Cost & financial aid brief
Azusa Pacific University Tuition, Costs & Financial Aid
How much does Azusa Pacific University cost after financial aid?
The sticker-to-net gap of $34,101 means aid covers about 61% of the published cost for the average aid recipient. That average net price, $22,212, shifts considerably across income bands.
Families earning under $30,000 see an average net price of $15,781, while the $30,001–$48,000 band averages $20,495, the $48,001–$75,000 band $22,998, and families earning over $110,000 average $27,193. The spread between the lowest and highest bands is $11,412, a pattern that coincides with the largest discounts flowing to the lowest-income families.
Azusa Pacific University publishes a cost of attendance of $56,313, with tuition and fees at $44,458 and room and board at $10,704. For aid recipients, the average net price—what families pay after grants and scholarships—varies by income.
Families earning under $30,000 face an average net price of $15,781, while those in the $48,001–$75,000 band see $22,998, and families earning over $110,000 see $27,193. The spread between the lowest and highest bands is $11,412.
Azimuth ranks the university #791 for affordability among nonprofit four-year institutions. Aid covers about 61% of the published cost for the average aid recipient, a savings of $34,101 against the sticker price.
The average net price across all aid recipients is $22,212, which sits below the peer median of $27,371 for comparable institutions (same type and size) by $5,159. Among federal-loan borrowers who completed, the median federal student debt is $23,219.
That median is below the peer median of $24,199 for comparable institutions by $980, and 93.5% of federal aid recipients borrow federal loans. For a graduate at the median four-year earnings of $71,925, that debt corresponds to an estimated payment of $264 a month if repaid over ten years.
The median Parent PLUS borrowing is $26,000.
Student loans: what does repayment look like?
Graduates of Azusa Pacific University who take federal loans finish with a median federal debt of $23,219. With 93.5% of federal aid recipients taking federal loans, borrowing is widespread.
Relative to comparable institutions (same type and size), where the peer median is $24,199, the university's median sits below by $980. Widespread borrowing here coincides with a median that is lower than the peer figure.
Parent PLUS loans represent a separate parent-borrower population, with a median of $26,000.
Graduates of Azusa Pacific University earn about $12,116 more than expects for similar students, an outcome in the 87th percentile among nonprofit four-year institutions. The median earnings four years after completion are $71,925, which places the university in the 79th percentile nationally.
Earnings scenarios derived from the program mix show a typical earnings level of $71,925, with a downside scenario of $49,098 and an upside scenario of $118,549. Borrowers finish with a median federal debt of $23,219, which is below the $24,199 median for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $264 a month if repaid over ten years. Above-expected earnings combined with debt that runs below the peer median point in the same direction for graduates.
Parent borrowers at Azusa Pacific University took on a median of $26,000 in federal Parent PLUS loans, a separate borrowing population from students. The estimated monthly student payment if repaid over ten years is $264.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $26,000
- Estimated parent payment
- $330/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $23,219
- Institution Parent PLUS debt
- $26,000
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $264/mo
- Estimated Parent PLUS payment · monthly
- $330/mo
- Modeled student + parent payments
- $594/mo
Payments use school-wide median balances, not a specific major’s.
Student payment as a share of available income
At median graduate earnings of $71,925, with a $22,590 annual allowance for basic expenses:
6.4% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- High risk Over 20%
How this estimate works
These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $22,590, uses the published framework’s 2024 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.
Payment assumptions
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, founder of College Azimuth.
Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.
Figure notes link to sources and limitations. About College Azimuth.
Net price and borrowing. The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. College Scorecard data and documentation.
A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.