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Cost & financial aid brief

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# Concordia College at Moorhead Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/concordia-college-at-moorhead/)Cost & aid[Outcomes](/school/concordia-college-at-moorhead/outcomes/)[Admissions](/school/concordia-college-at-moorhead/admissions/)[Majors](/school/concordia-college-at-moorhead/majors/)[Similar schools](/school/concordia-college-at-moorhead/similar/)

**On this page**+

## How much does Concordia College at Moorhead cost after financial aid?

Concordia College at Moorhead has a published annual cost of attendance of $45,942, with $31,170 in tuition and fees and $12,530 for room and board. For aid recipients, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $24,902.

Average aid reduces the published cost by $21,040, though a family’s own grant package can differ from that average. The peer median, the middle value for comparable institutions (same type and size), is $22,347, placing this average $2,555 above it.

Azimuth places the university’s affordability pillar in the 25th percentile among nonprofit four-year institutions. The published price, after-aid average, and peer comparison all describe a cost that remains above the comparable-institution norm.

Aid recipients pay $24,902 on average, $2,555 above the median for comparable institutions (same type and size). By income band, the average runs from $20,950 in the lowest band to $28,435 in the highest.

The affordability pillar falls in the 25th percentile among nonprofit four-year institutions. Borrowers who complete a degree hold a median of $26,847 in federal loans, $1,847 above the median for comparable institutions (same type and size).

Pricing is lowest in the second-lowest income band, then becomes higher through the remaining bands. For families earning under thirty thousand dollars, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $20,950; it is $18,889 for families earning thirty thousand one dollars through forty-eight thousand dollars, $20,115 from forty-eight thousand one dollars through seventy-five thousand dollars, $23,045 from seventy-five thousand one dollars through one hundred ten thousand dollars, and $28,435 above that range.

Pell Grants reach 19.1% of undergraduates, giving context for the lowest band. Across the outer bands, the difference in average prices is $7,485.

Average net price by family income

**$0–30K**
$20,950

**$30–48K**
$18,889

**$48–75K**
$20,115

**$75–110K**
$23,045

**$110K+**
$28,435

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$24,902**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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 average net price 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$29,471

**Estimated parent payment**
$374/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 | 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](/financial-gps/?tool=parent&school=concordia-college-at-moorhead#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**
$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

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
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=concordia-college-at-moorhead#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.