Cost & financial aid brief
University of St Thomas (MN) Tuition, Costs & Financial Aid
How much does University of St Thomas (MN) cost after financial aid?
The average net price—what aid recipients pay after grants and scholarships—is $29,155. That is $1,784 above the median for comparable institutions (same type and size).
Aid reduces the published cost by an average of $36,961, covering about 56% of the sticker price for the average aid recipient. The pattern across income bands is not a straight line.
Families earning under $30,000 average $28,131, while the middle bands pay less: $30,001–$48,000 averages $26,820, $48,001–$75,000 averages $24,357, and $75,001–$110,000 averages $25,363. The highest band, over $110,000, averages $33,232.
The spread between the lowest and highest bands is $5,101. The middle-income bands see the lowest average net prices, a pattern that suggests aid is not concentrated solely at the bottom of the income scale.
The University of St Thomas publishes a cost of attendance of $66,116 (an average across living arrangements). After grants and scholarships, the average net price—what aid recipients actually pay—is $28,131 for families earning under $30,000, $24,357 for families in the $48,001–$75,000 band, and $33,232 for families earning over $110,000.
The spread between the lowest and highest income bands is $5,101. Azimuth ranks the university #1,083 for affordability among nonprofit four-year institutions.
Tuition and fees are $54,398, and aid covers about 56% of the published cost for the average aid recipient, an offset of $36,961 against the sticker price. The average net price across all aid recipients is $29,155, which sits above the peer median of $27,371 for comparable institutions (same type and size) by $1,784.
Among federal-loan borrowers who completed, the median federal student debt is $23,250. That median is below the peer median of $24,199 for comparable institutions by $949.
Among undergraduates who take federal loans, 94.8% of federal aid recipients borrow. The estimated monthly payment if repaid over ten years is $264.
Parents who borrow through the federal Parent PLUS program carry a separate median of $24,467.
Student loans: what does repayment look like?
Borrowing is nearly universal at the University of St Thomas, where 94.8% of federal aid recipients take federal loans. Among federal-loan borrowers who complete a degree, the median federal student debt is $23,250.
That median sits below the $24,199 median for comparable institutions (same type and size) by $949. Parent PLUS loans, which are taken out by parents and represent a separate borrowing population, carry a median of $24,467.
The University of St Thomas combines earnings that outpace prediction with borrowing that runs below the median for comparable institutions. Four years after completing a degree, federally aided graduates who are working and not enrolled earn a median of $82,136, a figure in the 90th percentile among nonprofit four-year institutions.
Graduates earn about $10,445 more than the model expects for similar students, an outcome at the 84th percentile nationally. Earnings scenarios, estimated from the university's program mix, give a sense of the range: $52,836 in a downside case, $82,136 as the typical outcome, and $96,827 in an upside case.
The median federal student debt at completion is $23,250, which is $949 below the $24,199 median for comparable institutions (same type and size). That debt corresponds to an estimated payment of $264 a month if repaid over ten years.
Median Parent PLUS borrowing, a separate parent-borrower population, is $24,467. The estimated monthly student payment if repaid over ten years is $264.
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
- $24,467
- Estimated parent payment
- $311/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 | 18.3% | High pressure |
| $100,000 | 8.2% | Caution |
| $150,000 | 3.9% | Safe |
| $200,000 | 2.6% | 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
- $24,467
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $264/mo
- Estimated Parent PLUS payment · monthly
- $311/mo
- Modeled student + parent payments
- $575/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 $82,136, with a $23,940 annual allowance for basic expenses:
5.4% 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, $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.