by our College Data Analytics TeamHere is what you can expect to pay at St. Thomas University, from sticker cost of attendance and projected degree cost to net price, debt at graduation, and aid breakdowns.
If you want to dig into a particular figure, jump to any section below:
What it costs to attend St. Thomas University amounts to about $49,762.00 per academic year.
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 | $34,770.00 |
| + Room, board & other expenses | $14,992.00 |
| Total cost | $49,762.00 |
| That is 52% above the national average net price. |
| Total cost | $49,762.00 |
| − Grants and scholarships | −$24,893.00 |
| Net price | $24,869.00 |
| That is 24% below the national average net price. |
| Total cost | $49,762.00 |
| − Grants and scholarships | −$26,548.00 |
| Net price | $23,214.00 |
| That is 29% below the national average net price. | |
| Explore each piece on tuition and fees plus room and board. |
Cost of attendance here has been rising at about 1.8% a year, so a full degree will cost more than a single year — the tables below carry that forward. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.8% | 1.8% | 1.8% |
| Freshman year | $23,638.00 | $25,323.00 | $50,671.00 |
| Senior year | $24,958.00 | $26,737.00 | $53,500.00 |
| Total 4-year net price | $97,175.00 | $104,103.00 | $208,307.00 |
| 10-year loan interest @ 6.8% | $37,020.00 | $39,660.00 | $79,358.00 |
| Total monthly payment | $1,118.00 | $1,198.00 | $2,397.00 |
| Total amount paid | $134,196.00 | $143,763.00 | $287,665.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 1.8% | 1.8% | 1.8% |
| Freshman year | $23,638.00 | $25,323.00 | $50,671.00 |
| Senior year | $24,070.00 | $25,786.00 | $51,597.00 |
| Total 2-year net price | $47,708.00 | $51,109.00 | $102,268.00 |
| 10-year loan interest @ 6.8% | $18,175.00 | $19,471.00 | $38,960.00 |
| Total monthly payment | $549.00 | $588.00 | $1,177.00 |
| Total amount paid | $65,883.00 | $70,580.00 | $141,229.00 |
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. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $26,312.00 |
| Average net price (off-campus) | $24,275.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $23,083.00 |
| $30,000 to $48,000 | $23,471.00 |
| $48,001 to $75,000 | $23,944.00 |
| $75,001 to $110,000 | $28,095.00 |
| Over $110,000 | $28,725.00 |
Use [St. Thomas University Net Price Calculator](https://tcc.ruffalonl.com/(S(vbakyhng1c4sj5gtpekbz4yh))/St. Thomas University/Freshman-Students), or contact the financial aid office.
Want to know how that aid is awarded? See the financial aid page.
The median graduating debt at St. Thomas University is $9,500.00, which the Department of Education classifies as a Very Low (<$10k) debt-burden category.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $6,726.00 |
| Median (50th) | $9,500.00 |
| 75th | $27,500.00 |
| 90th | $40,486.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Read the complete debt breakdown on the student-loan-debt breakdown.
Debt outcomes vary substantially with family income. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $9,500.00 |
| Middle income | $8,292.00 |
| High income | $9,250.00 |
On average, low-income graduates leave with $250.00 in extra median debt compared with high-income peers.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $9,500.00 |
| Continuing-generation students | $9,247.00 |
First-generation graduates from St. Thomas University hold $253.00 in extra median debt compared with continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The median debt difference between Pell-eligible and non-Pell graduates of St. Thomas University comes to $791.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The default-rate category at St. Thomas University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 5.2% |
For context on the loan portfolio, Stafford disbursements at St. Thomas University add up to $708,694,396.00 spread across 18,020 recipients.
Veterans and active-duty service members may qualify for substantial federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 34 |
| Avg GI Bill amount | $14,990.00 |
Dig into veteran education benefits on the veteran aid breakdown.
The figures above are a starting point — as you weigh St. Thomas University, think through the questions below:
Use the pages below to go deeper on a specific part of the cost story:
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.