Annual Costs

Undergraduate Tuition

St Mary's College of Maryland tuition is $11,646 per year for in-state residents. This is 65% more expensive than the national average public four year tuition of $7,056. The cost is 43% cheaper than the average Maryland tuition of $20,405 for 4 year colleges. Tuition ranks 16th in Maryland amongst 4 year colleges for affordability and is the 18th most expensive 4 year college in the state. If attending from out-of-state, the tuition is $27,098 which represents a 133% premium.

The school charges an additional fees of $2,850 in addition to tuition bringing the total effective in-state tuition to $14,496.

Housing Costs

On campus room and board is provided by the school at a cost of $12,816 per academic year. Students electing to live off campus elsewhere in St. Mary's City should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $800.

Other Living Expenses

If living on-campus, students should budget for $1,566 in additional living expenses. Off-campus students should budget for $1,566 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Maryland residents to go to St. Mary's is $29,678 for the 2017/2018 academic year. Out-of-state students who don't have Maryland residence can expect a one year cost of $45,130.

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

Costs and Tuition for St Mary's College of Maryland
Estimated Budgets
Maryland Resident Total Budget $29,678
   In-State Tuition$11,646
   Other Fees$2,850
   Room and Board$12,816
   On-Campus Other Budget$1,566
   Books and Supplies$800
Non-Resident Total Budget $45,130
   Out-of-State Tuition$27,098
   Other Fees$2,850
   Room and Board$12,816
   On-Campus Other Budget$1,566
   Books and Supplies$800


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 $29,678 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. Mary's net price for in-state students is $17,112* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

66% of St Mary's College of Maryland students received grant aid in 2014/2015. The average total aid amount was $11,675. 25 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 $4,065. To apply for a Pell Grant to attend St Mary's College of Maryland, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for St Mary's College of Maryland
Financial Aid Summary
Average Annual Net Price$17,112*
Percent of Students Receiving Grant Aid66%
Average Total Grant Aid$11,675
Percent of Students Receiving Pell Grants25%
Average Amount of Pell Grant Aid$4,065

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$4,827
$30,001 to $48,000$8,933
$48,001 to $75,000$13,656
$75,001 to $110,000$18,440

Average Financial Aid Mix - $29,678 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $29,678. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 42% - $11,675

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

Federal Loans

 19% - $5,422

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

Out of Pocket

 39% -  $11,015

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.

Is it Worth the Cost?

To make a comparative assessment if St. Mary's is worth the price, measures of it's relative value for tuition dollar can be examined. We've calculated an academic national percentile rating of 66/100 for St Mary's College of Maryland. Considering an average net price paid of $20,521, this leads to an overall value ranking of 74/100. This places the school 86th on our national Best Value Colleges ranking as a provider of a very high value education compared to actual overall price paid.

Tuition Comparison to Similar Public Colleges in the Region

School Cost vs. St Mary's College of Maryland
United States Naval Academy100% less expensive
University of Mary Washington48.2% less expensive
Rowan University17.1% less expensive
West Chester University of Pennsylvania35.7% less expensive
James Madison University46.3% 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 St Mary's College of Maryland.

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 St. Mary's is $118,712 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 $20,521 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $82,084**

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 $148,390 or $102,605 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 St Mary's College of Maryland.

Maryland Resident Tuition Per Semester$5,823
Maryland Resident Total Cost Per Semester$14,839
Non-Maryland Resident Tuition Per Semester$13,549
Non-Maryland Resident Total Cost Per Semester$22,565

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 Mary's College of Maryland 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 Mary's College of Maryland
Price per credit hour for out of state residents$200
Cost for one class for out of state residents (3 credit hours)$600
Cost for one class for out of state residents (4 credit hours)$800


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. 45% of St Mary's College of Maryland students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,422. The reported average student debt upon graduation is $24,621.

Example Loan Payments and Costs

How much are student loan payments for St Mary's College of Maryland? 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 $82,084, 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 $101,847.42. This could be your effective total out of pocket cost of an education at St Mary's College of Maryland. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 66% of students at this school who receive financial aid and you are paying an average annual net price of $20,521. 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 Mary's College of Maryland 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 Mary's College of Maryland Student Loan Payments
Example Payments
Monthly Loan Payment$848.73
Amount Borrowed$82,084.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$19,763.42
Sum of All Payments over 10 years$101,847.42

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend St. Mary's? 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 Mary's College of Maryland, 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 $101,847.42 would be needed to afford a $848.73 monthly payment in the example $82,084.00 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 Mary's College of Maryland in the future? 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 $118,712.00. 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 Mary's College of Maryland.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$40,814$163,257
Estimated Cost in 10 years for students enrolling in 2029$52,090$208,362
Estimated Cost in 15 years for students enrolling in 2034 $66,482$265,928
Estimated Cost in 18 years for students enrolling in 2037 $76,961$307,845

Tuition History

What was tuition at St. Mary's 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.

YearIn-StateOut-of-stateAnnual Increase
2012$12,005$24,082 6%
2011$11,325$22,718 -14.4%
2010$13,234$24,627 5%
2009$12,604$23,454 5.1%
2008$11,989$22,323 5%
2007$11,418$21,260 5.4%
2006$10,833$19,710 12.6%
2005$9,617$17,097 10%
2004$8,740$15,060 8.1%
2003$8,082$13,417 7.1%
2002$7,549$12,534 2.6%
2001$7,360$12,200 2.6%
2000$7,175$11,875 4.4%
1999$6,875$11,125 4.6%
1998$6,575$10,375 9.5%
1997$6,005$9,555 10.5%
1996$5,435$8,735 10.6%
1995$4,915$7,715 11.7%
1994$4,400$6,700 13.4%
1993$3,880$5,980 20.9%
1992$3,210$5,010 22.5%
1991$2,620$4,220 4.8%
1990$2,500$4,100 4.2%
1989$2,400$4,100 5.7%
1988$2,270$3,760 10.7%

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at St Mary's College of Maryland 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
Psychology, General Bachelor's Degree 57 12% costlier
English Language and Literature, General Bachelor's Degree 53 12% costlier
Economics, General Bachelor's Degree 48 1% costlier
Political Science and Government, General Bachelor's Degree 33 8% costlier
Biology/Biological Sciences, General Bachelor's Degree 30 12% costlier
History, General Bachelor's Degree 23 10% costlier
Mathematics, General Bachelor's Degree 21 10% costlier
Social Sciences, Other Bachelor's Degree 16 4% cheaper
Psychology, Other Bachelor's Degree 16 3% cheaper
Anthropology Bachelor's Degree 16 0% cheaper
Biochemistry Bachelor's Degree 16 3% cheaper
Foreign Languages and Literatures, General Bachelor's Degree 14 13% costlier
Art/Art Studies, General Bachelor's Degree 13 15% costlier
Multi-/Interdisciplinary Studies, Other Bachelor's Degree 8 8% costlier
Religion/Religious Studies Bachelor's Degree 7 5% cheaper
Computer and Information Sciences, General Bachelor's Degree 7 22% costlier
Chemistry, General Bachelor's Degree 6 8% costlier
Public Policy Analysis, General Bachelor's Degree 6 19% cheaper
Physics, General Bachelor's Degree 5 3% costlier
Music, General Bachelor's Degree 5 9% costlier
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 4 6% costlier
Asian Studies/Civilization Bachelor's Degree 3 14% cheaper
Philosophy Bachelor's Degree 3 0% cheaper


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

Prepayment Option

About St Mary's College of Maryland

St Mary's College of Maryland is a four year public college located in St. Mary's City, Maryland.  Full time enrollment is 1,578 and part time is 51. Learn more about getting accepted at St Mary's College of Maryland at CollegeSimply.

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

St Mary's College of Maryland
18952 E. Fisher Rd
St. Mary's City, Maryland

For Profit / Not For Profit Status

St Mary's College of Maryland 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.

St Mary's College of Maryland cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=163912 IPEDS survey data.