Cost & financial aid brief
St. Joseph's University-New York Tuition, Costs & Financial Aid
How much does St. Joseph's University-New York cost after financial aid?
Aid covers about 55% of the published cost for the average aid recipient. The income-band averages show a narrow range.
The lowest-income band pays $16,876 on average, while the highest-income band pays $22,947. The $30,001–$48,000 band averages $15,633, which is lower than the lowest-income band, and the $75,001–$110,000 band averages $18,908.
The pattern is one of relatively flat pricing across incomes, with a $6,071 spread between the two ends. A family's own aid package will depend on its specific circumstances, but the averages suggest that the net price does not increase steeply as income goes up.
The published cost of attendance is $41,897. Azimuth ranks St. Joseph's University-New York #582 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $16,876, for those earning $48,001 to $75,000 it is $16,663, and for those earning over $110,000 it is $22,947. The spread between the lowest and highest bands is $6,071.
Aid covers about 55% of the published cost for the average aid recipient. The across all aid recipients is $19,035, which is $8,336 below the $27,371 median for comparable institutions (same type and size).
Borrowers who complete a degree carry a median of $22,000 in federal student loans. That is $2,199 below the $24,199 peer median.
86.1% of federal aid recipients take federal loans. Parents who borrow through Parent PLUS hold a separate median of $26,471.
If repaid over ten years, the median federal student debt corresponds to an estimated payment of $250 a month. It estimates what a family might pay based on their own finances, rather than the broad averages shown here.
Student loans: what does repayment look like?
Federal loans reach 86.1% of federal aid recipients at St. Joseph's University-New York. Among borrowers who complete, the median federal student loan debt is $22,000.
The peer median for comparable institutions (same type and size) is $24,199, so the university's median sits $2,199 below it. Parent borrowers are a separate population, with median Parent PLUS borrowing of $26,471.
Graduates of St. Joseph's University-New York earn a median of $64,336 four years after completion, which is $3,914 below the $68,250 median for comparable institutions (same type and size). That median falls in the 64th percentile among nonprofit four-year institutions.
Graduates earn about $1,868 less than expects for similar students, placing the institution at the 48th percentile on this measure. Earnings scenarios, estimated from the program mix, range from $53,802 on the downside to $89,803 on the upside, with a typical scenario of $64,336.
Borrowers who complete a degree carry a median of $22,000 in federal student loans, which is $2,199 below the peer median. If repaid over ten years, that debt corresponds to an estimated payment of $250 a month.
For the separate population of parent borrowers, median Parent PLUS borrowing is $26,471. For student borrowers, the median federal debt corresponds to an estimated payment of $250 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
- $26,471
- Estimated parent payment
- $336/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | Caution |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $22,000
- Institution Parent PLUS debt
- $26,471
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $250/mo
- Estimated Parent PLUS payment · monthly
- $336/mo
- Modeled student + parent payments
- $586/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 $64,336, with a $22,590 annual allowance for basic expenses:
7.2% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- 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, $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.
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.