Cost & financial aid brief

Mercy University Tuition, Costs & Financial Aid

Updated

How much does Mercy University cost after financial aid?

At Mercy University, the average net price is $14,072 for aid recipients, meaning what they pay after grants and scholarships rather than the full published charge. That average points to a substantial difference between listed charges and the cost facing the typical aid recipient.

The published cost of attendance is $32,596, an average across living arrangements. Published tuition and fees are $22,880, and room and board are $15,250.

These are published charges before grants and scholarships. Financial aid lowers the published price by $18,524 on average for aid recipients.

At comparable institutions (same type and size), the peer median net price is $27,371; the university’s average is below that figure by $13,299. Azimuth places its affordability in the 80th percentile among nonprofit four-year institutions.

A lower-than-peer net price and a strong affordability placement point in the same direction.

Mercy University's average net price is $14,072, which is $13,299 below the median for comparable institutions (same type and size). Aid recipients in the lowest income band average $11,974, and those in the highest band average $21,299.

Borrowers who finish hold a median federal debt of $19,637, $4,562 below the peer median of $24,199. The affordability pillar is in the 80th percentile among nonprofit four-year institutions. Both the net price and federal debt sit below their peer medians.

The income schedule starts with lower average costs for families with less income and steps upward across the remaining bands. Families earning under $30,000 have an average net price of $11,974, and those earning $30,001–$48,000 average $12,598.

For families earning $48,001–$75,000, the average is $15,056; it is $17,725 for $75,001–$110,000 and $21,299 above $110,000. Pell Grants reach 50.0% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $9,325.

Average net price by family income
$0–30K
$11,974
$30–48K
$12,598
$48–75K
$15,056
$75–110K
$17,725
$110K+
$21,299

Averages within each income band; individual aid packages vary.

Overall average annual net price: $14,072. After grants and scholarships, including living costs. Source and coverage.

At Mercy University, aid covers about 57% of the published cost for the average aid recipient, a reduction of $18,524 from the sticker price. That is an average, not a guarantee, and the size of the discount shifts across family incomes.

Average net prices—what aid recipients pay after grants and scholarships—range from $11,974 in the lowest income band to $21,299 in the highest, a spread of $9,325 between the two ends. The bands in between sit at $12,598, $15,056, and $17,725, a pattern where costs increase with income.

A student whose family earns under $30,000 faces an that is less than half the published cost of attendance. A family in the top band pays about two-thirds of the sticker—still a substantial discount, but one that leaves a larger remaining bill.

The published cost of attendance at Mercy University is $32,596 (an average across living arrangements). Azimuth ranks the university #286 for affordability among nonprofit four-year institutions.

The average net price, what aid recipients pay after grants and scholarships, is $11,974 in the lowest family-income band, $15,056 in the middle band, and $21,299 in the highest band. The spread between the lowest and highest bands is $9,325.

Tuition and fees are $22,880. Aid lowers the published cost by $18,524 for the average aid recipient, bringing the average net price for all aid recipients to $14,072.

That figure is $13,299 below the peer median of $27,371 for comparable institutions (same type and size). Borrowers who finish carry a median of $19,637 in federal student loans, $4,562 below the peer median of $24,199.

About 78.5% of federal aid recipients take federal loans. Parents who borrow hold a separate median of $20,710 in Parent PLUS loans.

If repaid over ten years, the median federal student debt corresponds to an estimated payment of $223 a month.

Student loans: what does repayment look like?

Federal borrowing is common at Mercy University, where 78.5% of federal aid recipients take federal loans. That makes the debt figures relevant to many students considering the published price.

Among federal-loan borrowers who complete, median federal student loan debt at completion is $19,637. Comparable institutions (same type and size) have a peer median federal debt of $24,199, with Mercy's median $4,562 below that figure.

For the separate parent-borrower population, median Parent PLUS borrowing is $20,710. The lower median relative to peers sits alongside widespread federal borrowing among undergraduates.

Mercy University shows lower borrowing than comparable institutions alongside a favorable modeled earnings measure. Federally aided completers who are working and not enrolled earn a median of $62,616 four years after completion.

Azimuth places that earnings measure in the 59th percentile among nonprofit four-year institutions. Earnings beyond expectations, the gap between what graduates earn and what expects for similar students, sits in the 76th percentile among nonprofit four-year institutions.

Graduates earn about $6,757 more than the model expects for similar students. The downside earnings scenario is $50,805, and the upside scenario is $115,813; the typical scenario matches the observed median.

Median federal student debt is $19,637, $4,562 below the peer median of $24,199 at comparable institutions (same type and size). That debt corresponds to an estimated payment of $223 a month if repaid over ten years. Above-expected earnings and lower debt point in the same direction.

Among the separate population of Parent PLUS borrowers, median borrowing is $20,710. For borrowers with median federal student debt, that debt corresponds to an estimated payment of $223 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
$20,710
Estimated parent payment
$263/mo
Modeled Parent PLUS pressure by income
IncomeRisk level
$35,000High pressure
$50,000High pressure
$75,000High pressure
$100,000Caution
$150,000Safe
$200,000Safe

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
$19,637
Institution Parent PLUS debt
$20,710

Federal loans only; private or institutional loans aren’t included.

Estimated student payment · monthly
$223/mo
Estimated Parent PLUS payment · monthly
$263/mo
Modeled student + parent payments
$486/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 $62,616, with a $22,590 annual allowance for basic expenses:

6.7% 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, $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.

Read the framework and its limits.

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

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.