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Cost & financial aid brief

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

Updated October 1, 2026

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

**On this page**+

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

The published cost of attendance at St. Joseph's University-New York is $41,897. For the average aid recipient, grants and scholarships cover about 55% of that sticker price, bringing the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) down to $19,035.

That net price is $8,336 below the $27,371 median for comparable institutions (same type and size). Azimuth ranks the university #582 for affordability among nonprofit four-year institutions.

The spread between the lowest and highest income bands is $6,071, a narrow range that suggests aid scales fairly evenly across family incomes.

At St. Joseph's University-New York, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $19,035, which is $8,336 below the median for comparable institutions (same type and size). Aid covers about 55% of the published cost of attendance for the average aid recipient.

The spread between the lowest and highest income bands is $6,071, with families earning under $30,000 averaging $16,876 and those earning over $110,000 averaging $22,947. Borrowers who finish carry a median of $22,000 in federal student loans, $2,199 below the peer median.

Azimuth places the affordability pillar at the 59th percentile 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 is $16,876 in the lowest family-income band (under $30,000), $15,633 for the $30,001–$48,000 band, $16,663 for the $48,001–$75,000 band, $18,908 for the $75,001–$110,000 band, and $22,947 for families earning over $110,000. 34.0% of undergraduates receive Pell Grants, the population the lowest band applies to. The spread between the lowest and highest bands is $6,071.

Average net price by family income

**$0–30K**
$16,876

**$30–48K**
$15,633

**$48–75K**
$16,663

**$75–110K**
$18,908

**$110K+**
$22,947

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$19,035**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) 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 average net price 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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 the model 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](/analysis/ou-what-happens-when-parents-borrow-too/) 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](#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**
$26,471

**Estimated parent payment**
$336/mo

Modeled Parent PLUS pressure by income

| 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](#cost-data-notes).

## 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

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-josephs-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.