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Annual Costs

Undergraduate Tuition

Missouri Western State University tuition is $6,035 per year for in-state residents. This is 14% cheaper than the national average public four year tuition of $7,056. The cost is 64% cheaper than the average Missouri tuition of $16,783 for 4 year colleges. Tuition ranks 4th in Missouri amongst 4 year colleges for affordability and is the 65th most expensive 4 year college in the state. If attending from out-of-state, the tuition is $11,930 which represents a 98% premium.

The school charges an additional fees of $1,535 in addition to tuition bringing the total effective in-state tuition to $7,570.

Housing Costs

On campus room and board is provided by the school at a cost of $8,730 per academic year. Students electing to live off campus elsewhere in Saint Joseph should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,000.

Other Living Expenses

If living on-campus, students should budget for $2,665 in additional living expenses. Off-campus students should budget for $2,665 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Missouri residents to go to MWSU is $19,965 for the 2017/2018 academic year. Out-of-state students who don't have Missouri residence can expect a one year cost of $25,860.

Citation: Price data from the U.S. Department of Education's 2017-2018 and 2016-2017 IPEDS survey response for Missouri Western State University and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Missouri Western State University
Estimated Budgets
Missouri Resident Total Budget $19,965
   In-State Tuition$6,035
   Other Fees$1,535
   Room and Board$8,730
   On-Campus Other Budget$2,665
   Books and Supplies$1,000
Non-Resident Total Budget $25,860
   Out-of-State Tuition$11,930
   Other Fees$1,535
   Room and Board$8,730
   On-Campus Other Budget$2,665
   Books and Supplies$1,000

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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 $19,965 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 MWSU net price for in-state students is $10,021* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

91% of Missouri Western State University students received grant aid in 2014/2015. The average total aid amount was $5,798. 53 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,520. To apply for a Pell Grant to attend Missouri Western State University, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Missouri Western State University
Financial Aid Summary
Average Annual Net Price$10,021*
Percent of Students Receiving Grant Aid91%
Average Total Grant Aid$5,798
Percent of Students Receiving Pell Grants53%
Average Amount of Pell Grant Aid$4,520

Average Net Price for In-State Students 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 published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$8,780
$30,001 to $48,000$8,814
$48,001 to $75,000$11,396
$75,001 to $110,000$13,016
$110,000+$13,455

Average Financial Aid Mix - $19,965 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $19,965. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

34%
35%
32%

Grants and Scholarships

 34% - $5,798

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

Federal Loans

 35% - $5,970

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

Out of Pocket

 32% -  $5,532

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


*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 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.

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 Missouri Western State 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 MWSU is $79,860 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 $9,927 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $39,708**

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 $99,825 or $49,635 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 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 Missouri Western State University.

Missouri Resident Tuition Per Semester$3,018
Missouri Resident Total Cost Per Semester$9,982
Non-Missouri Resident Tuition Per Semester$5,965
Non-Missouri Resident Total Cost Per Semester$12,930

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 Missouri Western State 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 Missouri Western State University
Price per credit hour for Missouri residents$204
Cost for one class for Missouri residents (3 credit hours)$612
Price per credit hour for out of state residents$421
Cost for one class for out of state residents (3 credit hours)$1,263
Cost for one class for out of state residents (4 credit hours)$1,684

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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. 58% of Missouri Western State University students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,970. The reported average student debt upon graduation is $22,287.

Example Loan Payments and Costs

How much are student loan payments for Missouri Western State 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 $39,708, 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 $49,268.52. This could be your effective total out of pocket cost of an education at Missouri Western State University. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 91% of students at this school who receive financial aid and you are paying an average annual net price of $9,927. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Missouri Western State 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.

Missouri Western State University Student Loan Payments
Example Payments
Monthly Loan Payment$410.57
Amount Borrowed$39,708.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$9,560.52
Sum of All Payments over 10 years$49,268.52

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend MWSU? 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 Missouri Western State 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 $49,268.52 would be needed to afford a $410.57 monthly payment in the example $39,708.00 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 Missouri Western State University in the future? In the past four years, this school's published in-state tuition and fee total rose from $5,289 to $6,035. This amounts to an average annual price increase of 2.8%. 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 in-state 4 year cost of $79,860.00. 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 Missouri Western State University.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$27,457$109,826
Estimated Cost in 10 years for students enrolling in 2029$35,042$140,169
Estimated Cost in 15 years for students enrolling in 2034 $44,724$178,895
Estimated Cost in 18 years for students enrolling in 2037 $51,773$207,094

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Missouri Western State 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
Registered Nursing/Registered Nurse Bachelor's Degree 83 28% cheaper
Elementary Education and Teaching Bachelor's Degree 65 27% cheaper
Criminal Justice/Safety Studies Bachelor's Degree 44 24% cheaper
Health and Physical Education/Fitness, General Bachelor's Degree 42 28% cheaper
Biology/Biological Sciences, General Bachelor's Degree 24 36% cheaper
Parks, Recreation and Leisure Facilities Management, General Bachelor's Degree 21 24% cheaper
Psychology, General Bachelor's Degree 21 36% cheaper
Social Work Bachelor's Degree 18 28% cheaper
History, General Bachelor's Degree 17 37% cheaper
Business Administration and Management, General Associate's Degree 17 20% costlier
Physical Therapy Technician/Assistant Associate's Degree 16 29% costlier
Graphic Design Bachelor's Degree 16 36% cheaper
Cinematography and Film/Video Production Bachelor's Degree 14 39% cheaper
Speech Communication and Rhetoric Bachelor's Degree 13 35% cheaper
Economics, General Bachelor's Degree 12 42% cheaper
Information Science/Studies Bachelor's Degree 11 34% cheaper
English Language and Literature, General Bachelor's Degree 9 36% cheaper
Political Science and Government, General Bachelor's Degree 8 38% cheaper
Multi-/Interdisciplinary Studies, Other Bachelor's Degree 8 38% cheaper
Health Information/Medical Records Technology/Technician Associate's Degree 8 35% costlier
Chemistry, General Bachelor's Degree 8 38% cheaper
Music, General Bachelor's Degree 8 37% cheaper
Spanish Language and Literature Bachelor's Degree 7 40% cheaper
Mathematics, General Bachelor's Degree 7 37% cheaper
English/Language Arts Teacher Education Bachelor's Degree 6 26% cheaper
Sociology Bachelor's Degree 6 37% cheaper
Biochemistry Bachelor's Degree 6 44% cheaper
Marketing/Marketing Management, General Bachelor's Degree 5 29% cheaper
Computer and Information Sciences, General Bachelor's Degree 5 30% cheaper
Art Teacher Education Bachelor's Degree 5 29% cheaper
Music Teacher Education Bachelor's Degree 4 32% cheaper
Computer Engineering Technology/Technician Bachelor's Degree 4 19% cheaper
Electrical, Electronic and Communications Engineering Technology/Technician Bachelor's Degree 4 19% cheaper
Finance, General Bachelor's Degree 4 31% cheaper
Legal Assistant/Paralegal Associate's Degree 3 28% costlier
Philosophy Bachelor's Degree 3 43% cheaper
Biotechnology Bachelor's Degree 3 31% cheaper
French Language and Literature Bachelor's Degree 2 44% cheaper
Public Relations, Advertising, and Applied Communication, Other Bachelor's Degree 2 38% cheaper
Accounting Bachelor's Degree 2 30% cheaper
Early Childhood Education and Teaching Bachelor's Degree 2 25% cheaper
Criminal Justice/Police Science Associate's Degree 2 34% costlier
Wildlife, Fish and Wildlands Science and Management Bachelor's Degree 1 23% cheaper
Teacher Education and Professional Development, Specific Subject Areas, Other Bachelor's Degree 1 32% cheaper
Manufacturing Engineering Technology/Technician Associate's Degree 1 45% costlier
Fine/Studio Arts, General Bachelor's Degree 1 40% cheaper
French Language Teacher Education Bachelor's Degree 1 24% cheaper
Clinical Laboratory Science/Medical Technology/Technologist Bachelor's Degree 1 28% cheaper
Construction Engineering Technology/Technician Associate's Degree 1 32% costlier

Calculators

Use the calculators below to formulate a college savings plan for Missouri Western State 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 Missouri Western State 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 Missouri Western State University student loan.

Prepayment Option

About Missouri Western State University

Missouri Western State University is a four year public college located in Saint Joseph, Missouri.  Full time enrollment is 3,532 and part time is 1,831.  Missouri Western State University has an open admission policy meaning that any prospective student who has completed high school or attained a GED certificate may enroll in classes.

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

Address
Missouri Western State University
4525 Downs Dr
Saint Joseph, Missouri
64507

For Profit / Not For Profit Status

Missouri Western State University is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

Missouri Western State University cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=178387 IPEDS survey data.