Aquinas College, 100% of first-time, full-time freshmen received some form of financial aid around 244 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 100% | $31,233 |
| Institutional grants & scholarships | 100% | $25,964 |
| Federal Pell grants | 46% | $6,003 |
| State/local grants | 35% | $6,714 |
| Federal student loans | 52% | $5,029 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. At STAC, approximately 68% of undergraduates were awarded an average grant or scholarship of $23,136 (across roughly 1213 awardees).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 68% | $23,136 |
| Federal Pell grants | 22% | $5,554 |
| Federal student loans | 28% | $6,216 |
For students living on campus and receiving title-IV aid, grants averaged $33,376.
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 | $15,584 |
| $30,001 – $75,000 | $19,628 |
| Over $75,000 | $26,010 |
These figures reflect what title-IV aid recipients pay after grant and scholarship aid is applied.
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 | $19,994 |
| Off-campus title-IV students | $21,344 |
To get a personalized net price estimate, try STAC’s online cost calculator: stac.edu/admissions-aid/financial-aid/net-price-calculator/.
Graduating students at STAC carry a median federal student debt of $17,500 of federal borrowing.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $17,500 |
| Median federal debt (graduates only) | $23,198 |
| Typical 10-year monthly payment (graduates) | $245.94/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
A single median figure conceals how much debt outcomes differ student to student. The four reference points below map the debt distribution at STAC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,751 |
| 25th percentile | $7,500 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $31,000 |
Outcomes differ by income bracket, by first-generation status, and by whether a student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,429 |
| Middle income | $18,294 |
| High income | $18,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,395 |
| Continuing-generation students | $19,500 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $17,500 |
| Independent students | $15,429 |
The Department of Education computes summary indicators that describe debt outcomes at a glance. STAC.
Stafford loans make up the bulk of federal direct lending to undergraduates. These figures summarize annual Stafford program activity at STAC:
| Metric | Value |
|---|---|
| Stafford loan recipients | 5141 |
| Total Stafford loan amount | $91,673,142 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 6 |
| Total GI Bill amount | $94,345 |
| Average GI Bill amount per recipient | $15,724 |
References
More about our data sources and methodologies.