Cost Details
- In-State Tuition
- $10,117
- Out-of-State Tuition
- $10,117
- Average Net Price
- $14,485
- Students Receiving Financial Aid
- 20.3%
- Room & Board (On Campus)
- $9,630
- Room & Board (Off Campus)
- $9,630
- Books & Supplies
- $1,400
- Total Cost of Attendance
- $21,147
- Median Debt at Graduation
- $21,058
- Estimated Monthly Loan Payment
- $223/mo
- Loan Repayment Rate
- 66.2%
- Students Taking Federal Loans
- 25.4%
- Pell Grant Recipients
- 20.3%
Net Price by Family Income
Average annual net price after grants and scholarships. Source: U.S. Department of Education
| Family Income | Average Net Price |
|---|---|
| $0 – $30,000 | $9,772 |
| $30,001 – $48,000 | $10,298 |
| $48,001 – $75,000 | $13,125 |
| $75,001 – $110,000 | $17,908 |
| $110,001+ | $20,104 |
Cost Estimator
Cost Overview
Families earning under $30,000 pay just $9,772 annually at Saint Cloud State, while those making over $110,000 face the full $20,104 net price. The four-year total ranges from roughly $39,000 to $80,000 depending on family income. This accessibility reflects the university's mission serving first-generation college students across central Minnesota.
Graduates leave with a median debt of $21,058, translating to monthly payments of $223. That burden becomes manageable when weighed against median earnings of $55,813 ten years after graduation. The university charges the same $10,117 tuition whether you're from Minnesota or Massachusetts. Only 25% of students take federal loans, suggesting many families can afford the costs without heavy borrowing.
Low-income students get the best financial deal here. Pell Grant recipients make up 20% of enrollment, and these students often graduate with minimal debt while accessing the same teacher education and business programs that drive strong employment outcomes.
Graduates leave with a median debt of $21,058, translating to monthly payments of $223. That burden becomes manageable when weighed against median earnings of $55,813 ten years after graduation. The university charges the same $10,117 tuition whether you're from Minnesota or Massachusetts. Only 25% of students take federal loans, suggesting many families can afford the costs without heavy borrowing.
Low-income students get the best financial deal here. Pell Grant recipients make up 20% of enrollment, and these students often graduate with minimal debt while accessing the same teacher education and business programs that drive strong employment outcomes.
Official Net Price Calculator
Get a personalized cost estimate from Saint Cloud State University:
Visit Official Net Price CalculatorThis links to the school's federally-required net price calculator for a personalized estimate.