Cost & financial aid brief
Mercy University Tuition, Costs & Financial Aid
How much does Mercy University cost after financial aid?
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
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $150,000 | Safe |
| $200,000 | Safe |
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
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- 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, $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.
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.