Cost & ROI · 2026
Is St. Joseph's University-New York worth it?
Pay $19,035/yr after aid. Graduates earn a median of $63,905 ten years out — about 3.4× the annual cost. EduGradify value grade: B.
The ROI math, in 30 seconds
Benchmarks
St. Joseph's University-New York vs New York avg vs national avg
How this school stacks up against the typical New York college and the typical US college.
| Metric | St. Joseph's University-New York | New York avg | National avg |
|---|---|---|---|
| Avg net price | ▼ $19,035 | $20,287 | $18,467 |
| Median earnings 10y | ▲ $63,905 | $56,137 | $50,834 |
| Median debt | ▼ $22,000 | $18,844 | $19,694 |
| Graduation rate | ▲ 68.8% | 54.3% | 49.9% |
| Acceptance rate | ▼ 72.1% | 66.5% | 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 $167,588 over four years. Most students get $22,862/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $22,000 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 34% 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 St. Joseph's University-New York grad earns about $756,200 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 St. Joseph's University-New York
The average student at St. Joseph's University-New York pays $19,035 a year after grants and scholarships, against a $41,897 published sticker price. That is below the NY average net price of $20,287.
Ten years after entry, graduates earn a median of $63,905 — above the NY median of $56,137. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $22,000, roughly $239 a month on a standard ten-year plan — a manageable load at about 34% of one year's median earnings.
Smart alternatives
Cheaper New York colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of St. Joseph's University-New York.
New York, NY · Public CUNY Bernard M Baruch College A+ Frequently asked
Cost & ROI questions
What is the net price at St. Joseph's University-New York?
The average net price — what students actually pay after grants and scholarships — is $19,035 per year. That's $22,862/yr in financial aid against the $41,897 sticker price. Over four years, that adds up to roughly $76,140.
How much do St. Joseph's University-New York graduates earn?
Ten years after enrolling, St. Joseph's University-New York graduates earn a median of $63,905 per year — above the national average of $50,834. That's about 3.4× the annual net cost.
How much debt do St. Joseph's University-New York graduates take on?
Median federal loan debt at graduation is $22,000 — about $239/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 52.1% of students take federal loans.
Is St. Joseph's University-New York worth the cost?
EduGradify assigns St. Joseph's University-New York a value grade of B — top 41% on real ROI nationally. The math: pay $19,035/yr, earn $63,905/yr ten years out, ROI score of 8.39. Exceptional Investment.
What financial aid is available at St. Joseph's University-New York?
34% of students receive federal Pell Grants (need-based federal aid). 52.1% take federal student loans. On average, students get $22,862 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at St. Joseph's University-New York?
In-state tuition is $36,550 per year. Out-of-state tuition is $36,550 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at St. Joseph's University-New York?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $16,876. Students from families earning over $110k pay about $22,947. 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 →