Cost & financial aid brief
Saint Joseph's University - Philadelphia Tuition, Costs & Financial Aid
How much does Saint Joseph's University - Philadelphia cost after financial aid?
For the average aid recipient, grants and scholarships reduce the published price substantially, though the remaining cost differs by family income. Aid covers about 56% of the published cost for the average aid recipient.
That is an average across aid recipients, not a promise for a particular family. Across the listed income bands, lower-income families have lower average net prices than upper-income families.
Prices change modestly through the lower and middle bands, then become higher in the upper bands. The pattern shows aid reaching further at lower incomes, alongside a remaining cost that varies across family circumstances.
The sticker price at Saint Joseph's University - Philadelphia is $67,954 (an average across living arrangements), but what aid recipients actually pay depends heavily on family income. For families earning under $30,000, average net price is $22,570; for the $30,001-$48,000 band, $23,022; for the $48,001-$75,000 band, $24,297; for the $75,001-$110,000 band, $28,772; and for those over $110,000, $33,222.
The distance from the lowest to the highest band is $10,652. Azimuth places the university at #1,237 for affordability among nonprofit four-year institutions.
Grants and scholarships cut the published price by more than half for a typical aid recipient, but the remaining cost still runs above the peer median. Aid covers about 56% of the published cost, or $38,265 in average savings.
The average net price across all aid recipients totals $29,689, $2,318 above the peer median of $27,371 for comparable institutions (same type and size). Published tuition and fees are $53,260, with room and board at $16,240.
The deep aid discount and above-peer residual cost send mixed signals. Borrowing is common, and completed borrowers leave with slightly more debt than the peer median.
96.2% of federal aid recipients take federal loans. Among borrowers who completed, median federal student loan debt is $25,500, $1,301 above the peer median of $24,199 for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $290 a month if repaid over ten years. Median Parent PLUS borrowing for parent borrowers is $42,436.
Student loans: what does repayment look like?
Federal borrowing is widespread at Saint Joseph's University - Philadelphia, where 96.2% of federal aid recipients take federal loans. Among borrowers who completed, median federal student loan debt is $25,500.
The peer median, the middle value for comparable institutions (same type and size), is $24,199, leaving the university $1,301 above it. For the separate parent-borrower population, median Parent PLUS borrowing is $42,436.
Earnings at Saint Joseph's University - Philadelphia run well ahead of the peer median, and says graduates out-earn what it expects for similar students. The return pillar sits at the 91st percentile among nonprofit four-year institutions.
Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $84,010. That is $15,760 above the $68,250 median for comparable institutions (same type and size).
Graduates earn about $3,501 more than the model expects for similar students. Earnings scenarios estimated from the program mix stretch from $60,038 in a downside case to $103,667 in an upside case, with $84,010 as the typical outcome.
Borrowers who finish carry a median of $25,500 in federal student loans, $1,301 above the peer median of $24,199. That debt corresponds to an estimated payment of $290 a month if repaid over ten years.
For the separate parent-borrower population, median Parent PLUS borrowing is $42,436. For student borrowers, that debt corresponds to an estimated payment of $290 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
- $42,436
- Estimated parent payment
- $539/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Caution |
| $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
- $25,500
- Institution Parent PLUS debt
- $42,436
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $290/mo
- Estimated Parent PLUS payment · monthly
- $539/mo
- Modeled student + parent payments
- $829/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 $84,010, with a $22,590 annual allowance for basic expenses:
5.7% 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.