Cost & financial aid brief
Mount Saint Mary's University Tuition, Costs & Financial Aid
How much does Mount Saint Mary's University cost after financial aid?
Average aid substantially reduces the published price, but net prices across income bands do not form a simple income ladder. Against a cost of attendance of $66,726, the for aid recipients is $21,413, leaving $45,313 in average financial aid savings.
Aid covers about 68% of the published cost for the average aid recipient. The band averages are $23,849 for the lowest-income group, $13,718 for the next-lowest group, $17,876 for the middle group, $30,247 for the next-highest group, and $18,762 for the highest group.
This pattern shows uneven aid targeting across bands rather than a steady income gradient. The large average discount coexists with uneven pricing by family income.
Mount Saint Mary's University has a published cost of attendance of $66,726, with aid-recipient costs varying sharply by family-income band. Average net price is $23,849 for the lowest-income band, $13,718 for the lower-middle band, $17,876 for the middle band, $30,247 for the upper-middle band, and $18,762 for the highest-income band.
The spread between the lowest and highest bands is $5,087, a difference between band averages. Azimuth ranks the university #846 for affordability among nonprofit four-year institutions.
For the average aid recipient, aid covers about 68% of the published cost, offsetting $45,313 from the sticker price on average. The average net price, what aid recipients pay after grants and scholarships, is $21,413 across all aid recipients.
That figure is $934 below the peer median of $22,347 for comparable institutions (same type and size). Published tuition and fees are $49,564, and room and board are listed at $15,518.
The aid offset and lower peer comparison point in the same direction, though family-band averages do not follow a simple income pattern. Federal-loan borrowers who completed leave with median federal student loan debt of $25,949, and 94.0% of federal aid recipients borrow federal loans.
That median is $949 above the $25,000 peer median for comparable institutions (same type and size). That debt corresponds to an estimated payment of $295 a month if repaid over ten years.
Median Parent PLUS borrowing among parent borrowers is $23,250.
Student loans: what does repayment look like?
Federal borrowing is widespread at Mount Saint Mary's University: 94.0% of federal aid recipients take federal loans. Among borrowers who complete, median federal student debt is $25,949.
That median is $949 above the $25,000 median for comparable institutions (same type and size). Parents who borrow through the Parent PLUS program hold a separate median of $23,250.
At Mount Saint Mary's University, earnings sit well above both the peer median and expectation. Four years after completion, federally aided graduates who are working and not enrolled earn a median of $79,546, in the 88th percentile nationally.
That is $23,631 above the $55,915 median for comparable institutions (same type and size). Graduates earn about $30,325 more than the model expects for similar students, a gap that sits in the 99th percentile.
Earnings scenarios, estimated from the university's program mix, show a downside case of $50,354 and an upside case reaching $119,050. Borrowers who complete a degree carry a median of $25,949 in federal student loans, $949 above the $25,000 median for comparable institutions.
If repaid over ten years, that debt corresponds to an estimated monthly payment of $295.
For the separate population of parent borrowers, median Parent PLUS borrowing stands at $23,250. For student borrowers, that debt corresponds to an estimated payment of $295 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
- $23,250
- Estimated parent payment
- $295/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 | 17.4% | High pressure |
| $100,000 | 7.8% | Caution |
| $150,000 | 3.7% | Safe |
| $200,000 | 2.4% | 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
- $25,949
- Institution Parent PLUS debt
- $23,250
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $295/mo
- Estimated Parent PLUS payment · monthly
- $295/mo
- Modeled student + parent payments
- $590/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 $79,546, with a $23,940 annual allowance for basic expenses:
6.4% 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, $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.