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Cost & financial aid brief

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# Azusa Pacific University Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/azusa-pacific-university/)Cost & aid[Outcomes](/school/azusa-pacific-university/outcomes/)[Admissions](/school/azusa-pacific-university/admissions/)[Majors](/school/azusa-pacific-university/majors/)[Similar schools](/school/azusa-pacific-university/similar/)

**On this page**+

## How much does Azusa Pacific University cost after financial aid?

The published cost of attendance at Azusa Pacific University is $56,313, which includes $44,458 in tuition and fees and $10,704 for room and board. For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—what families pay after grants and scholarships—drops to $22,212, a reduction of $34,101 from the sticker total.

That figure is below the peer median of $27,371 for comparable institutions (same type and size) by $5,159. Azimuth ranks the university #791 for affordability among nonprofit four-year institutions.

Azimuth ranks Azusa Pacific University at the 44th percentile for affordability among nonprofit four-year institutions. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—what aid recipients pay after grants and scholarships—is $22,212, which is $5,159 below the $27,371 median for comparable institutions (same type and size).

Average net prices by income band run from $15,781 for families earning under $30,000 to $27,193 for those earning over $110,000, a spread of $11,412. Borrowers who complete a degree leave with a median of $23,219 in federal student loans, $980 below the peer median of $24,199.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band show a progressive structure. For families earning under $30,000 the average net price is $15,781; for $30,001–$48,000 it is $20,495; for $48,001–$75,000 it is $22,998; and for families earning over $110,000 it is $27,193.

Pell Grant recipients make up 35.1% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $11,412.

Average net price by family income

**$0–30K**
$15,781

**$30–48K**
$20,495

**$48–75K**
$22,998

**$75–110K**
Not reported

**$110K+**
$27,193

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$22,212**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), $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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)—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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) loans represent a separate parent-borrower population, with a median of $26,000.

Graduates of Azusa Pacific University earn about $12,116 more than the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) loans, a separate borrowing population from students. The estimated monthly student payment if repaid over ten years is $264.

[Repayment figures](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$26,000

**Estimated parent payment**
$330/mo

Modeled Parent PLUS pressure by income

| Household income | Share of income above basic expenses | Risk level |
| --- | --- | --- |
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 19.5% | High pressure |
| $100,000 | 8.7% | Caution |
| $150,000 | 4.2% | Safe |
| $200,000 | 2.7% | Safe |

The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. [Open the parent tool for your own numbers](/financial-gps/?tool=parent&school=azusa-pacific-university#parent-tool). [Read the assumptions and limits](#cost-data-notes).

## 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 $23,940 annual allowance for basic expenses:

**6.6%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
3.  Concerning 12–20%
4.  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, $23,940, uses the published framework’s 2026 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.

[Read the framework and its limits](/analysis/financial-gps-framework/).

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.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=azusa-pacific-university#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), 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](/about/).

**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](https://collegescorecard.ed.gov/data/).

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.