Cost & financial aid brief
Point Loma Nazarene University Tuition, Costs & Financial Aid
How much does Point Loma Nazarene University cost after financial aid?
Aid covers about 36% of the published cost for the average aid recipient, an offset of $21,759 against the sticker price. Across income bands, the average net price starts at $30,999 for families earning under $30,000, moves to $32,117 for the $30,001–$48,000 band, $32,888 for $48,001–$75,000, $33,003 for $75,001–$110,000, and reaches $41,680 for families earning over $110,000.
The spread between the lowest and highest bands is $10,681, a difference of averages that shows aid is concentrated on families with lower incomes.
The published cost of attendance at Point Loma Nazarene University is $60,488. Azimuth ranks the university #1,323 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $30,999, for those earning $48,001 to $75,000 it is $32,888, and for those earning over $110,000 it is $41,680. The spread between the lowest and highest bands is $10,681.
Aid covers about 36% of the published cost for the average aid recipient, bringing the average net price across all bands to $38,729. That figure is $11,358 above the $27,371 median for comparable institutions (same type and size).
Borrowers who finish carry a median of $22,990 in federal student loans, $1,209 below the peer median of $24,199. 90.9% of federal aid recipients take federal loans.
Parents who borrow hold a separate median of $38,376 in Parent PLUS loans. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $261 a month.
Student loans: what does repayment look like?
Among completers who used federal loans at Point Loma Nazarene University, the median debt at completion is $22,990. Federal loans reach 90.9% of federal aid recipients here.
The university's median sits below the peer median of $24,199 at comparable institutions (same type and size) by $1,209. Parents who borrow through Parent PLUS, a separate population from student borrowers, carry a median debt of $38,376.
Graduates of Point Loma Nazarene University earn about $7,113 more than expects for similar students, an outcome in the 77th percentile among nonprofit four-year institutions. The median earnings four years after completion are $72,880, in the 80th percentile nationally, which is $4,630 above the $68,250 median for comparable institutions (same type and size).
Earnings scenarios, estimated from the university's program mix, stretch from $46,400 in a downside case to $104,672 in an upside case, with a typical outcome of $72,880. On the borrowing side, the median federal student debt at completion is $22,990, which is $1,209 below the peer median of $24,199.
That debt corresponds to an estimated payment of $261 a month if repaid over ten years.
Median Parent PLUS borrowing, a separate parent-borrower population, is $38,376. The estimated monthly student payment if repaid over ten years is $261.
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
- $38,376
- Estimated parent payment
- $488/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 | 28.7% | High pressure |
| $100,000 | 12.9% | High pressure |
| $150,000 | 6.1% | Caution |
| $200,000 | 4.0% | 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
- $22,990
- Institution Parent PLUS debt
- $38,376
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $261/mo
- Estimated Parent PLUS payment · monthly
- $488/mo
- Modeled student + parent payments
- $749/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 $72,880, 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.