Understanding Saint Joseph's University Tuition and Costs

For students considering Saint Joseph's University, understanding the financial aspects is crucial. This article breaks down the various costs associated with attending the university, including tuition, fees, financial aid options, and potential debt upon graduation. Saint Joseph’s provides a high-quality, affordable Jesuit education from the moment you step on campus until you are ready to pursue what’s next. When you’re thinking about your future, you and your family may have questions about tuition, fees and how to pay for them. Saint Joseph’s undergraduate tuition and fees are designed to provide a high-quality education while remaining accessible to students and their families. Saint Joseph’s graduate tuition and fees are structured to provide students with a top-tier education and the resources needed for success in your advanced studies. The following costs for a Saint Joseph’s pharmacy, physician assistant, physical therapy and occupational therapy degree encompass both direct-entry tuition for incoming students as well as graduate-level tuition for those advancing through their respective programs.

The Sticker Price and Total Cost

Saint Joseph's University's tuition is $55,380. Compared with the national average cost of tuition of $47,097, Saint Joseph's University is more expensive. These figures include both tuition and fees, also referred to as the sticker price. Fees differ by institution and may fund library services, student gym facilities, student centers, technology resources and campus health centers. The total cost is the sticker price, plus the cost of food and housing, books and supplies, and transportation and personal expenses. At Saint Joseph's University, the total cost is $72,110.

Breakdown of Annual Costs

For undergraduate day students for the Fall/Spring 25-26 semesters, the annual costs are divided into direct and indirect expenses. Here's a comparison for campus residents/students residing in off-campus housing and commuters (living at home or with relatives):

Expense	Campus Resident/Off-Campus	Commuter
Tuition	$55,180	$55,180
Fees*	$200	$200
Housing & Meals	$17,090	$4,326
Books	$1,160	$1,160
Transportation	$604	$0
Personal Expenses	$898	$898
Loan Fees	$70	$70
Total COA Budget	$75,202	$61,834
Total Direct Cost	$72,470	$55,380

*Students may incur a lab fee for a specific course.

Understanding Net Price

Average Net Price$36,392 per yearYour net price is a college’s cost of attendance minus the grants and scholarships you receive. The net price you pay for a particular college is specific to you because it’s based on your personal circumstances and the college’s financial aid policies. Use the college’s Net Price calculator for the most accurate estimate of your net price.

Financial Aid Opportunities

Saint Joseph's University offers a variety of financial aid options to help students manage the cost of education. Financial aid can include grants, loans, scholarships and work-study jobs. Financial aid packages vary depending on your financial need. Most colleges determine financial need based on your FAFSA.

Financial Aid Statistics

Students Receiving Financial Aid: 62.26%
Freshmen With Need and Received Financial Aid: 97.92%
Average Aid Package Awarded: $41,086

Types of Aid

Need-Based Scholarships and Grants: These do not need to be paid back. The average need-based scholarship or grant awarded is $30,869. The average need-based scholarship or grant awarded to first-year students at Saint Joseph's University was $32,728. Additionally, 69% of first-year students received need-based financial aid in fall 2023.
Need-Based Loans: These must be paid back. The average need-based loan amount is $4,355.
Non-Need-Based Aid: The average non-need-based scholarship or grant awarded to first-year students at Saint Joseph's University - excluding any athletic scholarships, if applicable - was $28,627.

Scholarships

Scholarships are a type of funding that you don’t need to pay back. Need-based scholarships take a student’s financial status into account. Merit-based scholarships are awarded to students for academic or athletic achievement. You might also qualify for a scholarship based on your community service involvement, unique hobbies or traits, your personal background, or a parent’s employer or military affiliation. Some students receive enough in scholarship money to cover their tuition and living expenses. See the types of scholarships and grants available at Saint Joseph's University below.

Jobs

Working while in school can help lessen the burden of your student loans. Schools offer work-study programs to those who qualify and campus jobs to students looking to earn money in their free time. Some institutions match students with work-study positions, while others require them apply to the positions, like they would for any other job. Begin your job search by checking whether your college has in-person or online job boards.

Tuition Guarantee Plans

Tuition at time of first enrollment guaranteed only to students making advance payment

Important Dates and Deadlines

Financial Aid Application Due: Not available. The last day to apply for financial aid or turn in related paperwork.
Priority Application Due: Not available. Applications received prior to this date will be given the strongest consideration. Still apply for financial aid if you don’t make this due date.
Notification Date: Dec 20. When students receive a letter with the amount and types of aid the college is offering.
Response Due: Not available. The deadline for students to respond to the college’s aid offer.

Student Loan Debt

How much student loan debt you accumulate can affect your financial life long after college ends. Ideally, your total student loan debt should fall below your anticipated starting salary once you graduate. At Saint Joseph's University, the median federal loan debt among borrowers who completed their undergraduate degree is $25,500. The median monthly federal loan payment (if it were repaid over 10 years at 5.05% interest) for student federal loan borrowers who graduated is $270. Additionally, 19% of graduating students at Saint Joseph's University took out private loans. Students with private loans had an average of $58,999 in private loan debt at graduation.

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Debt at Graduation (2024 Data)

Average Total Indebtedness: $38,925
Graduating students who have borrowed (any loan type): 62%

Veteran Education Benefits

All students that receive Veteran Education Benefits through the GI Bill® are exempt from financial holds and late fees because the University is aware of the timely process of VA Education Benefits. Department of Veterans Affairs (VA). You will be billed for each term. Please visit our tuition, fees and refund policy page for more information.

Additional Considerations

Student Cost of Attendance (COA): COA budgets are designed to provide students with an accurate projection of reasonable costs while enabling the Financial Aid Office to formulate an appropriate financial aid package. The COA budget assigned to a student does not, however, imply the availability of financial aid funds. Additionally, a student’s COA budget will always be larger than the tuition bill as the bill only includes direct costs (such as tuition, fees, housing and meal charges for students living in University housing) that are billed by Saint Joseph’s University. Books, transportation, personal expense and, in some cases, living expenses, are indirect costs that a student should plan for but that are not billed directly by the University.
The Higher Education Act of 1965, as amended (HEA), defines the COA components for all Title IV (federal) aid programs. A student’s COA budget may only include expenses that are incurred during the period of enrollment. Minimum budget component levels generally reflect a nine-month expense for undergraduate students to correspond with a nine-month academic year. Adult learner, graduate and doctoral level student budgets are based on the period of intended enrollment. Please note that books, personal expenses, transportation and housing and meal costs (for students not living in University housing) may vary greatly by individual student.
Changes in Financial Situation: If your financial situation has changed drastically, you may ask the Office of Financial Aid to review your eligibility. Some examples of special circumstances are involuntary loss of employment and recent separation or divorce. A letter of explanation and additional documentation will be requested.
Verification Process: Each year a certain percentage of students are selected for a process known as verification. We may ask you to submit various documents, such as copies of tax return transcripts, to our office.

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