by our College Data Analytics TeamMost students will not be asked to pay the advertised price of a school. Instead, they will be provided a financial aid package that will include a combination of scholarships, grants, loans, and work-study. The total price of attendance at University of St Thomas can feel overpowering, but remember that the majority of students receive some sort of financial assistance.
What financial assistance options will UST offer you, and what will you qualify for? Read on for more information. Read on to find out just how much financial aid will be open to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. Continue reading to find information to help you understand just how much assistance you can expect to receive from University of St Thomas.
Aid such as grants, loans, work-study, and scholarships helps colleges decrease the real cost of attendance for most students. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
At University of St Thomas, 94% of first-time, full-time freshmen received some form of financial aid approximately 626 new students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 93% | $24,902 |
| Institutional grants & scholarships | 89% | $18,834 |
| Federal Pell grants | 58% | $6,178 |
| State/local grants | 60% | $4,022 |
| Federal student loans | 30% | $4,992 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. At this school, some 74% of undergraduates were awarded an average grant or scholarship of $22,383 (among about 2194 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 74% | $22,383 |
| Federal Pell grants | 42% | $5,878 |
| Federal student loans | 35% | $6,956 |
Title-IV recipients living on campus saw average grant aid of $26,313.
Need-based aid means lower-income families typically pay far less than the sticker price suggests.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $17,697 |
| $30,001 – $75,000 | $17,054 |
| Over $75,000 | $23,873 |
The numbers above are post-aid net prices, so they already account for grants and scholarships.
The net price represents the average annual cost a title-IV-receiving student pays after grant aid is subtracted from the full cost of attendance.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $19,359 |
| Off-campus title-IV students | $18,762 |
For a personalized estimate based on your family’s financial situation, use UST’s net price calculator: tcc.ruffalonl.com/UniversityofStThomas/freshmanstudents?Aquifer_Source_URL=/FreshmanCalculator&PNF_Check=1.
Graduating students at UST carry a median federal student debt of $12,548 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $12,548 |
| Median federal debt (graduates only) | $19,928 |
| Typical 10-year monthly payment (graduates) | $211.27/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
The median alone does not show how widely outcomes vary across the student body. The four reference points below map the debt distribution at UST.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $6,725 |
| 75th percentile | $26,500 |
| 90th percentile (highest-debt students) | $37,500 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,500 |
| Middle income | $14,255 |
| High income | $12,000 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $13,000 |
| Continuing-generation students | $12,473 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $12,473 |
| Independent students | $15,264 |
The figure below distills the debt data into a single burden category for UST.
The Stafford loan program is the largest source of federal direct loans to undergraduates. The totals below capture Stafford lending at UST:
| Metric | Value |
|---|---|
| Stafford loan recipients | 10411 |
| Total Stafford loan amount | $302,821,951 |
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 | 64 |
| Total GI Bill amount | $1,141,465 |
| Average GI Bill amount per recipient | $17,835 |
DoD Tuition Assistance activity
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 0 |
| Total DoD amount | $0 |
References
More about our data sources and methodologies.