1.  [College research](/)
2.  /
3.  [Southern Nazarene University](/school/southern-nazarene-university/)
4.  /
5.  Cost & financial aid brief

Cost & financial aid brief

Copy linkPrint brief

# Southern Nazarene University Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/southern-nazarene-university/)Cost & aid[Outcomes](/school/southern-nazarene-university/outcomes/)[Admissions](/school/southern-nazarene-university/admissions/)[Majors](/school/southern-nazarene-university/majors/)

**On this page**+

## How much does Southern Nazarene University cost after financial aid?

Southern Nazarene University publishes a cost of attendance of $46,465, with tuition and fees at $31,190 and room and board at $9,474. For the average aid recipient, grants and scholarships cover about 52% of that sticker price, bringing the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) down to $22,084.

That average net price is $263 below the $22,347 median for comparable institutions (same type and size). Azimuth ranks the university #603 for affordability among nonprofit four-year institutions. Financial aid reduces the published cost by $24,381 on average.

Grants and scholarships reduce the billed cost to an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients. For the average recipient at Southern Nazarene University, that price is $22,084, which sits $263 below the median for comparable institutions (same type and size).

Among nonprofit four-year institutions, the affordability pillar is in the 57th percentile. Borrowers who complete a degree hold a median of $21,900 in federal student loans, $3,100 below the median at comparable institutions (same type and size).

Aid recipients in the lowest income band pay $18,931 on average. Those in the highest band pay $27,434.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $18,931 in the lowest family-income band (under $30,000), $18,323 for families earning $30,001–$48,000, $22,590 for $48,001–$75,000, $27,082 for $75,001–$110,000, and $27,434 for families earning over $110,000. The spread between the lowest and highest bands is $8,503.

Average net price by family income

**$0–30K**
$18,931

**$30–48K**
$18,323

**$48–75K**
$22,590

**$75–110K**
$27,082

**$110K+**
$27,434

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$22,084**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$12,550

**Estimated parent payment**
$159/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 | 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](/financial-gps/?tool=parent&school=southern-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**
$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

1.  Excellent Under 8%
2.  Good 8–under 12% · selected scenario
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=southern-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.