by our College Data Analytics TeamA large number of students will never be charged the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The sum total of attendance at St. Andrews University can sound overpowering, but remember that the majority of students get some type of financial assistance.
Just what financial assistance solutions will St. Andrews deliver, and just what are you going to be eligible for? Read on for answers. Keep reading to learn what amount of financial assistance will be accessible to you.
How much aid you qualify for depends largely on your family’s financial circumstances. Use the information below to understand how much financial assistance you may get from St. Andrews University.
Through a mix of loans, grants, work-study and scholarships, schools bring down the effective cost so more students can attend. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
Among first-time, full-time freshmen at St. Andrews University, 95% of new full-time first-years were awarded at least some aid roughly 216 incoming students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 79% | $21,207 |
| Institutional grants & scholarships | 79% | $15,542 |
| Federal Pell grants | 53% | $5,696 |
| State/local grants | 19% | $5,880 |
| Federal student loans | 74% | $5,783 |
Grants and scholarships are the most valuable form of aid because, unlike loans, they never have to be repaid. At this school, around 90% of undergraduate students received gift aid averaging $17,425 (for some 728 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 90% | $17,425 |
| Federal Pell grants | 49% | $5,877 |
| Federal student loans | 72% | $6,986 |
For on-campus title-IV students, average grant aid came to $18,168.
The figures below show the average net price — cost after all grant and scholarship aid — broken out by family income.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $33,564 |
| $30,001 – $75,000 | $30,067 |
| Over $75,000 | $34,821 |
Each figure is the net price after grants and scholarships, not the published sticker price.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $32,513 |
| Off-campus title-IV students | $33,756 |
For a personalized estimate based on your family’s financial situation, use St. Andrews’s net price calculator: www.sa.edu/NetPriceCalculator/npcalc.htm.
The middle student in the debt distribution at St. Andrews owes $8,750 of cumulative federal debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $8,750 |
| Median federal debt (graduates only) | $25,250 |
| Typical 10-year monthly payment (graduates) | $267.69/mo |
Under a standard ten-year plan, the median graduate’s monthly payment lands near the figure above.
The median alone does not show how widely outcomes vary across the student body. The percentiles below describe the cumulative federal debt distribution for borrowers at St. Andrews.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $5,500 |
| 75th percentile | $22,500 |
| 90th percentile (highest-debt students) | $31,000 |
How much a student borrows depends heavily on family income, first-gen status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $8,250 |
| Middle income | $8,437 |
| High income | $9,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $8,750 |
| Continuing-generation students | $8,613 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,250 |
| Independent students | $9,500 |
The Department of Education computes summary indicators that describe debt outcomes at a glance. St. Andrews.
Stafford loans are the federal government’s primary direct undergraduate lending program. The aggregate figures below show how active the program is at St. Andrews:
| Metric | Value |
|---|---|
| Stafford loan recipients | 6905 |
| Total Stafford loan amount | $102,978,222 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 28 |
| Total GI Bill amount | $230,880 |
| Average GI Bill amount per recipient | $8,246 |
References
More about our data sources and methodologies.