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Cost & financial aid brief

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# Saint Joseph's University - Philadelphia Tuition, Costs & Financial Aid

Updated October 1, 2026

[Overview](/school/saint-josephs-university-philadelphia/)Cost & aid[Outcomes](/school/saint-josephs-university-philadelphia/outcomes/)[Admissions](/school/saint-josephs-university-philadelphia/admissions/)[Majors](/school/saint-josephs-university-philadelphia/majors/)[Similar schools](/school/saint-josephs-university-philadelphia/similar/)

**On this page**+

## How much does Saint Joseph's University - Philadelphia cost after financial aid?

The published annual cost at Saint Joseph's University - Philadelphia is $67,954, and aid recipients face an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $29,689, what aid recipients pay after grants and scholarships. Tuition and fees account for $53,260, with room and board listed at $16,240.

Average financial aid offsets $38,265 from the sticker price. At comparable institutions (same type and size), the peer median net price is $27,371, making this university's average $2,318 above that benchmark.

Azimuth ranks Saint Joseph's University - Philadelphia #1,237 for affordability among nonprofit four-year institutions. The above-peer net price and the affordability ranking point in the same direction.

Affordability is the weakest of the four pillars for Saint Joseph's University - Philadelphia, at the 13th percentile among nonprofit four-year institutions. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $29,689, which is $2,318 above the median of $27,371 for comparable institutions (same type and size).

By income band, average net prices run from $22,570 for families earning under $30,000 to $33,222 for those earning over $110,000. Borrowers who finish carry a median of $25,500 in federal student loans, $1,301 above the peer median of $24,199.

Costs after aid are lowest for families with the least income and become higher across the listed bands. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $22,570 for families earning under thirty thousand dollars, $23,022 for families earning thirty thousand and one dollars to forty-eight thousand dollars, $24,297 for families earning forty-eight thousand and one dollars to seventy-five thousand dollars, $28,772 for families earning seventy-five thousand and one dollars to one hundred ten thousand dollars, and $33,222 for families earning over one hundred ten thousand dollars.

Pell Grants reach 19.8% of undergraduates, providing financial-access context for the lowest band. The spread between the lowest and highest bands is $10,652.

Average net price by family income

**$0–30K**
$22,570

**$30–48K**
$23,022

**$48–75K**
$24,297

**$75–110K**
$28,772

**$110K+**
$33,222

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$29,689**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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 price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $42,436.

Earnings at Saint Joseph's University - Philadelphia run well ahead of the peer median, and the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$42,436

**Estimated parent payment**
$539/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## 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

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, $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.

[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=saint-josephs-university-philadelphia#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.