Cost & ROI · 2026
Is Saint Joseph's University - Philadelphia worth it?
Pay $29,689/yr after aid. Graduates earn a median of $86,881 ten years out — about 2.9× the annual cost. EduGradify value grade: C.
The ROI math, in 30 seconds
Benchmarks
Saint Joseph's University - Philadelphia vs Pennsylvania avg vs national avg
How this school stacks up against the typical Pennsylvania college and the typical US college.
| Metric | Saint Joseph's University - Philadelphia | Pennsylvania avg | National avg |
|---|---|---|---|
| Avg net price | ▼ $29,689 | $22,267 | $18,467 |
| Median earnings 10y | ▲ $86,881 | $57,791 | $50,834 |
| Median debt | ▼ $25,500 | $22,695 | $19,694 |
| Graduation rate | ▲ 78.8% | 55.2% | 49.9% |
| Acceptance rate | ▲ 88.8% | 76.1% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $271,816 over four years. Most students get $38,265/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $25,500 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 29% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're well below that threshold.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median Saint Joseph's University - Philadelphia grad earns about $1,675,240 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about Saint Joseph's University - Philadelphia
The average student at Saint Joseph's University - Philadelphia pays $29,689 a year after grants and scholarships, against a $67,954 published sticker price. That is above the PA average net price of $22,267.
Ten years after entry, graduates earn a median of $86,881 — above the PA median of $57,791. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $25,500, roughly $277 a month on a standard ten-year plan — a manageable load at about 29% of one year's median earnings.
Smart alternatives
Cheaper Pennsylvania colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of Saint Joseph's University - Philadelphia.
Frequently asked
Cost & ROI questions
What is the net price at Saint Joseph's University - Philadelphia?
The average net price — what students actually pay after grants and scholarships — is $29,689 per year. That's $38,265/yr in financial aid against the $67,954 sticker price. Over four years, that adds up to roughly $118,756.
How much do Saint Joseph's University - Philadelphia graduates earn?
Ten years after enrolling, Saint Joseph's University - Philadelphia graduates earn a median of $86,881 per year — above the national average of $50,834. That's about 2.9× the annual net cost.
How much debt do Saint Joseph's University - Philadelphia graduates take on?
Median federal loan debt at graduation is $25,500 — about $277/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 56.2% of students take federal loans.
Is Saint Joseph's University - Philadelphia worth the cost?
EduGradify assigns Saint Joseph's University - Philadelphia a value grade of C — top 52% on real ROI nationally. The math: pay $29,689/yr, earn $86,881/yr ten years out, ROI score of 7.32. Exceptional Investment.
What financial aid is available at Saint Joseph's University - Philadelphia?
19.8% of students receive federal Pell Grants (need-based federal aid). 56.2% take federal student loans. On average, students get $38,265 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at Saint Joseph's University - Philadelphia?
In-state tuition is $53,260 per year. Out-of-state tuition is $53,260 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at Saint Joseph's University - Philadelphia?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $22,570. Students from families earning over $110k pay about $33,222. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →