Cost of Attendance
Cost of Attendance & Your Bill
The Cost of Attendance (COA), also known as a budget, is the total average amount it should cost you to attend Saint Joseph's University for a year and includes tuition and fees and estimated costs for housing and food, books and supplies, transportation, personal expenses, and loan fees.
Your COA will always be larger than your tuition bill as your bill only includes direct costs billed by Saint Joseph's University, such as tuition and fees. Housing and food, books and supplies, transportation, and personal expenses are not included on your Saint Joseph's bill but are expenses you will likely incur.
To calculate your COA, we add together your direct costs and your indirect costs. Your COA signifies the maximum amount of financial aid you may receive for a given year. Again, it is not the amount you will be billed and only represents what your average cost to attend may be. Your actual costs will likely be lower than the figures below as it depends on the number of credits you enroll in, how you live, whether you purchase new or used books, etc. The COA does not imply the availability of financial aid funds.
Direct costs are those costs that are paid directly to Saint Joseph's University. Your direct costs are billed based on the number of credits you enroll in and are displayed in Self-Service. Your direct costs include your tuition and fees. The actual direct cost will vary depending on factors that include whether you attend full or part-time or are in a clinical program.
Indirect costs are those costs of other educational expenses students typically incur while attending school, but are not billed by Saint Joseph's University. Indirect costs include estimated costs for:
- Housing and food
- Books and supplies
- Loan origination fees
- Miscellaneous (personal) costs