Cost & financial aid brief
Saint Xavier University Tuition, Costs & Financial Aid
How much does Saint Xavier University cost after financial aid?
The difference between the published cost and average net price shows a substantial average reduction for aid recipients, but it does not describe any one family’s offer. Aid covers about 75% of the published cost for the average aid recipient.
Across the income bands, average net prices are lowest at the bottom of the family-income range, increase through the middle, and are highest in the upper range. That is a pattern of aid being more concentrated at lower incomes, not a promise of a particular grant amount.
The sticker-to-net gap and the income pattern both show that published charges are not the final price for many aid recipients.
The published cost of attendance at Saint Xavier University is $43,244 (an average across living arrangements). Azimuth ranks the university #237 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 $7,572, for those earning $48,001 to $75,000 it is $9,715, and for those earning over $110,000 it is $17,864. The spread between the lowest and highest bands is $10,292.
Aid covers about 75% of the published cost for the average aid recipient, bringing the average net price across all bands to $10,970. That figure is $16,401 below the median for comparable institutions (same type and size), which is $27,371.
Borrowers who finish carry a median of $22,223 in federal student loans, which is $1,976 below the median for comparable institutions of $24,199. 86.0% of federal aid recipients take federal loans.
Parents who borrow hold a separate median of $20,742 in Parent PLUS loans. If repaid over ten years, the median federal student debt corresponds to an estimated payment of $253 a month.
Student loans: what does repayment look like?
Federal loans are widely used at Saint Xavier University, with 86.0% of federal aid recipients borrowing through the federal program. Among borrowers who complete, median federal student loan debt at completion is $22,223.
The peer median, the middle value for comparable institutions (same type and size), is $24,199, placing the university’s median $1,976 below that figure. Parent PLUS borrowers are a separate parent-borrower population, with median borrowing of $20,742.
Saint Xavier University pairs above-expected earnings with federal debt that falls below the comparable-school benchmark. Among federally aided completers who are working and not enrolled, median earnings are $66,961 four years after completion.
That figure sits in the 70th percentile among nonprofit four-year institutions. Earnings beyond expectations, the gap between what graduates earn and what expects for similar students, are in the 97th percentile among nonprofit four-year institutions.
Graduates earn about $21,550 more than the model expects for similar students. Modeled downside and upside earnings scenarios are $50,015 and $90,769; the typical scenario matches the reported median earnings.
Median federal debt of $22,223 is $1,976 below the $24,199 peer median, the middle value for comparable institutions (same type and size). That debt corresponds to an estimated payment of $253 a month if repaid over ten years. Above-expected earnings and below-peer debt point in the same direction.
For the separate population of Parent PLUS borrowers, median borrowing was $20,742. The median federal debt corresponds to an estimated payment of $253 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
- $20,742
- Estimated parent payment
- $264/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $150,000 | Safe |
| $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
- $22,223
- Institution Parent PLUS debt
- $20,742
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $253/mo
- Estimated Parent PLUS payment · monthly
- $264/mo
- Modeled student + parent payments
- $517/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 $66,961, with a $22,590 annual allowance for basic expenses:
6.8% 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.