St. Thomas University
Miami Gardens, FL
Affordability & debt
- Average net price
- $26,312per year, after aid
- Undergraduates with a federal loan
- 31%
- Undergraduates receiving a Pell grant
- 27%need-based, not repaid
- Typical debt at graduation
- $19,125federal loans, students who finished
- Reducing their balance within 3 years
- 49%of borrowers who entered repayment
What that debt costs to repay. Typical debt here is about $19,125. At 7% over 10 years — the standard federal plan — that is roughly $222 a month, about $26,647 repaid in total, of which $7,522 is interest.
Stretch the same balance over 25 years and the payment drops to $135 a month — but the total climbs to $40,551, roughly $13,905 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.
St. Thomas 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
- $34,770published rate
- Out-of-state tuition
- $34,770published 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
- 98%
- Average ACT
- 19of admitted students
Context for the class as a whole, not a prediction about any one applicant.
Outcomes
- Median earnings
- $54,27210 years after entry
Median earnings of former students who received federal aid, measured 10 years after they started.
Campus life
- Campus setting
- Suburb: Large
- Residential character
- Primarily residential — many students live on campus
- Religious affiliation
- Roman Catholic
Most common fields of study
- Health professions44%
- Business & marketing31%
- Homeland security & law enforcement7%
- Psychology4%
- Social sciences3%
- Computer & information sciences3%
Share of degrees awarded, by broad field.
Athletics
NAIA Division I
- Baseball
- Basketball
- Beach Volleyball
- Bowling
- Cross Country
- Diving
- Football
- Golf
- Lacrosse
- Soccer
- Softball
- Swimming
- Tennis
- Track and Field
- Volleyball
- Wrestling
What borrowing would really cost
Starting from the typical debt at St. Thomas University. Change any figure to see your own.
Standard plan — 10 years
$222per month
- Total repaid
- $26,647
- Interest paid
- $7,522
Longer term — 25 years
$135per month
- Total repaid
- $40,551
- Interest paid
- $21,426
Borrow $19,125 and repay it over 25 years instead of 10, and you pay $13,905 more — $40,551 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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