Concordia University-Saint Paul maintains a published cost of attendance of $34,495, including $25,000 in tuition, $10,800 for room and board, and $3,000 for books and supplies. However, financial aid significantly reduces the actual cost for most families, with average savings of $16,929 bringing the average net price to $17,566.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $37,239 |
| Tuition and Fees | $25,600 |
| Room and Board | $13,932 |
| Books and Supplies | $3,000 |
| Average Financial Aid (Grants and Scholarships) | -$18,777 |
| Average Net Price (What Families Pay) | $18,462 |
| Family Income | Net Price |
|---|---|
| $0–30k | $16,406 |
| $30–48k | $16,794 |
| $48–75k | $16,826 |
| $75–110k | $19,135 |
| $110k+ | $23,295 |
Concordia University-Saint Paul maintains a published cost of attendance of $34,495, including $25,000 in tuition, $10,800 for room and board, and $3,000 for books and supplies. However, financial aid significantly reduces the actual cost for most families, with average savings of $16,929 bringing the average net price to $17,566. This net price represents a substantial 49% discount from the sticker price, indicating robust financial aid availability.
Compared to peer institutions with a median net price of $27,143, Concordia delivers $9,577 in additional savings, making it significantly more affordable than similar private nonprofit universities. The university's below-peer pricing extends across all income levels, with net prices ranging from $15,356 for the lowest-income families to $22,335 for those earning over $110,000 annually. This pricing structure reflects the institution's commitment to accessibility and aligns with its role in serving 34.0% Pell-eligible students and substantial populations of first-generation and transfer students.
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
Student debt outcomes at Concordia University-Saint Paul compare favorably to peer institutions and national averages. Median debt levels reach $17,832, which falls $6,349 below the peer median of $24,181, representing a 26% reduction compared to similar institutions.
Debt ranges from $6,965 at the 25th percentile to $25,000 at the 75th percentile, indicating that most students graduate with manageable debt loads well below national averages. The university ranks at the 80th percentile for favorable debt outcomes, reflecting strong debt management among graduates.
The debt-to-earnings ratio of 0.30 indicates that graduates' debt represents 30% of their first-year post-graduation earnings, a sustainable level that supports long-term financial stability. Parent PLUS loans carry a median debt of $15,000 with monthly payments of $198, providing an alternative for families seeking additional education financing.
How cost compares to graduate earnings and value added.
The educational investment at Concordia University-Saint Paul delivers strong returns through a combination of controlled costs and above-expectation earnings outcomes. Graduates earn $15,669 beyond predictions based on their demographics and institutional characteristics, ranking in the 91.6th percentile nationally for this measure of top-tier performance.
With median earnings of $59,871 and debt of $17,832, graduates achieve a favorable debt-to-earnings ratio of 0.30, indicating that debt represents a manageable portion of post-graduation income. The university's peer comparisons reinforce this value proposition: graduates earn comparable amounts ($3,195 less than peer median) while borrowing $6,349 less than typical peer institutions.
At a net price that averages $9,577 below peer institutions, Concordia provides superior affordability without sacrificing career outcomes. The return on investment percentile of 83% places the university well above average for educational value, driven by the combination of strong earnings uplift and controlled costs.
Concordia University-Saint Paul's financial aid approach prioritizes access for lower-income and first-generation students who comprise significant portions of the student body. With 34.0% of students receiving Pell grants, the university serves a substantial population of families with household incomes typically below $50,000.
The $16,929 average financial aid savings reduces costs by nearly half for the typical student, indicating comprehensive aid packaging that combines federal, state, and institutional resources. The relatively small variation in net prices across lower-income tiers ($15,356 to $15,449) suggests that need-based aid effectively equalizes costs for families most requiring assistance.
This aid concentration aligns with the university's mission to serve underrepresented populations and explains how Concordia maintains accessibility despite its private nonprofit status. The financial aid structure supports the institution's role as an Opportunity Builder, ensuring that students from diverse economic backgrounds can access its programs and achieve the strong post-graduation outcomes that characterize the university's value proposition.
