Cost & financial aid brief
Xavier University Tuition, Costs & Financial Aid
How much does Xavier University cost after financial aid?
Xavier's aid pattern reduces published charges for the average recipient, yet its remaining net price sits above the comparable-school midpoint. Aid covers about 50% of the published cost for the average aid recipient, and the average sticker-to-net reduction is $32,479.
The lower family-income bands have lower average net prices than the middle and upper bands, with prices increasing through the listed income range. That pattern shows aid concentrated more heavily at lower incomes, though it describes band averages rather than any individual award.
The income-band spread reinforces that the discount changes by family income, while the overall average remains relatively costly beside comparable institutions.
At Xavier University, aid recipients face a published cost of attendance of $65,476 before grants and scholarships, and prices vary across family-income bands. The average net price, what aid recipients pay after grants and scholarships, is $26,728 in the lowest family-income band, $28,201 in the lower-middle band, $32,175 in the middle band, $33,824 in the upper-middle band, and $35,451 in the highest band.
The spread between the lowest and highest bands is $8,723. Azimuth ranks Xavier University #1,253 for affordability among nonprofit four-year institutions.
Aid covers about 50% of the published cost for the average aid recipient, an average savings of $32,479. Across all aid recipients, the average net price is $32,997, which is $5,626 above the peer median of $27,371 for comparable institutions (same type and size).
Published tuition and fees are $50,640, alongside $13,920 for room and board. The aid offset is sizable, though the average net price remains above the comparable-school median.
Among borrowers who completed, median federal student loan debt at completion is $23,250, and 96.2% of federal aid recipients borrow federal loans. The peer median debt is $24,199, placing the university’s median $949 below that figure.
That debt corresponds to an estimated payment of $264 a month if repaid over ten years. Median Parent PLUS borrowing is $37,885.
Student loans: what does repayment look like?
Federal borrowing is widespread at Xavier University, with 96.2% of federal aid recipients taking federal loans, so loan planning is likely to matter for many families. For federal-loan borrowers who complete, median federal student loan debt at completion is $23,250.
Comparable institutions (same type and size) have a peer median of $24,199, placing Xavier’s median $949 below that figure. Parent PLUS borrowers are a separate parent-borrower population, with median borrowing of $37,885.
The figures point in different directions at Xavier University: earnings land well among nonprofit four-year institutions, but check is less favorable. Median earnings are $71,477 four years after completion, placing the university in the 78th percentile among nonprofit four-year institutions, according to Azimuth.
Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, is in the 46th percentile. Graduates earn about $2,460 less than the model expects for similar students.
The earnings scenarios place downside earnings at $52,415 and upside earnings at $81,784, with the typical scenario matching the observed median. The peer median, the middle value for comparable institutions (same type and size), is $24,199; median federal student loan debt is $23,250, $949 below it.
That debt corresponds to an estimated payment of $264 a month if repaid over ten years.
For the separate population of Parent PLUS parent borrowers, median borrowing is $37,885. For student borrowers with median federal debt, that debt corresponds to an estimated payment of $264 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
- $37,885
- Estimated parent payment
- $481/mo
| 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.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $23,250
- Institution Parent PLUS debt
- $37,885
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $264/mo
- Estimated Parent PLUS payment · monthly
- $481/mo
- Modeled student + parent payments
- $745/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 $71,477, with a $22,590 annual allowance for basic expenses:
6.5% 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.