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Cost & financial aid brief

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# St. John's University-New York Tuition, Costs & Financial Aid

Updated October 1, 2026

[Overview](/school/st-johns-university-new-york/)Cost & aid[Outcomes](/school/st-johns-university-new-york/outcomes/)[Admissions](/school/st-johns-university-new-york/admissions/)[Majors](/school/st-johns-university-new-york/majors/)[Similar schools](/school/st-johns-university-new-york/similar/)

**On this page**+

## How much does St. John's University-New York cost after financial aid?

St. John's University-New York publishes a cost of attendance of $65,527, an average across living arrangements. Tuition and fees are $53,020 and room and board are $20,600.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $29,999, a savings of $35,528 against the sticker total. That average net price sits above the peer median of $27,371 for comparable institutions (same type and size) by $2,628.

Azimuth ranks the university #1,272 for affordability among nonprofit four-year institutions. While the sticker price is high, the average aid package cuts it by more than half, though the resulting net price still runs above the peer median.

Costs at St. John's University-New York run above comparable institutions. The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $29,999, above the peer median of $27,371 for comparable institutions (same type and size) by $2,628.

Among completers who borrowed, median federal debt is $25,000, above the peer median of $24,199 for comparable institutions (same type and size) by $801. Azimuth places the affordability pillar in the 10th percentile among nonprofit four-year institutions.

Average net prices range from $27,787 for the lowest-income band to $33,661 for the highest-income band, with scant low-end relief.

Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s by family-income band show a narrow range. For families earning under $30,000 the average net price is $27,787; for $30,001–$48,000 it is $27,654; for $48,001–$75,000 it is $29,280; for $75,001–$110,000 it is $32,208; and for families earning over $110,000 it is $33,661.

Pell Grant recipients make up 24.2% of undergraduates, providing context for the lowest band. The spread between the lowest and highest bands is $5,874, a difference of averages that shows prices stay fairly flat across incomes.

Average net price by family income

**$0–30K**
$27,787

**$30–48K**
$27,654

**$48–75K**
$29,280

**$75–110K**
$32,208

**$110K+**
$33,661

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$29,999**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

The published cost of attendance is $65,527 (an average across living arrangements), but the average aid recipient pays $29,999. Aid covers about 54% of the published cost for the average aid recipient.

The discount is not spread evenly. The lowest income band averages $27,787, while the highest band averages $33,661, a spread of $5,874 between the two ends.

The middle bands sit close to the low end, with families earning $48,001 to $75,000 averaging $29,280. [Net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s increase only modestly with income.

The gap between the bottom and the top is narrower than the sticker price alone would suggest. That is an average across aid recipients in each band, not what any individual family will pay.

The published cost of attendance at St. John's University-New York is $65,527 (an average across living arrangements). Azimuth ranks the university #1,272 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 $27,787, for those earning $48,001 to $75,000 it is $29,280, and for those earning over $110,000 it is $33,661. The spread between the lowest and highest bands is $5,874.

Aid covers about 54% of the published cost for the average aid recipient, bringing the overall average net price to $29,999. That is $2,628 above the $27,371 median for comparable institutions (same type and size).

Borrowers who finish carry a median of $25,000 in federal student loans, $801 above the $24,199 peer median. 86.4% of federal aid recipients borrow federal loans.

Parents who borrow hold a separate median of $54,289 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 $284 a month.

## Student loans: what does repayment look like?

Federal borrowing is widespread at St. John's University-New York: 86.4% of federal aid recipients take federal loans. Among those who complete, the median federal student loan debt is $25,000.

The median debt is $801 above the $24,199 median for comparable institutions (same type and size). If repaid over ten years, that debt corresponds to an estimated payment of $284 a month.

Parent borrowers are a separate population, with a median of $54,289 in [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) loans.

Graduates of St. John's University-New York earn about $16,272 more than the model expects for similar students, an outcome in the 93rd percentile among nonprofit four-year institutions. The median earnings four years after completion reach $77,868, which lands in the 86th percentile nationally.

That figure runs above the peer median of $68,250 for comparable institutions (same type and size) by $9,618. Earnings scenarios derived from the university's program mix show a typical earnings level matching the observed median, with a downside scenario of $53,788 and an upside scenario of $92,142.

Borrowers finish with a median federal debt of $25,000, which is above the peer median of $24,199 by $801. That debt corresponds to an estimated payment of $284 a month if repaid over ten years.

Strong [earnings beyond expectations](/analysis/a-value-added-approach-to-college-outcomes/) alongside a debt load close to the peer median point to a solid return picture for graduates.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing, a separate parent-borrower population, is $54,289. The estimated monthly student payment if repaid over ten years is $284.

[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**
$54,289

**Estimated parent payment**
$690/mo

Modeled Parent PLUS pressure by income

| Income | Risk level |
| --- | --- |
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Caution |
| $200,000 | Safe |

The model holds the parent balance fixed and varies parent income. [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**
$25,000

**Institution Parent PLUS debt**
$54,289

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$284/mo

**Estimated Parent PLUS payment · monthly**
$690/mo

**Modeled student + parent payments**
$974/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 $77,868, with a $22,590 annual allowance for basic expenses:

**6.2%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
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, $22,590, uses the published framework’s 2024 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-johns-university-new-york#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.