Tuition and Cost to Attend Saint Thomas University

Annual Total Cost

The annual total list price cost to go to Saint Thomas University was $36,120 for the 2014/2015 academic year. The cost is the same for all students regardless of Florida residence status as there is no in-state discount.

Undergraduate Tuition

Tuition for Saint Thomas University is $27,150 for the 2014/2015 academic year. This is 8% more expensive than the national average private non-profit four year college tuition of $25,198. The cost is $13,189 and 94% more expensive than the average Florida tuition of $13,961 for 4 year colleges. Tuition ranks 120th in Florida amongst 4 year colleges for affordability and is the 14th most expensive 4 year college in the state. Price does not vary by residence.

Housing Costs

On campus room and board is provided by the school at a cost of $7,720 per academic year. Students electing to live off campus elsewhere in Miami Gardens should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,250.

All price data are reprinted from the U.S. Department of Education's 2014-2015 and 2013-2014 IPEDS Survey and represent reported costs for the 2014-2015 and 2013-2014 academic years.

Costs and Tuition for Saint Thomas University
Expenditure Price
Florida Resident Total Cost $36,120
   In-State Tuition$27,150
   Other Fees$0
   Room and Board$7,720
   Books and Supplies$1,250
Non-Resident Total Cost $36,120
   Out-of-State Tuition$27,150
   Other Fees$0
   Room and Board$7,720
   Books and Supplies$1,250


What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $36,120 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported Saint Thomas University net price for in-state students $18,379* for the 2013/2014 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

100% of Saint Thomas University students received grant aid in 2013/2014. The average total aid amount was $17,682. 60 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2013/2014 was $4,920. To apply for a Pell Grant to attend Saint Thomas University, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Saint Thomas University
Financial Aid Summary
Average Annual Net Price$18,379*
Percent of Students Receiving Grant Aid100%
Average Total Grant Aid$17,682
Percent of Students Receiving Pell Grants60%
Average Amount of Pell Grant Aid$4,920

Average Net Price by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last reported for the 2013-2014 academic year.

Family Income Avg. Net Price
$0 to $30,000$17,435
$30,001 to $48,000$18,701
$48,001 to $75,000$21,097
$75,001 to $110,000$19,814

Average Financial Aid Mix - $36,120 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $36,120. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 49% - $17,682

Money granted to you by the U.S. Department of Education, Saint Thomas University or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 24% - $8,719

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 27% -  $9,719

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2013-2014 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Private Colleges in the Region

School Cost vs. Saint Thomas University
Palm Beach Atlantic University West Palm Beach4.3% less expensive
Webber International University20.1% less expensive
Florida Christian College51.4% less expensive
Florida College46.6% less expensive
Clearwater Christian College34.8% less expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at Saint Thomas University.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at Saint Thomas University is $144,480 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $17,979 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $71,916**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $180,600 or $89,895 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's 2013-2014 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at Saint Thomas University.

Florida Resident Tuition Per Semester$13,575
Florida Resident Total Cost Per Semester$18,060

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at Saint Thomas University are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at Saint Thomas University
Price per credit hour$797
Cost for one class (3 credit hours)$2,391
Cost for one class (4 credit hours)$3,188

Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 61% of Saint Thomas University students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $8,719.

Example Loan Payments and Costs

How much are student loan payments for Saint Thomas University? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $71,916, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $88,568.10. This could be your effective total out of pocket cost of an education at Saint Thomas University. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 100% of students at this school who receive financial aid and you are paying an average annual net price of $17,979. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Saint Thomas University student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

Saint Thomas University Student Loan Payments
Example Payments
Monthly Loan Payment$738.07
Amount Borrowed$71,916.00
Interest Rate4.3%
Term10 years
Number of Monthly Payments120
Total Interest Cost$16,652.10
Sum of All Payments over 10 years$88,568.10

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend Saint Thomas University? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending Saint Thomas University, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $88,568.10 would be needed to afford a $738.07 monthly payment in the example $71,916.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to Saint Thomas University in the future? In the past five years, this school's published in-state tuition and fee total rose from $18,750 to $23,910. This amounts to an average annual price increase of 5.5%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current 4 year cost of $144,480.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Saint Thomas University.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2021$49,673$198,694
Estimated Cost in 10 years for students enrolling in 2026$63,397$253,589
Estimated Cost in 15 years for students enrolling in 2031 $80,913$323,651
Estimated Cost in 18 years for students enrolling in 2034 $93,667$374,667

Tuition History

What was tuition at Saint Thomas University five, ten, fifteen or twenty years ago? Hop into our time machine and take a look. Pay attention to how aggressive the school has been with price increases the past as it provides indication as to how the school may raise tuition in the next few years if you enrolled. Historical tuition and fees for all available data years back to 1988 follows.

YearTuitionAnnual Increase

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Saint Thomas University to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Business Administration and Management, General Bachelor's Degree 56 18% costlier
Organizational Leadership Bachelor's Degree 56 9% costlier
Business Administration, Management and Operations, Other Bachelor's Degree 20 18% costlier
Elementary Education and Teaching Bachelor's Degree 12 14% costlier
Business/Commerce, General Bachelor's Degree 12 9% costlier
Professional, Technical, Business, and Scientific Writing Bachelor's Degree 9 5% costlier
International Business/Trade/Commerce Bachelor's Degree 9 1% cheaper
Psychology, General Bachelor's Degree 6 2% costlier
Theology/Theological Studies Bachelor's Degree 6 4% costlier
Hospitality Administration/Management, General Bachelor's Degree 5 11% costlier
Liberal Arts and Sciences/Liberal Studies Bachelor's Degree 5 1% costlier
History, General Bachelor's Degree 4 0% cheaper
English Language and Literature, General Bachelor's Degree 4 1% costlier
Human Services, General Bachelor's Degree 3 15% costlier
Computer and Information Sciences, General Bachelor's Degree 3 11% costlier
Health/Health Care Administration/Management Bachelor's Degree 3 24% costlier
Finance, General Bachelor's Degree 3 9% costlier
Political Science and Government, General Bachelor's Degree 3 2% cheaper
Religion/Religious Studies Bachelor's Degree 2 14% cheaper
Mathematics, General Bachelor's Degree 2 1% cheaper
Biology Teacher Education Bachelor's Degree 2 21% costlier
Environmental Studies Bachelor's Degree 1 16% cheaper
Accounting Bachelor's Degree 1 9% costlier
Biology/Biological Sciences, General Bachelor's Degree 1 1% costlier
Secondary Education and Teaching Bachelor's Degree 1 11% costlier
Social Science Teacher Education Bachelor's Degree 1 28% costlier
Chemistry, General Bachelor's Degree 1 2% cheaper
Criminal Justice/Safety Studies Bachelor's Degree 1 20% costlier
Communication and Media Studies, Other Bachelor's Degree 1 10% cheaper
English/Language Arts Teacher Education Bachelor's Degree 1 16% costlier


Use the calculators below to formulate a college savings plan for Saint Thomas University or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford Saint Thomas University in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a Saint Thomas University student loan.

Prepayment Option

About Saint Thomas University

Saint Thomas University is a four year private college located in Miami Gardens, Florida.  The school is affiliated with the Roman Catholic faith.  Full time enrollment is 2,000 and part time is 415.  For the 2011/2012 school year, the school received 681 applicants. 268 were admitted and 209 enrolled.

Students attending this school may pursue both undergraduate and graduate degrees.

Saint Thomas University
16401 NW 37th Ave
Miami Gardens, Florida

For Profit / Not For Profit Status

Saint Thomas University is a private not for profit institution.

Saint Thomas University cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=137476 IPEDS survey data.

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