Cost & financial aid brief
St. Francis College Tuition, Costs & Financial Aid
How much does St. Francis College cost after financial aid?
St. Francis College places its lowest average costs in the lowest family-income band, while the middle and upper bands carry higher average net prices. Aid covers about 52% of the published cost for the average aid recipient, and the sticker-to-net gap is $19,969.
Across the five bands, the lowest-income group has the lowest average net price; the middle and upper groups cluster at higher costs, with some variation among them. That is a pattern in average aid results, not a statement of what a particular family will receive.
The lower-income pricing pattern and the average aid offset point in the same direction: aid recipients with fewer financial resources face the lower listed average costs.
The published cost of attendance at St. Francis College is $38,098 (an average across living arrangements). Azimuth ranks the university #607 for affordability among nonprofit four-year institutions.
After grants and scholarships, aid recipients in the lowest family-income band (under $30,000) average $15,700, those in the middle band ($48,001–$75,000) average $22,447, and those in the highest band (over $110,000) average $22,274. The spread between the lowest and highest bands is $6,574.
Aid covers about 52% of the published cost for the average aid recipient. The average net price, what aid recipients pay after grants and scholarships, is $18,129 across all bands.
That is $4,218 below the $22,347 median for comparable institutions (same type and size). 75.0% of federal aid recipients take federal loans.
Borrowers who finish carry a median of $23,250 in federal student debt, which is $1,750 below the $25,000 peer median for comparable institutions. Parents who borrow hold a separate median of $26,794 in Parent PLUS loans.
If repaid over ten years, the median federal student debt corresponds to an estimated payment of $264 a month.
Student loans: what does repayment look like?
Federal completion debt at St. Francis College comes in below the peer median, though federal borrowing reaches 75.0% of federal aid recipients. Median federal student loan debt at completion is $23,250.
Among comparable institutions (same type and size), the peer median is $25,000; the college's median is $1,750 below it. Parent borrowers are a separate population, with median Parent PLUS borrowing of $26,794.
At St. Francis College, median earnings are $58,523 four years after completion, and earnings scenarios show that program mix can make a wide difference in the earnings picture. Azimuth places those earnings in the 45th percentile among nonprofit four-year institutions.
Graduates earn about $9,372 more than expects for similar students. Azimuth places earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, in the 82nd percentile among nonprofit four-year institutions.
The downside earnings scenario is $47,964, the typical scenario is $58,523, and the upside scenario is $105,472. The debt comparison sits below the peer median, and that debt corresponds to an estimated payment of $264 a month if repaid over ten years.
Above-expected earnings and lower peer-relative debt point in the same direction, but the scenarios show that earnings can vary across the program mix.
Parent borrowers have median Parent PLUS borrowing of $26,794, separate from federal student loan borrowers. For student borrowers, that debt corresponds to an estimated payment of $264 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
- $26,794
- Estimated parent payment
- $340/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 | 20.1% | High pressure |
| $100,000 | 9.0% | Caution |
| $150,000 | 4.3% | Safe |
| $200,000 | 2.8% | 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
- $23,250
- Institution Parent PLUS debt
- $26,794
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $264/mo
- Estimated Parent PLUS payment · monthly
- $340/mo
- Modeled student + parent payments
- $604/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 $58,523, with a $23,940 annual allowance for basic expenses:
9.2% 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.