Cost & financial aid brief
Southern Nazarene University Tuition, Costs & Financial Aid
How much does Southern Nazarene University cost after financial aid?
The average aid recipient at Southern Nazarene University sees about 52% of the published cost covered by grants and scholarships, a reduction of $24,381 from the sticker price. That average masks a fairly compressed range across income bands.
Families earning under $30,000 average $18,931, while those earning over $110,000 average $27,434 — a spread of $8,503 between the two ends. The middle bands sit close together: $18,323 for the $30,001–$48,000 band, $22,590 for $48,001–$75,000, and $27,082 for $75,001–$110,000.
The pricing structure is relatively flat; net costs stay within a narrow band across most aided families.
The published cost of attendance at Southern Nazarene University is $46,465. Azimuth ranks the university #603 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 $18,931, for those earning $48,001 to $75,000 it is $22,590, and for those earning over $110,000 it is $27,434. The spread between the lowest and highest bands is $8,503.
Aid covers about 52% of the published cost for the average aid recipient, bringing the average net price across all bands to $22,084. That figure is $263 below the $22,347 median for comparable institutions (same type and size).
Borrowers who complete a degree carry a median of $21,900 in federal student loans, which is $3,100 below the $25,000 peer median. 89.8% of federal aid recipients take federal loans.
Parents who borrow through the Parent PLUS program hold a separate median of $12,550. If repaid over ten years, the median student debt corresponds to an estimated payment of $249 a month.
Student loans: what does repayment look like?
Among borrowers who complete a degree at Southern Nazarene University, median federal student loan debt is $21,900. That median runs $3,100 below the $25,000 median for comparable institutions (same type and size).
Parents who borrow hold a separate median of $12,550 in Parent PLUS loans.
Four years after completing a degree, federally aided graduates of Southern Nazarene University who are working and not enrolled earn a median of $60,691. That places the earnings level at the 54th percentile among nonprofit four-year institutions.
Graduates earn about $5,504 more than expects for similar students. That result sits at the 72nd percentile among nonprofit four-year institutions.
Earnings scenarios, estimated from the program mix, show a typical outcome of $60,691, a downside of $47,030, and an upside of $79,204. Borrowers who complete leave with a median of $21,900 in federal loans, $3,100 below the peer median.
If repaid over ten years, that debt corresponds to an estimated payment of $249 a month.
For the separate population of parent borrowers, median Parent PLUS borrowing is $12,550. For student borrowers, that debt corresponds to an estimated payment of $249 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
- $12,550
- Estimated parent payment
- $159/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 | 9.4% | Caution |
| $100,000 | 4.2% | Safe |
| $150,000 | 2.0% | Safe |
| $200,000 | 1.3% | 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
- $21,900
- Institution Parent PLUS debt
- $12,550
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $249/mo
- Estimated Parent PLUS payment · monthly
- $159/mo
- Modeled student + parent payments
- $408/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 $60,691, with a $23,940 annual allowance for basic expenses:
8.1% of income above the allowance · Good
- Excellent Under 8%
- Good 8–under 12% · selected scenario
- 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.