by our College Data Analytics TeamThis overview lays out the cost of attending St. Andrews 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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The cost of attendance at St. Andrews University stands at about $49,709.00 per year.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $32,388.00 |
| + Room, board & other expenses | $17,321.00 |
| Total cost | $49,709.00 |
| That is 52% above the national average net price. |
| Total cost | $49,709.00 |
| − Grants and scholarships | −$18,168.00 |
| Net price | $31,541.00 |
| That is 4% below the national average net price. |
| Total cost | $49,709.00 |
| − Grants and scholarships | −$20,951.00 |
| Net price | $28,758.00 |
| That is 12% below the national average net price. | |
| Go deeper on the components with the tuition & fees page plus living costs. |
Costs have trended upward in recent years by roughly 4.2% a year, so a full degree will cost more than a single year — the tables below carry that forward. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.2% | 4.2% | 4.2% |
| Freshman year | $29,966.00 | $32,866.00 | $51,796.00 |
| Senior year | $33,901.00 | $37,182.00 | $58,600.00 |
| Total 4-year net price | $127,626.00 | $139,977.00 | $220,606.00 |
| 10-year loan interest @ 6.8% | $48,621.00 | $53,326.00 | $84,043.00 |
| Total monthly payment | $1,469.00 | $1,611.00 | $2,539.00 |
| Total amount paid | $176,247.00 | $193,303.00 | $304,648.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.2% | 4.2% | 4.2% |
| Freshman year | $29,966.00 | $32,866.00 | $51,796.00 |
| Senior year | $31,224.00 | $34,246.00 | $53,972.00 |
| Total 2-year net price | $61,190.00 | $67,111.00 | $105,768.00 |
| 10-year loan interest @ 6.8% | $23,311.00 | $25,567.00 | $40,294.00 |
| Total monthly payment | $704.00 | $772.00 | $1,217.00 |
| Total amount paid | $84,501.00 | $92,678.00 | $146,062.00 |
Read more 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) | $32,513.00 |
| Average net price (off-campus) | $33,756.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $35,861.00 |
| $30,000 to $48,000 | $28,615.00 |
| $48,001 to $75,000 | $31,578.00 |
| $75,001 to $110,000 | $34,947.00 |
| Over $110,000 | $34,745.00 |
For a personalized estimate, try the St. Andrews University Net Price Calculator.
Dig into how aid is awarded on the financial aid page.
The median amount borrowed by graduates of St. Andrews University works out to $8,750.00, which federal data classifies as a Very Low (<$10k) debt-burden bucket.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $5,500.00 |
| Median (50th) | $8,750.00 |
| 75th | $22,500.00 |
| 90th | $31,000.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
For the full borrowing and repayment picture, see the student loan debt page.
Debt at graduation is far from uniform across income levels. The table below divides borrowers into three income tiers:
| Family income | Median debt at graduation |
|---|---|
| Low income | $8,250.00 |
| Middle income | $8,437.00 |
| High income | $9,500.00 |
Whether your parents attended college is associated with differences in median debt at graduation.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $8,750.00 |
| Continuing-generation students | $8,613.00 |
First-generation graduates from St. Andrews University leave with $137.00 in extra median debt compared with continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Pell vs non-Pell comparisons surface how debt breaks down by need.
The gap between Pell-eligible and non-Pell median debt at St. Andrews University stands at $2,000.00. This school carries a federal Pell-debt-inequity flag.
The default-rate category at St. Andrews University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 11.6% |
For scale, federal Stafford loan disbursements at St. Andrews University reach $102,978,222.00 spread across 6,905 borrowers.
Veterans and active-duty servicemembers can tap dedicated federal aid programs like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 28 |
| Avg GI Bill amount | $8,246.00 |
Read more about military and veteran aid on the college veterans page.
Numbers only tell part of the story. As you weigh St. Andrews University, a few questions are worth asking:
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.