by our College Data Analytics TeamThis guide covers the real cost of attending University of St Thomas, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
Use the section links below to navigate this overview:
The total published cost of attendance at University of St Thomas amounts to about $44,151.00 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 | $34,634.00 |
| + Room, board & other expenses | $9,517.00 |
| Total cost | $44,151.00 |
| That is 35% above the national average net price. |
| Total cost | $44,151.00 |
| − Grants and scholarships | −$26,313.00 |
| Net price | $17,838.00 |
| That is 46% below the national average net price. |
| Total cost | $44,151.00 |
| − Grants and scholarships | −$27,231.00 |
| Net price | $16,920.00 |
| That is 48% below the national average net price. | |
| For the full breakdown, see the tuition & fees page plus room and board. |
Costs have trended upward in recent years by roughly 3.1% annually, so the projections below total more than one year of attendance. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.1% | 3.1% | 3.1% |
| Freshman year | $17,453.00 | $18,399.00 | $45,541.00 |
| Senior year | $19,153.00 | $20,192.00 | $49,977.00 |
| Total 4-year net price | $73,175.00 | $77,145.00 | $190,944.00 |
| 10-year loan interest @ 6.8% | $27,877.00 | $29,390.00 | $72,743.00 |
| Total monthly payment | $842.00 | $888.00 | $2,197.00 |
| Total amount paid | $101,052.00 | $106,535.00 | $263,686.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 3.1% | 3.1% | 3.1% |
| Freshman year | $17,453.00 | $18,399.00 | $45,541.00 |
| Senior year | $18,002.00 | $18,978.00 | $46,974.00 |
| Total 2-year net price | $35,454.00 | $37,378.00 | $92,514.00 |
| 10-year loan interest @ 6.8% | $13,507.00 | $14,240.00 | $35,245.00 |
| Total monthly payment | $408.00 | $430.00 | $1,065.00 |
| Total amount paid | $48,961.00 | $51,617.00 | $127,759.00 |
Jump to the net-price detail 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) | $19,359.00 |
| Average net price (off-campus) | $18,762.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $17,830.00 |
| $30,000 to $48,000 | $17,460.00 |
| $48,001 to $75,000 | $16,635.00 |
| $75,001 to $110,000 | $19,337.00 |
| Over $110,000 | $26,466.00 |
Get a tailored estimate from the University of St Thomas Net Price Calculator, or reach out to the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
Typical debt at graduation from University of St Thomas is $12,548.00, which federal data classifies as a Low ($10-20k) debt-burden category.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $6,725.00 |
| Median (50th) | $12,548.00 |
| 75th | $26,500.00 |
| 90th | $37,500.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Dig deeper into debt on the student loan debt page.
Family income tracks closely with debt at graduation. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,500.00 |
| Middle income | $14,255.00 |
| High income | $12,000.00 |
Borrowers from lower-income families leave school with $500.00 more debt than their high-income peers.
First-generation students frequently graduate with different debt than continuing-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $13,000.00 |
| Continuing-generation students | $12,473.00 |
First-gen students at University of St Thomas hold $527.00 more than continuing-generation graduates.
The Pell Grant is the largest federal grant for undergraduates from low-income families. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The Pell-versus-non-Pell median debt difference at University of St Thomas is $5,000.00. This school is flagged by the Department of Education for Pell-related debt inequity.
The federal default-rate classification for University of St Thomas is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.0% |
To put the rates in context, Stafford loans at University of St Thomas reach $302,821,951.00 spread across 10,411 borrowers.
Veterans and active-duty service members may qualify for substantial federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 64 |
| Avg GI Bill amount | $17,835.00 |
Dig into veteran education benefits on the college veterans page.
The data above is a foundation; round it out by asking yourself about University of St Thomas, keep these questions in mind:
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.