by our College Data Analytics TeamThis guide covers the real cost of attending Spalding University, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
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Published attendance costs at Spalding University stands at about $43,474.00 annually.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $29,200.00 |
| + Room, board & other expenses | $14,274.00 |
| Total cost | $43,474.00 |
| That is 33% above the national average net price. |
| Total cost | $43,474.00 |
| − Grants and scholarships | −$20,039.00 |
| Net price | $23,435.00 |
| That is 29% below the national average net price. |
| Total cost | $43,474.00 |
| − Grants and scholarships | −$25,021.00 |
| Net price | $18,453.00 |
| That is 44% below the national average net price. | |
| Go deeper on the components with tuition and fees and living costs. |
Costs have trended upward in recent years by around 3.0% 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. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $19,002.00 | $24,132.00 | $44,766.00 |
| Senior year | $20,747.00 | $26,348.00 | $48,879.00 |
| Total 4-year net price | $79,463.00 | $100,917.00 | $187,209.00 |
| 10-year loan interest @ 6.8% | $30,273.00 | $38,446.00 | $71,320.00 |
| Total monthly payment | $914.00 | $1,161.00 | $2,154.00 |
| Total amount paid | $109,736.00 | $139,362.00 | $258,530.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.0% | 3.0% | 3.0% |
| Freshman year | $19,002.00 | $24,132.00 | $44,766.00 |
| Senior year | $19,566.00 | $24,849.00 | $46,097.00 |
| Total 2-year net price | $38,568.00 | $48,981.00 | $90,863.00 |
| 10-year loan interest @ 6.8% | $14,693.00 | $18,660.00 | $34,616.00 |
| Total monthly payment | $444.00 | $564.00 | $1,046.00 |
| Total amount paid | $53,261.00 | $67,641.00 | $125,479.00 |
See the full net-price breakdown in the Net Price section.
Net price strips out grant and scholarship aid to show what families really pay. For most prospective students, net price gives a more realistic estimate than sticker tuition.
| Average net price (on-campus) | $25,491.00 |
| Average net price (off-campus) | $24,264.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $21,467.00 |
| $30,000 to $48,000 | $18,835.00 |
| $48,001 to $75,000 | $23,416.00 |
| $75,001 to $110,000 | $25,555.00 |
| Over $110,000 | $29,032.00 |
Use Spalding University Net Price Calculator, or contact the financial aid office.
Want to know how that aid is awarded? See the financial aid breakdown.
Median graduate debt at Spalding University is $20,500.00, which the Department of Education classifies as a Moderate ($20-30k) debt-burden category.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $4,534.00 |
| 25th | $7,250.00 |
| Median (50th) | $20,500.00 |
| 75th | $26,750.00 |
| 90th | $36,000.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
For the full borrowing and repayment picture, see the student loan debt detail.
Debt outcomes vary substantially with family income. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $23,000.00 |
| Middle income | $19,874.00 |
| High income | $19,500.00 |
Low-income graduates carry $3,500.00 more debt than their high-income peers.
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $21,000.00 |
| Continuing-generation students | $19,500.00 |
First-generation graduates of Spalding University graduate with $1,500.00 more debt than continuing-generation students.
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The Pell vs non-Pell debt gap at Spalding University is $7,100.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate tier for Spalding University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 8.1% |
To give some context for these rates, Stafford loans disbursed at Spalding University total $348,657,938.00 distributed across 9,240 loan recipients.
Veterans and active-duty servicemembers can tap dedicated federal aid programs including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 43 |
| Avg GI Bill amount | $12,651.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
Numbers only tell part of the story. As you weigh Spalding University, keep these questions in mind:
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.