by our College Data Analytics TeamThis overview lays out the cost of attending St. Mary’s College of Maryland, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
If you want to dig into a particular figure, jump to any section below:
Cost of attendance at St. Mary’s College of Maryland spanned $31,319.00 through $47,395.00 depending on your residency status.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: around $31,319.00 in-state against $47,395.00 out of state.
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 | $15,298.00 |
| + Room, board & other expenses | $16,021.00 |
| Total cost | $31,319.00 |
| That is 63% above the national average net price. |
| Total cost | $31,319.00 |
| − Grants and scholarships | −$13,424.00 |
| Net price | $17,895.00 |
| That is 7% below the national average net price. |
| Total cost | $31,319.00 |
| − Grants and scholarships | −$28,976.00 |
| Net price | $2,343.00 |
| That is 88% below the national average net price. |
| Tuition and fees | $31,374.00 |
| + Room, board & other expenses | $16,021.00 |
| Total cost | $47,395.00 |
| That is 146% above the national average net price. |
| Total cost | $47,395.00 |
| − Grants and scholarships | −$13,424.00 |
| Net price | $33,971.00 |
| That is 76% above the national average net price. |
| Total cost | $47,395.00 |
| − Grants and scholarships | −$28,976.00 |
| Net price | $18,419.00 |
| That is 4% below the national average net price. | |
| For the full breakdown, see the tuition & fees page and living costs. |
The reported cost series has been increasing at a recent average of 0.2% per year, so the four-year total runs well above today’s cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. 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 | 0.2% | 0.2% | 0.2% |
| Freshman year | $2,347.00 | $17,928.00 | $31,377.00 |
| Senior year | $2,360.00 | $18,028.00 | $31,552.00 |
| Total 4-year net price | $9,416.00 | $71,913.00 | $125,858.00 |
| 10-year loan interest @ 6.8% | $3,587.00 | $27,396.00 | $47,947.00 |
| Total monthly payment | $108.00 | $828.00 | $1,448.00 |
| Total amount paid | $13,003.00 | $99,309.00 | $173,806.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.2% | 0.2% | 0.2% |
| Freshman year | $2,347.00 | $17,928.00 | $31,377.00 |
| Senior year | $2,352.00 | $17,961.00 | $31,435.00 |
| Total 2-year net price | $4,699.00 | $35,890.00 | $62,812.00 |
| 10-year loan interest @ 6.8% | $1,790.00 | $13,673.00 | $23,929.00 |
| Total monthly payment | $54.00 | $413.00 | $723.00 |
| Total amount paid | $6,489.00 | $49,562.00 | $86,742.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.2% | 0.2% | 0.2% |
| Freshman year | $18,453.00 | $34,034.00 | $47,483.00 |
| Senior year | $18,556.00 | $34,224.00 | $47,748.00 |
| Total 4-year net price | $74,018.00 | $136,516.00 | $190,461.00 |
| 10-year loan interest @ 6.8% | $28,198.00 | $52,007.00 | $72,559.00 |
| Total monthly payment | $852.00 | $1,571.00 | $2,192.00 |
| Total amount paid | $102,217.00 | $188,523.00 | $263,020.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0.2% | 0.2% | 0.2% |
| Freshman year | $18,453.00 | $34,034.00 | $47,483.00 |
| Senior year | $18,487.00 | $34,097.00 | $47,571.00 |
| Total 2-year net price | $36,941.00 | $68,131.00 | $95,054.00 |
| 10-year loan interest @ 6.8% | $14,073.00 | $25,956.00 | $36,212.00 |
| Total monthly payment | $425.00 | $784.00 | $1,094.00 |
| Total amount paid | $51,014.00 | $94,087.00 | $131,266.00 |
See the full net-price breakdown in the net price section below.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $18,441.00 |
| Average net price (off-campus) | $18,362.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $3,618.00 |
| $30,000 to $48,000 | $9,370.00 |
| $48,001 to $75,000 | $14,955.00 |
| $75,001 to $110,000 | $20,010.00 |
| Over $110,000 | $25,256.00 |
Get a tailored estimate from the St. Mary’s College of Maryland Net Price Calculator, or contact the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
The median graduating debt at St. Mary’s College of Maryland comes to $17,000.00, placing the school in the Low ($10-20k) debt-burden bucket.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,750.00 |
| 25th | $8,250.00 |
| Median (50th) | $17,000.00 |
| 75th | $25,624.00 |
| 90th | $27,454.00 |
The gap between 10th and 90th percentile borrowers gives a sense of how uneven debt outcomes are.
Dig deeper into debt on the student loan debt detail.
Debt at graduation is far from uniform across income levels. The figures below split graduating borrowers into three income brackets:
| Family income | Median debt at graduation |
|---|---|
| Low income | $14,883.00 |
| Middle income | $16,750.00 |
| High income | $18,088.00 |
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $16,817.00 |
| Continuing-generation students | $17,342.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell vs non-Pell debt gap at St. Mary’s College of Maryland works out to $183.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The default-rate category at St. Mary’s College of Maryland is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 1.9% |
To give some context for these rates, Stafford loans disbursed at St. Mary’s College of Maryland total $67,021,781.00 over 4,238 disbursements.
Veterans and current servicemembers may be eligible for major federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 42 |
| Avg GI Bill amount | $12,020.00 |
Explore GI Bill and military aid in detail on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing St. Mary’s College of Maryland, think through the questions below:
Dig further into the cost picture with the related pages below:
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.