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Cost & financial aid brief

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# St. Francis College Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/st-francis-college/)Cost & aid[Outcomes](/school/st-francis-college/outcomes/)[Admissions](/school/st-francis-college/admissions/)[Majors](/school/st-francis-college/majors/)

**On this page**+

## How much does St. Francis College cost after financial aid?

At St. Francis College, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $18,129. The published cost of attendance is $38,098, an average across living arrangements.

Tuition and fees are $28,775, and room and board is $18,000. Average aid savings against the published cost amount to $19,969.

At comparable institutions (same type and size), the peer median net price is $22,347; the college's average sits below it by $4,218. Azimuth ranks St. Francis College #607 for affordability among nonprofit four-year institutions.

The below-peer net price and the aid offset point to lower average costs for aid recipients than at comparable institutions.

At St. Francis College, aid recipients face an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $18,129, what aid recipients pay after grants and scholarships. This sits $4,218 below the peer median, the middle value for comparable institutions (same type and size), of $22,347.

Azimuth places the affordability pillar in the 57th percentile among nonprofit four-year institutions. Borrowers who completed have median federal student loan debt of $23,250, which is $1,750 below the comparable-institution median of $25,000.

Average net price is $15,700 for the lowest-income aid recipients and $22,274 for those in the highest income band. Lower net price and lower borrowing point in the same direction.

The lowest family-income band has the lowest average cost after aid, but prices do not move upward in a straight line across every band. For aid recipients from families earning under thirty thousand dollars, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $15,700; it is $18,198 for families earning thirty thousand one dollars to forty-eight thousand dollars, $22,447 for forty-eight thousand one dollars to seventy-five thousand dollars, $21,974 for seventy-five thousand one dollars to one hundred ten thousand dollars, and $22,274 for families earning over one hundred ten thousand dollars.

Pell Grants reach 55.7% of undergraduates, providing financial-access context for the lowest band. From the lowest to highest bands, the spread is $6,574.

Average net price by family income

**$0–30K**
$15,700

**$30–48K**
$18,198

**$48–75K**
$22,447

**$75–110K**
$21,974

**$110K+**
$22,274

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$18,129**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

St. Francis College places its lowest average costs in the lowest family-income band, while the middle and upper bands carry higher average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s. 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model expects for similar students. Azimuth places [earnings beyond expectations](/analysis/a-value-added-approach-to-college-outcomes/), 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$26,794

**Estimated parent payment**
$340/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 | 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](/financial-gps/?tool=parent&school=st-francis-college#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**
$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

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=st-francis-college#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.