Spalding University's published cost of attendance is $45,530. Need-based financial aid reshapes that figure across income levels.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $45,530 |
| Tuition and Fees | $29,200 |
| Room and Board | $9,710 |
| Books and Supplies | $200 |
| Average Financial Aid (Grants and Scholarships) | -$20,039 |
| Average Net Price (What Families Pay) | $25,491 |
| Family Income | Net Price |
|---|---|
| $0–30k | $20,509 |
| $30–48k | $22,475 |
| $48–75k | $24,378 |
| $75–110k | $28,122 |
| $110k+ | $29,278 |
Spalding University's published cost of attendance is $45,530. Need-based financial aid reshapes that figure across income levels. Low-income families pay approximately $20,509; middle-income families pay around $24,378; higher-income families pay approximately $29,278. Azimuth ranks Spalding University #983 for post-graduation affordability among nonprofit four-year institutions. Net prices by income band are medians within those bands; individual aid packages vary, so some families in each band pay more and some less than the figures shown. Spalding University participates in federal (Pell Grants, Direct Loans), state, and institutional aid programs. Families apply for need-based aid using the FAFSA, and work-study is available as part of the aid package. The difference between published cost and net price reflects the institution's commitment to meeting demonstrated financial need through grants and scholarships rather than loans alone. Median federal student loan debt at graduation is $25,250, and families using Parent PLUS borrow a median of $17,500; private or institutional loans may add further borrowing that falls outside these federal-only figures — see the Parent PLUS risk framework for how household context shapes PLUS decisions. For a graduate at the institution's median four-year earnings of $64,136, median federal debt of $25,250 projects to a monthly payment of about $285 under standard ten-year repayment. For personalized projections across earnings scenarios — including Parent PLUS planning — use Azimuth's Financial GPS tool.
How much students borrow and whether debt is manageable given outcomes.
Debt-to-earnings data not available.
How cost compares to graduate earnings and value added.
Spalding University graduates earn median 4-year earnings of $64,136, placing Spalding University in the 64.0 percentile for median earnings four years after enrollment among nonprofit four-year institutions. Graduates earn about $11,923 more than similar students at comparable institutions, placing Spalding University in the 88.7 percentile for earnings beyond expectations among nonprofit four-year institutions. Azimuth ranks Spalding University #429 for return on investment among nonprofit four-year institutions. The earnings pattern reflects Spalding University's concentration in Health fields. Nursing is the largest program with 70 graduates earning median 4-year earnings of $77,983, performing at 0.9x the national benchmark for the field. The Health Services/Allied Health/Health Sciences, General program graduates 28 students earning $59,761 four years after enrollment, while Business/Commerce, General and Psychology, General round out the institution's largest programs with four-year earnings in the $63,325 and $41,460 range respectively. This program-level concentration in health and related fields aligns with Louisville's regional labor-market demand and supports graduates into stable, in-demand career pathways.
