by our College Data Analytics TeamBelow is the data on what it actually costs to attend University of St Thomas, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
If you want to dig into a particular figure, jump to any section below:
The cost of attendance at University of St Thomas is about $64,684.00 per year.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $54,398.00 |
| + Room, board & other expenses | $10,286.00 |
| Total cost | $64,684.00 |
| That is 97% above the national average net price. |
| Total cost | $64,684.00 |
| − Grants and scholarships | −$36,961.00 |
| Net price | $27,723.00 |
| That is 15% below the national average net price. |
| Total cost | $64,684.00 |
| − Grants and scholarships | −$37,985.00 |
| Net price | $26,699.00 |
| That is 19% below the national average net price. | |
| Want the line-by-line detail? Dig into the tuition & fees page plus living costs. |
The reported cost series has been increasing by roughly 4.0% per year, so the four-year total runs well above today’s cost. The projections below run a full degree for a low-income aided student, an average-aid student, and the full sticker price. 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 | 4.0% | 4.0% | 4.0% |
| Freshman year | $27,773.00 | $28,838.00 | $67,286.00 |
| Senior year | $31,261.00 | $32,460.00 | $75,735.00 |
| Total 4-year net price | $117,975.00 | $122,500.00 | $285,820.00 |
| 10-year loan interest @ 6.8% | $44,944.00 | $46,668.00 | $108,887.00 |
| Total monthly payment | $1,358.00 | $1,410.00 | $3,289.00 |
| Total amount paid | $162,920.00 | $169,168.00 | $394,707.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.0% | 4.0% | 4.0% |
| Freshman year | $27,773.00 | $28,838.00 | $67,286.00 |
| Senior year | $28,890.00 | $29,998.00 | $69,992.00 |
| Total 2-year net price | $56,663.00 | $58,836.00 | $137,278.00 |
| 10-year loan interest @ 6.8% | $21,586.00 | $22,414.00 | $52,298.00 |
| Total monthly payment | $652.00 | $677.00 | $1,580.00 |
| Total amount paid | $78,249.00 | $81,250.00 | $189,575.00 |
Jump to the net-price detail in the net price section below.
The net price figure shows the cost after grants and scholarships are deducted. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $29,155.00 |
| Average net price (off-campus) | $30,525.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The figures below give average net price by income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $26,922.00 |
| $30,000 to $48,000 | $27,049.00 |
| $48,001 to $75,000 | $26,471.00 |
| $75,001 to $110,000 | $29,807.00 |
| Over $110,000 | $34,192.00 |
For a personalized estimate, try the University of St Thomas Net Price Calculator, or contact the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
The median amount borrowed by graduates of University of St Thomas works out to $19,500.00, which the Department of Education classifies as a Low ($10-20k) burden tier.
The percentile breakdown reveals the full debt landscape:
| Percentile | Debt at graduation |
|---|---|
| 10th | $5,500.00 |
| 25th | $11,000.00 |
| Median (50th) | $19,500.00 |
| 75th | $27,000.00 |
| 90th | $31,000.00 |
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 | $18,000.00 |
| Middle income | $20,500.00 |
| High income | $19,500.00 |
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $19,500.00 |
| Continuing-generation students | $19,500.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. Looking at Pell recipients versus non-recipients tells us how debt is distributed across need.
The Pell vs non-Pell debt gap at University of St Thomas amounts to $1,500.00. This institution is flagged by federal data for Pell-debt inequity.
The federal default-rate classification for University of St Thomas is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 3.6% |
To put the rates in context, Stafford loans at University of St Thomas come to $685,994,046.00 over 25,369 recipients.
Veterans and current servicemembers may be eligible for major federal education benefits such as the Post-9/11 GI Bill and DoD Tuition Assistance.
| GI Bill recipients | 118 |
| Avg GI Bill amount | $18,892.00 |
| DoD Tuition Assistance recipients | 30 |
| Avg DoD Tuition Assistance | $2,961.00 |
Read more about military and veteran aid on the veteran aid breakdown.
The data above is a foundation; round it out by asking yourself about University of St Thomas, consider the following:
Explore the related pages below for a deeper look at the cost picture:
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.