Cost to Attend St Luke's College

St Luke's College
Sioux City, Iowa

Annual Costs

Undergraduate Tuition

Tuition for St Luke's College is $19,440 for the 2021/2022 academic year. This is 23% more expensive than the national average college tuition of $15,776. The cost is 195% more expensive than the average Iowa tuition of $6,594 for 2 year colleges. Tuition ranks 19th in Iowa amongst 2 year colleges for affordability and is the most expensive 2 year college in the state. Price does not vary by residence.

The school charges an additional fees of $1,500 in addition to tuition bringing the total effective in-state tuition to $20,940.

Housing Costs

St Luke's College doesn't offer on campus housing. If you're not living with family you will need to budget for food and housing in the Sioux City area just like you would for a college with dorms. The estimated rent and meal expense per academic year for off campus housing is $8,235.

Books and Supplies

The estimated annual cost for books and supplies is $1,253.

Other Living Expenses

Off-campus students should budget for $3,375 in other miscellaneous living expenses.

Total Costs

The annual tuition and living expense budget to go to St Luke's College was $33,803 for the 2021/2022 academic year. The cost is the same for all students regardless of Iowa 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 $26,108.

Citation: Price data from the U.S. Department of Education's 2022 IPEDS survey response for St Luke's College and represent reported costs for the 2021-2022 academic year.

Costs and Tuition for St Luke's College
Estimated Budgets
Iowa Resident Total Budget (Living Off Campus)$33,803
   In-State Tuition$19,440
   Other Fees$1,500
   Off-Campus Housing Budget$8,235
   Off-Campus Other Budget$3,375
   Books and Supplies$1,253
Iowa Resident Total Budget (Living with Parents)$26,108
   In-State Tuition$19,440
   Other Fees$1,500
   Family Provided Room and Board$0
   With-Family Other Living Budget$3,915
   Books and Supplies$1,253
Non-Resident Total Budget (Living Off Campus)$33,803
   Out-of-State Tuition$19,440
   Other Fees$1,500
   Off-Campus Housing Budget$8,235
   Off-Campus Other Budget$3,375
   Books and Supplies$1,253
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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 $33,803 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 St Luke's College net price for in-state students is $16,930* for the 2019/2020 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

100% of St Luke's College students received grant aid in 2019/2020. The average total aid amount was $8,048. 50 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2019/2020 was $3,845. To apply for a Pell Grant to attend St Luke's College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for St Luke's College
Financial Aid Summary
Average Annual Net Price$16,930*
Percent of Students Receiving Grant Aid100%
Average Total Grant Aid$8,048
Percent of Students Receiving Pell Grants50%
Average Amount of Pell Grant Aid$3,845

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 2019/2020 academic year.

Family Income Avg. Net Price
$0 to $30,000n/a
$30,001 to $48,000$13,633
$48,001 to $75,000n/a
$75,001 to $110,000$16,478

Average Financial Aid Mix - $33,803 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $33,803. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

Grants and Scholarships
26% - $8,048

Money granted to you by the U.S. Department of Education, St Luke's College or other organizations. These are not loans and do not need to be repaid.

Federal Loans
24% - $7,250

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

Out of Pocket
50% -  $15,130

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 2019/2020 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. St Luke's College
Little Priest Tribal College79.2% less expensive
Kilian Community College43.5% less expensive
Wentworth Military Academy & Junior College20.3% less expensive
Wright Career College39.3% less expensive
Hesston College44% more expensive

Cost of a Degree

Being a school offering two year programs, prospective students should consider the multi year outlay when budgeting the cost for two years at St Luke's College.

Estimated 2 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 2 year associate degree at St Luke's College is $67,606 for students graduating in normal time. This methodology for estimating the 2 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 $15,797 in-state net price as the basis. Applying this cost over 2 would estimate the cost of a degree at $31,594**

**Based on a 2 year multiple of Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's 2019/2020 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 St Luke's College.

Iowa Resident Tuition Per Semester$9,720
Iowa Resident Total Cost Per Semester$16,902

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 St Luke's College 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 St Luke's College
Price per credit hour$540
Cost for one class (3 credit hours)$1,620
Cost for one class (4 credit hours)$2,160

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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. 100% of St Luke's College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $7,250.

Example Loan Payments and Costs

How much are student loan payments for St Luke's College? 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 $31,594, 100% of the estimated average net price for a two year program and paid nothing while enrolled. The total of all payments including interest would sum $40,193.88. This could be your effective total out of pocket cost of an education at St Luke's College. 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 $15,797. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our St Luke's College 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.

St Luke's College Student Loan Payments
Example Payments
Monthly Loan Payment$334.95
Amount Borrowed$31,594.00
Interest Rate4.99%
Term10 years
Number of Monthly Payments120
Total Interest Cost$8,599.88
Sum of All Payments over 10 years$40,193.88

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend St Luke's College? 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 St Luke's College, 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 $40,193.88 would be needed to afford a $334.95 monthly payment in the example $31,594.00 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 St Luke's College in the future? In the past four years, this school's published in-state tuition and fee total rose from $18,900 to $19,440. This amounts to an average annual price increase of 0.6%. 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 2 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current 2 year cost of $67,606.00. 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 St Luke's College.

Annual2 Year Degree
Estimated Cost in 5 years for students enrolling in 2028$44,221$88,441
Estimated Cost in 10 years for students enrolling in 2033$56,438$112,876
Estimated Cost in 15 years for students enrolling in 2038 $72,031$144,062
Estimated Cost in 18 years for students enrolling in 2041 $83,385$166,769

Tuition History

What was tuition at St Luke's College 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


Use the calculators below to formulate a college savings plan for St Luke's College 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 St Luke's College 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 St Luke's College student loan.

Prepayment Option

About St Luke's College

St Luke's College is a two year private college located in Sioux City, Iowa.  The school is affiliated with the Other Protestant faith.  Full time enrollment is 91 and part time is 111. Learn more about getting accepted at St Luke's College at CollegeSimply.

Only undergraduate degrees are offered at this school.

St Luke's College
2720 Stone Park Blvd
Sioux City, Iowa

For Profit / Not For Profit Status

St Luke's College is a private not for profit institution.

St Luke's College cost and financial aid data source: U.S. Department of Education IPEDS survey data. Data last updated February 2023 and reflects academic year 2021/2022 costs reported by the school.