Mount St. Mary's University
Emmitsburg, MD
Affordability & debt
- Average net price
- $22,655per year, after aid
- Undergraduates with a federal loan
- 51%
- Undergraduates receiving a Pell grant
- 31%need-based, not repaid
- Typical debt at graduation
- $25,391federal loans, students who finished
- Reducing their balance within 3 years
- 75%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $25,391. At 7% over 10 years — the standard federal plan — that is roughly $295 a month, about $35,377 repaid in total, of which $9,986 is interest.
Stretch the same balance over 25 years and the payment drops to $179 a month — but the total climbs to $53,837, roughly $18,460 more in interest. A smaller payment is not a smaller loan.
An estimate, not financial advice: straight amortization at a fixed rate, ignoring fees, interest accrued while enrolled, and any forgiveness or income-driven plan. Figures on this page are averages and medians — what any one family borrows and pays varies widely. Try your own numbers.
Mount St. Mary's University’s net price calculator — every college is required to publish one. It is the only way to get a cost estimate based on your family’s own finances rather than an average.
Published tuition
- In-state tuition
- $48,630published rate
- Out-of-state tuition
- $48,630published rate
The sticker price before any aid. Most students pay less than this — the net price above is what aided students actually paid on average.
Admissions
- Acceptance rate
- 74%
- Average SAT
- 1,176of admitted students
Context for the class as a whole, not a prediction about any one applicant.
Outcomes
- Median earnings
- $64,07210 years after entry
Median earnings of former students who received federal aid, measured 10 years after they started.
Campus life
- Campus setting
- Rural: Distant
- Residential character
- Highly residential — most students live on campus
- Religious affiliation
- Roman Catholic
Most common fields of study
- Business & marketing25%
- Social sciences11%
- Computer & information sciences9%
- Health professions9%
- Biological & biomedical sciences9%
- Psychology6%
Share of degrees awarded, by broad field.
Athletics
NCAA Division I without football
- Baseball
- Basketball
- Bowling
- Cross Country
- Golf
- Lacrosse
- Soccer
- Softball
- Swimming
- Tennis
- Track and Field
- Water Polo
What borrowing would really cost
Starting from the typical debt at Mount St. Mary's University. Change any figure to see your own.
Standard plan — 10 years
$295per month
- Total repaid
- $35,377
- Interest paid
- $9,986
Longer term — 25 years
$179per month
- Total repaid
- $53,837
- Interest paid
- $28,446
Borrow $25,391 and repay it over 25 years instead of 10, and you pay $18,460 more — $53,837 in all, about 2.1× what you borrowed. The monthly payment is smaller; the loan is not.
An estimate, not financial advice. Straight amortization at a fixed rate: it assumes every payment is made on time and the rate never changes, and it leaves out fees, interest that accrues while you’re still enrolled, and any forgiveness or income-driven plan. Planning4College is not a financial advisor and sells no loans. Check real terms with your school’s financial aid office and studentaid.gov.
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