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Annual Costs

Undergraduate Tuition

Tuition for Calumet College of Saint Joseph is $17,650 for the 2017/2018 academic year. This is 36% cheaper than the national average private non-profit four year college tuition of $27,755. The cost is 15% cheaper than the average Indiana tuition of $20,697 for 4 year colleges. Tuition ranks 37th in Indiana amongst 4 year colleges for affordability and is the 29th most expensive 4 year college in the state. Price does not vary by residence.

The school charges an additional fees of $270 in addition to tuition bringing the total effective in-state tuition to $17,920.

Housing Costs

Calumet College of Saint Joseph doesn't offer on campus housing. If you're not living with family you will need to budget for food and housing in the Whiting area just like you would for a college with dorms. The estimated rent and meal expense per academic year for off campus housing is $5,600.

Books and Supplies

The estimated annual cost for books and supplies is $1,500.

Other Living Expenses

Off-campus students should budget for $2,350 in other miscellaneous living expenses.

Total Costs

The annual tuition and living expense budget to go to CCSJ was $27,370 for the 2017/2018 academic year. The cost is the same for all students regardless of Indiana residence status as there is no in-state discount. Students residing at home with parents providing food and housing can expect a total cost of $21,770.

Citation: Price data from the U.S. Department of Education's 2017-2018 and 2016-2017 IPEDS survey response for Calumet College of Saint Joseph and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Calumet College of Saint Joseph
Estimated Budgets
Indiana Resident Total Budget (Living Off Campus)$27,370
   In-State Tuition$17,650
   Other Fees$270
   Off-Campus Housing Budget$5,600
   Off-Campus Other Budget$2,350
   Books and Supplies$1,500
Indiana Resident Total Budget (Living with Parents)$21,770
   In-State Tuition$17,650
   Other Fees$270
   Family Provided Room and Board$0
   With-Family Other Living Budget$2,350
   Books and Supplies$1,500
Non-Resident Total Budget (Living Off Campus)$27,370
   Out-of-State Tuition$17,650
   Other Fees$270
   Off-Campus Housing Budget$5,600
   Off-Campus Other Budget$2,350
   Books and Supplies$1,500

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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 $27,370 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 CCSJ net price for in-state students is $11,790* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

88% of Calumet College of Saint Joseph students received grant aid in 2014/2015. The average total aid amount was $9,075. 54 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 $4,370. To apply for a Pell Grant to attend Calumet College of Saint Joseph, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Calumet College of Saint Joseph
Financial Aid Summary
Average Annual Net Price$11,790*
Percent of Students Receiving Grant Aid88%
Average Total Grant Aid$9,075
Percent of Students Receiving Pell Grants54%
Average Amount of Pell Grant Aid$4,370

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 published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$8,886
$30,001 to $48,000$11,224
$48,001 to $75,000$11,146
$75,001 to $110,000$16,456
$110,000+$11,627

Average Financial Aid Mix - $27,370 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $27,370. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

36%
22%
41%

Grants and Scholarships

 36% - $9,075

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

Federal Loans

 22% - $5,609

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

Out of Pocket

 41% -  $10,336

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 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 Calumet College of Saint Joseph.

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 CCSJ is $109,480 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 $9,970 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $39,880**

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 $136,850 or $49,850 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 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 Calumet College of Saint Joseph.

Indiana Resident Tuition Per Semester$8,825
Indiana Resident Total Cost Per Semester$13,685

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 Calumet College of Saint Joseph 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 Calumet College of Saint Joseph
Price per credit hour$560
Cost for one class (3 credit hours)$1,680
Cost for one class (4 credit hours)$2,240

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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 Calumet College of Saint Joseph students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,609. The reported average student debt upon graduation is $24,215.

Example Loan Payments and Costs

How much are student loan payments for Calumet College of Saint Joseph? 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 $39,880, 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 $49,481.93. This could be your effective total out of pocket cost of an education at Calumet College of Saint Joseph. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 88% of students at this school who receive financial aid and you are paying an average annual net price of $9,970. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Calumet College of Saint Joseph 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.

Calumet College of Saint Joseph Student Loan Payments
Example Payments
Monthly Loan Payment$412.35
Amount Borrowed$39,880.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$9,601.93
Sum of All Payments over 10 years$49,481.93

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend CCSJ? 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 Calumet College of Saint Joseph, 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 $49,481.93 would be needed to afford a $412.35 monthly payment in the example $39,880.00 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 Calumet College of Saint Joseph in the future? In the past four years, this school's published in-state tuition and fee total rose from $14,680 to $17,650. This amounts to an average annual price increase of 4%. 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 $109,480.00. 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 Calumet College of Saint Joseph.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$37,640$150,561
Estimated Cost in 10 years for students enrolling in 2029$48,039$192,158
Estimated Cost in 15 years for students enrolling in 2034 $61,312$245,247
Estimated Cost in 18 years for students enrolling in 2037 $70,976$283,904

Tuition History

What was tuition at CCSJ 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 in the past as it provides indication as to how the school may raise tuition in the next few years. Historical tuition and fees for all available data years back to 1987 follows.

YearTuitionAnnual Increase
2012$14,6804.9%
2011$14,0005.9%
2010$13,2206.8%
2009$12,3807%
2008$11,57536.6%
2007$8,4756%
2006$7,9955.8%
2005$7,5605%
2004$7,20015.4%
2003$6,240-16.8%
2002$7,5004.2%
2001$7,2006.7%
2000$6,7505.1%
1999$6,4205.4%
1998$6,0908.7%
1997$5,6008.7%
1996$5,1509.6%
1995$4,70038.2%
1994$3,4006.2%
1993$3,2006.7%
1992$3,0004.5%
1991$2,8728.9%
1990$2,6376.6%
1989$2,4737.4%
1988$2,3033.2%
1987$2,231

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Calumet College of Saint Joseph 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
Elementary Education and Teaching Bachelor's Degree 25 23% cheaper
Business Administration, Management and Operations, Other Bachelor's Degree 24 19% cheaper
Accounting Bachelor's Degree 10 26% cheaper
Psychology, General Bachelor's Degree 7 32% cheaper
Criminal Justice/Law Enforcement Administration Associate's Degree 6 29% costlier
Secondary Education and Teaching Bachelor's Degree 6 25% cheaper
Human Services, General Bachelor's Degree 5 22% cheaper
Intermedia/Multimedia Bachelor's Degree 4 41% cheaper
Legal Assistant/Paralegal Associate's Degree 3 35% costlier
Social Sciences, General Bachelor's Degree 2 29% cheaper
Business Administration and Management, General Associate's Degree 2 27% costlier
Computer and Information Sciences, General Associate's Degree 2 38% costlier
Speech Communication and Rhetoric Bachelor's Degree 1 31% cheaper
Liberal Arts and Sciences, General Studies and Humanities, Other Associate's Degree 1 19% costlier
English Language and Literature, General Associate's Degree 1 38% costlier
Religion/Religious Studies Bachelor's Degree 1 42% cheaper

Calculators

Use the calculators below to formulate a college savings plan for Calumet College of Saint Joseph 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 Calumet College of Saint Joseph 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 Calumet College of Saint Joseph student loan.

Prepayment Option

About Calumet College of Saint Joseph

Calumet College of Saint Joseph is a four year private college located in Whiting, Indiana.  The school is affiliated with the Roman Catholic faith.  Full time enrollment is 551 and part time is 484. Learn more about getting accepted at Calumet College of Saint Joseph at CollegeSimply.

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

Address
Calumet College of Saint Joseph
2400 New York Ave
Whiting, Indiana
46394

For Profit / Not For Profit Status

Calumet College of Saint Joseph is a private not for profit institution.

Calumet College of Saint Joseph cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=150172 IPEDS survey data.