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Cost & financial aid brief

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# Point Loma Nazarene University Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/point-loma-nazarene-university/)Cost & aid[Outcomes](/school/point-loma-nazarene-university/outcomes/)[Admissions](/school/point-loma-nazarene-university/admissions/)[Majors](/school/point-loma-nazarene-university/majors/)[Similar schools](/school/point-loma-nazarene-university/similar/)

**On this page**+

## How much does Point Loma Nazarene University cost after financial aid?

Point Loma Nazarene University lists a published cost of attendance of $60,488, with tuition and fees at $46,250 and room and board at $13,650. For the average aid recipient, grants and scholarships reduce that sticker by $21,759, leaving an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $38,729.

That net price is $11,358 above the $27,371 median for comparable institutions (same type and size). Azimuth ranks the university #1,323 for affordability among nonprofit four-year institutions.

Aid covers about 36% of the published cost for the average aid recipient. The spread between the lowest and highest income bands is $10,681.

Affordability is the weakest pillar for Point Loma Nazarene University, at the 6th percentile among nonprofit four-year institutions. Aid recipients pay an average of $38,729, $11,358 above the median for comparable institutions (same type and size).

Completing borrowers hold a median of $22,990 in federal student loans, $1,209 below the median for comparable institutions (same type and size). By family income, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) ranges from $30,999 in the lowest band to $41,680 in the highest. Net prices run high against the peer median, while debt sits lower.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s — the amounts students pay after grants and scholarships — by family-income band show a compressed structure. For families earning under $30,000 the average net price is $30,999; for $30,001–$48,000 it is $32,117; for $48,001–$75,000 it is $32,888; for $75,001–$110,000 it is $33,003; and for families earning over $110,000 it is $41,680.

Pell Grant recipients make up 21.4% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $10,681.

Average net price by family income

**$0–30K**
$30,999

**$30–48K**
$32,117

**$48–75K**
$32,888

**$75–110K**
$33,003

**$110K+**
$41,680

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$38,729**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/), 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $38,376. The estimated monthly student payment if repaid over ten years is $261.

[Repayment figures](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$38,376

**Estimated parent payment**
$488/mo

Modeled Parent PLUS pressure by income

| 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](/financial-gps/?tool=parent&school=point-loma-nazarene-university#parent-tool). [Read the assumptions and limits](#cost-data-notes).

## 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

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, $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.

[Read the framework and its limits](/analysis/financial-gps-framework/).

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](/financial-gps/?tool=student&school=point-loma-nazarene-university#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), 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](/about/).

**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](https://collegescorecard.ed.gov/data/).

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.