Traditional Undergraduate Student Financial Aid

We are committed to providing you with financial aid to make your education at St. Catherine University affordable.


  • COST OF ATTENDANCE

    Costs by Semester

    Whether you are a woman applying for your first year at St. Kate’s or you come to us as a transfer or international student, you want to know what costs to expect. See how most students’ expenses break down then use the cost estimate worksheet to reflect your personal circumstances. Planning ahead? Be aware that costs for the next academic year are announced by the Board of Trustees each March.

    The Financial Aid Office calculates financial aid awards for each student based on her unique financial and academic circumstances. We use a matrix of program costs based on averaged expenses and enrollment for each type of academic program to construct an estimated cost of attendance.

    Tuition rates are calculated using per credit program tuition costs and average registration at each enrollment tier (full-time, three-quarter-time, half-time, less-than-half-time). Fees include mandatory program and student fees, but do not automatically include course-specific fees. Housing costs are estimated based on standard on-campus living rates, local off-campus living rates, and estimated expenses for students living with family members. Meal costs are based on on-campus meal-plan options as well as local cost-of-living indexes. Book expenses are averaged based on overall student book costs, and are not specific to individual courses. Personal and travel expenses are established by using national and local comparisons, and are not specific to individual choices.

    Rates may change for every academic year. Please visit the Student Accounts webpage for current Tuition and Fees.


New First-time Bachelor's Students Living On Campus:
Direct Costs: $23,062
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition and Fees, Housing and Meals.
Tuition: $18,120 (full-time enrollment, based on average of 15 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee + $115 new student fee in the initial semester
Housing: $2,650
Meals: $1,855
Cost of Attendance Estimate Includes: your direct costs plus estimated indirect costs (Loan Fees, Books and Supplies, Personal Expenses/Miscellaneous and Transportation)
Loan Fees: $41
Books and Supplies: $500
Personal Expenses/Miscellaneous: $1,175
Transportation: $175
Total Indirect Costs: $1,891
Total Averaged Cost per Semester:
$24,953*

New First-time Bachelor's Students Living Off Campus (not with family):
Direct Costs: $18,657
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition, Fees and Copper Meal Plan.
Tuition: $18,120 (full-time enrollment, based on average of 15 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee + $115 new student fee in the initial semester
Copper Meal Plan: $100**
Cost of Attendance Estimate:
Includes: your direct costs plus estimated indirect costs (Loan Fees, Housing and Meals, Personal Expenses/Miscellaneous, Books and Supplies and Transportation)
Loan Fees: $41
Housing: $2,650
Meals: $1,855**
Personal Expenses/Miscellaneous: $1,175
Books and Supplies: $500
Transportation: $175
Total Indirect Costs: $6,396
Total Averaged Cost per Semester:
$24,953*

New First-time Bachelor's Students Living with Family:
Direct Costs: $18,657
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition, Fees and Copper Meal Plan.
Tuition: $18,120 (full-time enrollment, based on average of 15 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee + $115 new student fee in the initial semester
Copper Meal Plan: $100**
Cost of Attendance Estimate:
Includes: your direct costs plus estimated indirect costs (Loan Fees, Housing and Meals, Personal Expenses/Miscellaneous, Books and Supplies and Transportation)
Loan Fees: $41
Housing: $225
Meals: $875**
Personal Expenses/Miscellaneous: $1,175
Books and Supplies: $500
Transportation: $175
Total Indirect Costs: $2,991
Total Averaged Cost per Semester:
$21,548*

*Note: this budget is based on full-time enrollment. Costs associated with part-time enrollment will be based on averaged enrollment at three-quarter time, half time, and less-than-half time, and may not include all budget components.

**Students living off campus or with parent who have no other meal plan will be assessed the $100 per semester Copper Meal Plan. Your total estimated Meal costs will stay at $1,855 if living off campus-not with parent, and $875 if living with parent/family.

New Transfer Bachelor's Students Living On Campus:
Direct Costs: $21,854
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition and Fees, Housing and Meals.
Tuition: $16,912 (full-time enrollment, based on average of 14 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee + $15 new student fee in the initial semester
Housing: $2,650
Meals: $1,855
Cost of Attendance Estimate Includes: your direct costs plus estimated indirect costs (Loan Fees, Books and Supplies, Personal Expenses/Miscellaneous and Transportation)
Loan Fees: $41
Books and Supplies: $500
Personal Expenses/Miscellaneous: $1,175
Transportation: $175
Total Indirect Costs: $1,891
Total Averaged Cost per Semester:
$23,645*

New Transfer Bachelor's Students Living Off Campus (not with family):
Direct Costs: $17,449
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition, Fees and Copper Meal Plan.
Tuition: $16,912 (full-time enrollment, based on average of 14 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee + $15 new student fee in the initial semester
Copper Meal Plan: $100**
Cost of Attendance Estimate:
Includes: your direct costs plus estimated indirect costs (Loan Fees, Housing and Meals, Personal Expenses/Miscellaneous, Books and Supplies and Transportation)
Loan Fees: $41
Housing: $2,650
Meals: $1,855**
Personal Expenses/Miscellaneous: $1,175
Books and Supplies: $500
Transportation: $175
Total Indirect Costs: $6,396
Total Averaged Cost per Semester:
$23,645*

New Transfer Bachelor's Students Living with Family:
Direct Costs: $18,657
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition, Fees and Copper Meal Plan.
Tuition: $17,349 (full-time enrollment, based on average of 14 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee + $15 new student fee in the initial semester
Copper Meal Plan: $100**
Cost of Attendance Estimate:
Includes: your direct costs plus estimated indirect costs (Loan Fees, Housing and Meals, Personal Expenses/Miscellaneous, Books and Supplies and Transportation)
Loan Fees: $41
Housing: $225
Meals: $875**
Personal Expenses/Miscellaneous: $1,175
Books and Supplies: $500
Transportation: $175
Total Indirect Costs: $2,991
Total Averaged Cost per Semester:
$20,240*

*Note: this budget is based on full-time enrollment. Costs associated with part-time enrollment will be based on averaged enrollment at three-quarter time, half time, and less-than-half time, and may not include all budget components.

**Students living off campus or with parent who have no other meal plan will be assessed the $100 per semester Copper Meal Plan. Your total estimated Meal costs will stay at $1,855 if living off campus-not with parent, and $875 if living with parent/family.

Continuing First-time Bachelor's Students

Continuing First-time Bachelor's Students Living On Campus:
Direct Costs: $22,947
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition and Fees, Housing and Meals.
Tuition: $18,120 (full-time enrollment, based on average of 15 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee
Housing: $2,650
Meals: $1,855
Cost of Attendance Estimate Includes: your direct costs plus estimated indirect costs (Loan Fees, Books and Supplies, Personal Expenses/Miscellaneous and Transportation)
Loan Fees: $41
Books and Supplies: $500
Personal Expenses/Miscellaneous: $1,175
Transportation: $175
Total Indirect Costs: $1,891
Total Averaged Cost per Semester:
$24,838*

Continuing First-time Bachelor's Students Living Off Campus (not with family):
Direct Costs: $18,542
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition, Fees and Copper Meal Plan.
Tuition: $18,120 (full-time enrollment, based on average of 15 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee
Copper Meal Plan: $100**
Cost of Attendance Estimate:
Includes: your direct costs plus estimated indirect costs (Loan Fees, Housing and Meals, Personal Expenses/Miscellaneous, Books and Supplies and Transportation)
Loan Fees: $41
Housing: $2,650
Meals: $1,855**
Personal Expenses/Miscellaneous: $1,175
Books and Supplies: $500
Transportation: $175
Total Indirect Costs: $6,396
Total Averaged Cost per Semester:
$24,838*

Continuing First-time Bachelor's Students Living with Family:
Direct Costs: $18,542
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition, Fees and Copper Meal Plan.
Tuition: $18,120 (full-time enrollment, based on average of 15 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee
Copper Meal Plan: $100**
Cost of Attendance Estimate:
Includes: your direct costs plus estimated indirect costs (Loan Fees, Housing and Meals, Personal Expenses/Miscellaneous, Books and Supplies and Transportation)
Loan Fees: $41
Housing: $225
Meals: $875**
Personal Expenses/Miscellaneous: $1,175
Books and Supplies: $500
Transportation: $175
Total Indirect Costs: $2,991
Total Averaged Cost per Semester:
$21,433*

*Note: this budget is based on full-time enrollment. Costs associated with part-time enrollment will be based on averaged enrollment at three-quarter time, half time, and less-than-half time, and may not include all budget components.

**Students living off campus or with parent who have no other meal plan will be assessed the $100 per semester Copper Meal Plan. Your total estimated Meal costs will stay at $1,855 if living off campus-not with parent, and $875 if living with parent/family.

Continuing Transfer Bachelor's Students

Continuing Transfer Bachelor's Students Living On Campus:
Direct Costs: $21,739
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition and Fees, Housing and Meals.
Tuition: $16,912 (full-time enrollment, based on average of 14 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee
Housing: $2,650
Meals: $1,855
Cost of Attendance Estimate Includes: your direct costs plus estimated indirect costs (Loan Fees, Books and Supplies, Personal Expenses/Miscellaneous and Transportation)
Loan Fees: $41
Books and Supplies: $500
Personal Expenses/Miscellaneous: $1,175
Transportation: $175
Total Indirect Costs: $1,891
Total Averaged Cost per Semester:
$23,630*

Continuing Transfer Bachelor's Students Living Off Campus (not with family):
Direct Costs: $17,334
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition, Fees and Copper Meal Plan.
Tuition: $16,912 (full-time enrollment, based on average of 14 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee
Copper Meal Plan: $100**
Cost of Attendance Estimate:
Includes: your direct costs plus estimated indirect costs (Loan Fees, Housing and Meals, Personal Expenses/Miscellaneous, Books and Supplies and Transportation)
Loan Fees: $41
Housing: $2,650
Meals: $1,855**
Personal Expenses/Miscellaneous: $1,175
Books and Supplies: $500
Transportation: $175
Total Indirect Costs: $6,396
Total Averaged Cost per Semester:
$23,630*

Continuing Transfer Bachelor's Students Living with Family:
Direct Costs: $17,334
Directs costs are items that will be billed to your University account. Based upon credit load assumptions these include Tuition, Fees and Copper Meal Plan.
Tuition: $16,912 (full-time enrollment, based on average of 14 credits per semester)
Student Fees: $147 mandatory student activity fee + $175 mandatory technology fee
Copper Meal Plan: $100**
Cost of Attendance Estimate:
Includes: your direct costs plus estimated indirect costs (Loan Fees, Housing and Meals, Personal Expenses/Miscellaneous, Books and Supplies and Transportation)
Loan Fees: $41
Housing: $225
Meals: $875**
Personal Expenses/Miscellaneous: $1,175
Books and Supplies: $500
Transportation: $175
Total Indirect Costs: $2,991
Total Averaged Cost per Semester:
$20,225

*Note: this budget is based on full-time enrollment. Costs associated with part-time enrollment will be based on averaged enrollment at three-quarter time, half time, and less-than-half time, and may not include all budget components.

**Students living off campus or with parent who have no other meal plan will be assessed the $100 per semester Copper Meal Plan. Your total estimated Meal costs will stay at $1,855 if living off campus-not with parent, and $875 if living with parent/family.

Full Time Student

Fees (Nine-month school year) 16 credits (4 courses/semester) 12 credits (3 courses/semester)*
Fees paid directly to the college:    
Tuition ($1,208/credit) $ 38,656 $ 28,992
Room (double room)** $ 5,300 $ 5,300
Meals (Platinum meal plan) $ 3,710 $ 3,710
Health insurance (mandatory) $ 2,970 $ 2,970
Student Activity & Technology Fee $ 644 $ 644
Fees not paid directly to the college, but included on the I-20:    
Books and supplies (estimate) $ 800 $ 800
Personal expenses (estimate)*** $ 1,000 $ 1,000
TOTAL $ 53,080 $ 43,416

For future budgeting, you should expect expenses to increase by 5%-8% each year.

* Full time students may also take three courses per semester. Summer study would be necessary to graduate in four years.
** If you choose a different type of housing, the cost will be higher.
*** Money for personal expenses can vary widely. We advise students to arrive with $500 to cover immediate expenses.

Standard Payment Schedule

Prior to Arrival On Arrival Beginning of 2nd Semester
Housing deposit - $100 1/2 fees 1/2 fees
Tuition deposit - $400 1/2 tuition 1/2 tuition
  1/2 room and board 1/2 room and board
  1/2 insurance 1/2 insurance

Other payment options are available. Please contact the Office of International Admission with questions.

  • Financial Aid

    Follow the four steps.

    More than 90% of our Undergraduate Day students receive loans, grants and other forms of assistance.

    According to The College Board, about two-thirds of full-time students pay for college with the help of financial aid in the form of grants and scholarships.

    As a prospective or new student, your admissions counselor will guide you through the process of applying for aid. We encourage every student to follow the four steps to apply for aid, as it allows the Financial Aid Office to automatically consider you for need-based grants, scholarships and loans.


  • Net Price Calculator

    Use the net price calculator for an estimate.

    The Net Price Calculator provides an early approximation of what a new first-year, undergraduate student can expect to pay to attend St. Catherine University. It is not intended for use by graduate, transfer, readmitted, continuing, international or part-time students, who should instead contact the Financial Aid Office for more information.


  • Scholarships

    First-Year Student Scholarships

    St. Kate’s awards a broad range of merit-based scholarships. Some merit scholarships also consider financial need, but rewarding talent is the primary objective. For priority consideration for scholarships, apply for admission and include your scholarship support materials by February 15.

    We also encourage you to pursue outside scholarships. Your consideration for St. Kate’s merit scholarships is not affected by outside scholarships.


Elizabeth Ann Beatson O'Shaughnessy Merit Scholarship

  • Full tuition and fees for four years.
  • Each year, a student is selected on the basis of outstanding academic performance and extraordinary artistic or musical talent or excellence in extracurricular accomplishments. For priority consideration, apply for admission and submit all supporting materials by November 15.

St. Catherine University Merit Scholarships

  • Presidential Scholarship: $24,000-$25,000
  • St. Catherine of Alexandria Scholarship: $23,000
  • Dean's Scholarship: $12,000-$18,000

Merit scholarships represent St. Kate's commitment to continued academic excellence. Students may earn one of the scholarships listed above based on academic achievement or potential as signified by ACT or SAT scores, high school GPA and class rank. These scholarships are renewable each year as long as the student is enrolled full time and is in good academic standing.

St. Catherine University Scholarship for National Merit Scholars

  • $2,500 per year for four years.
  • National Merit semifinalists or finalists in the national competition are eligible for this award.

St. Catherine University Scholarship for National Achievement Scholars

  • $2,500 per year for four years.
  • African-American National Achievement semifinalists or finalists in the national competition are eligible for this award.

St. Catherine University Scholarship for National Hispanic Scholars

  • $2,500 per year for four years.
  • National Hispanic Scholar semifinalists or finalists in the national competition are eligible for this award.

St. Catherine University Scholarship for National Merit, National Achievement or National Hispanic Commended Students

  • $2,000 per year for four years.
  • Commended students in the National Merit, Achievement or Hispanic competitions are eligible for this award.

St. Catherine Award

  • $7,500 per year for four years.
  • Given in recognition of academic potential determined at the time of admission.

Alumnae Referral Scholarship

  • A one-time scholarship of $600.
  • This scholarship is awarded to every accepted student who receives an Alumnae Referral Card from an alumna of St. Kate’s.The Referral Card must be submitted with the admission application or returned within two weeks of an online application.

TripliKate Scholarship

  • $3,000 per year for four years.
  • Students whose mothers and grandmothers graduated from St. Catherine are eligible for this scholarship.

DupliKate Scholarship

  • $2,000 per year for four years.
  • Students whose mothers or grandmothers graduated from St. Catherine are eligible for this scholarship.

Music Performance Scholarship

  • $2,000 a year
  • Awarded by audition to qualified students interested in pursuing study and active involvement in music. Preference given to music or music theater majors or minors. This one year scholarship is available in voice, piano, organ, guitar, flute and strings. Students may re-apply for subsequent years. Candidates should contact the Department of Music and Theater for more information about the scholarship and the application process.

Theater Scholarship

  • $2,000 a year
  • Awarded by audition or portfolio presentation/interview to qualified students interested in pursuing study and active involvement in theater. Preference given to music theater majors or theater minors. Students receiving this one year scholarship contribute a minimum of 25 hours of production work per semester and enroll in one St. Kate’s theater class during the academic year. Students may re-apply for subsequent years. Candidates should contact the Department of Music and Theater for more information about the scholarship and the application process.

Venture Scholarship

  • $5,000 per year for four years.
  • Students who are legal U.S. residents, not residing in Minnesota or Montana, and not graduating from a Minnesota high school are eligible for this award. Students are encouraged to complete the Free Application for Federal Student Aid (FAFSA).

Sophia Brough Kampfer Scholarship for Montana Students

  • Minimum of $5,000 per year for four years.
  • Awarded to students whose legal residence is Montana.To be eligible, students must complete the Free Application for Federal Student Aid (FAFSA).

You are also encouraged to apply for outside scholarships. Outside scholarships will not affect the amount awarded for St. Kate's grants and scholarships.

Please notify the financial office if you receive any scholarship or grant not listed on your university financial aid award letter. If adjustments are required to your financial aid award, need-based loans, student employment and St. Catherine grant may be reduced.

  • Grants and Loans

    Filling Financial Gaps

    You are automatically considered for these grant awards when your financial aid package is prepared by one of our counselors. We also will provide you with detailed information about available loan programs with your financial aid award letter.


You are automatically considered for the following grant awards when your financial aid package is prepared by one of our counselors.

Note: You must submit the the FAFSA and the St. Kate’s Financial Aid Application. For priority consideration, apply by April 15.

Name of Award Amount Eligibility Criteria
St. Catherine Grant Varies by need Need as established on the FAFSA.
Allis Foundation Grant Up to $2,000 per year Academic excellence; need as established on the FAFSA.
Minnesota State Grant Up to $11,876 per year based on 2016–17 funding Minnesota residency; need as established on the FAFSA; subject to legislative change
Federal Pell Grant $598-$5,815 per year based on 2016–17 funding Need as established on the FAFSA.
Federal Supplemental Educational Opportunity Grant (SEOG) Up to $2,000 per year Need as established on the FAFSA.
Federal TEACH Grant Up to $4,000 per year Must declare an education major, and work as a full-time teacher after graduation. See your counselor for additional details.
St. Kate's Parent Partnership Grant Varies; amount covers origination and default fees on amount of PLUS loan up to cost of attendance Available only to those utilizing the Federal Parent PLUS loan.

A variety of loan programs are available to students and parents. Most student loans are offered at low-interest rates with repayment deferred until after graduation. You will receive detailed information about each loan program and any required paperwork with your financial aid award letter.

A variety of loan programs are available to students and parents. Most student loans are offered at low-interest rates with repayment deferred until after graduation. You will receive detailed information about each loan program and any required paperwork with your financial aid award letter.

Loan Eligibility Annual Amounts Terms
Federal Direct Subsidized Loan Based on need For all undergraduate students: first-year $3,500; sophomores $4,500; juniors and seniors, $5,500. Interest does not accrue while borrower is in school. Repayment begins six months after graduation. Fixed interest rate. Several repayment plan options are available.
Federal Direct Unsubsidized Loan For students who are ineligible for Subsidized Federal Direct Loan, or independent students who wish to supplement a Subsidized Federal Direct Loan. For dependent students: first-year $5,500 ($3,500 maximum Subsidized); sophomores $6,500 ($4,500 maximum Subsidized); juniors and seniors, $7,500 ($5,500 maximum Subsidized). For independent students: first-year, $9,500 ($3,500 maximum Subsidized); sophomores, $10,500 ($4,500 maximum Subsidized); juniors and seniors, $12,500 ($5,500 maximum Subsidized). Interest accrues while borrower is in school. Repayment of principal begins six months after graduation. Fixed interest rate. Several repayment plan options are available.
Federal Perkins Loan Based on need Average $1,000–$2,000 per year Repayment begins nine months after graduation at 5% interest. Loan must be repaid within 10 years. Students will be asked to sign a promissory note at the beginning of the school year.
Federal Nursing Loan Based on need Average $1,000–$2,000 per year Must be accepted to the nursing major; and sign a promissory note at the beginning of the year. Repayment begins nine months after graduation at 5% interest. Loan must be repaid within 10 years.
Federal PLUS Loan Credit-worthy parent financing a child’s education. Up to cost of attendance minus other aid Payment begins 60 days after funds are received.
Alternative Education Loans Subject to individual lender terms and conditions. Up to cost of attendance minus other aid Must apply independently with lender. Approval subject to credit check.
  • Work study and student employment

    Priority Placement for First-Year Students

    If you are a first-year student who is awarded work study as part of your financial aid award package, you are eligible for the First-Year Priority Placement Program. This program provides an early job application process that will place you in a position on campus before you arrive. Email us for more information.

    All other students are encouraged to conduct a traditional campus job search using St. Kate's online job source, KatieCareer.


  • Student Accounts

    Payment Options and Deadlines

    Once you know how much of your tuition and fees will be covered by financial aid, Student Accounts offers several options to help you pay the rest. Each semester, payment is due in full by the first day of class.