Cost & financial aid brief
Concordia College at Moorhead Tuition, Costs & Financial Aid
How much does Concordia College at Moorhead cost after financial aid?
At Concordia College at Moorhead, aid covers about 46% of the published cost for the average aid recipient. That is an average, not a promise for any particular family.
The gap between the sticker price and the after-aid average describes an overall discount, while the income-band results show that discount does not follow a simple income sequence. The next-lowest income band has the lowest average net price, and costs then increase through the middle, upper-middle, and highest bands.
The lowest income band sits above the next-lowest band. This pattern points to aid being targeted differently across income groups rather than indicating what any particular family will receive.
The published cost of attendance is $45,942, so aid makes a material difference to the price families face at Concordia College at Moorhead. Average net price, what aid recipients pay after grants and scholarships, is $20,950 for families earning under thirty thousand dollars; $18,889 for families earning thirty thousand one dollars to forty-eight thousand dollars; $20,115 for families earning forty-eight thousand one dollars to seventy-five thousand dollars; $23,045 for families earning seventy-five thousand one dollars to one hundred ten thousand dollars; and $28,435 for families earning over one hundred ten thousand dollars.
The spread between the lowest and highest bands is $7,485. Azimuth ranks Concordia College at Moorhead #1,061 for affordability among nonprofit four-year institutions.
For the average aid recipient, aid covers about 46% of the published cost, reducing the sticker price by $21,040. Across all aid recipients, the is $24,902, and published tuition and fees are $31,170.
The peer median, the middle value for comparable institutions (same type and size), is $22,347; the university's average net price is $2,555 above that figure. Aid offsets much of the published cost, though the overall average remains above the comparable-institution median.
Among federal student loan borrowers who completed, median debt at completion is $26,847, and 97.7% of federal aid recipients borrow federal loans. The comparable-institution median federal debt is $25,000, with the university's figure $1,847 above it.
That debt corresponds to an estimated payment of $305 a month if repaid over ten years. Median Parent PLUS borrowing is $29,471.
Student loans: what does repayment look like?
Debt at Concordia College at Moorhead is slightly higher than the comparable-institution benchmark, and federal borrowing is widespread among undergraduates. Among federal-loan borrowers who complete, median federal student loan debt is $26,847.
The peer median, the middle value for comparable institutions (same type and size), is $25,000, leaving Concordia's median $1,847 above it. For the separate parent-borrower population, median Parent PLUS borrowing is $29,471.
Four years after completing a degree, federally aided graduates of Concordia College at Moorhead who are working and not enrolled earn a median of $56,802, at the 38th percentile nationally. That is $887 above the $55,915 median for comparable institutions (same type and size).
The earnings picture shifts when measured against expectations. Graduates earn about $15,999 less than expects for similar students, placing the gap at the 7th percentile nationally.
Earnings scenarios, estimated from the program mix, range from $45,949 in a downside case to $80,580 in an upside case, with a typical scenario of $56,802. On the borrowing side, completers who borrowed carry a median of $26,847 in federal student loans, which is $1,847 above the peer median.
That debt corresponds to an estimated payment of $305 a month if repaid over ten years.
For the separate population of parent borrowers, median Parent PLUS borrowing at Concordia College at Moorhead is $29,471. For borrowers with median federal student debt, that debt corresponds to an estimated payment of $305 a month if repaid over ten years.
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
- $29,471
- Estimated parent payment
- $374/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 22.1% | High pressure |
| $100,000 | 9.9% | Caution |
| $150,000 | 4.7% | Safe |
| $200,000 | 3.1% | 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. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $26,847
- Institution Parent PLUS debt
- $29,471
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $305/mo
- Estimated Parent PLUS payment · monthly
- $374/mo
- Modeled student + parent payments
- $679/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 $56,802, with a $23,940 annual allowance for basic expenses:
11.1% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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, $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.
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.