Transfer or Adult Students

Elevate your goals, confidence, and ability to shape the world

We believe education should elevate your goals, your confidence, and your ability to shape the world.

Through rigorous academics, service and leadership opportunities, and faculty who push you to do and be your best, you will envision the future with new eyes.

At SAU, you get so much more than a textbook education. You get a quality, private college education that's affordable through St. Ambrose grants and scholarships – based on need and merit – for academics, fine arts, athletics, racial background, dual admission, and Phi Theta Kappa honors.

You've already started your education. Now finish your degree at St. Ambrose. We walk with you, guiding and encouraging you to the end.

Apply and Transfer to SAU Transfer Course Planning Guides

Time is of the essence



Earn your bachelor's degree in as few as four semesters! Learn how with our helpful planning guides.

Planning Guides

Complete Your Degree

woman walking

Yes, you can finish what you started, and do so on your own schedule. At St. Ambrose, all adult courses are offered online.

Start your application

Sample Packages of Your Financial Aid

The financial aid scenarios below are just examples; your counselor will work with you and the Financial Aid Office to get the very best package St. Ambrose can provide!

Figures below are per academic year and based on estimated cost of attendance* including tuition/fees and room/board (if applicable). Scenarios calculated with student transferring at least 60 credits to SAU.

three girls walking together

Ambrose Advantage

Dependent, Living Off Campus, Iowa Resident

Transfer students can leverage multiple sources of aid including our Ambrose Advantage scholarship for Iowa residents.

SAU Dual Admission and Phi Theta Kappa Scholarships - $17,000
Pell Grant: $6,495
SEOG Grant: $400
Iowa Tuition Grant: $6,200
Ambrose Advantage: $3,195
Federal Direct Loans: $7,500

Total Aid = $40,790
Remaining = $0 each year of undergraduate studies
(student has $7,145 coming back in student loan money)

*Est. cost per academic year ($33,645) includes avg. tuition/fees for dependent student.

high five

Adult Learner

Independent, Living Off Campus

Transfer students earn a generous Dual Admission and Phi Theta Kappa Scholarship when enrolling at SAU!

SAU Dual Admission and Phi Theta Kappa Scholarships: $17,000
Pell Grant: $6,495
Federal Direct Loans: $12,500

Total Aid = $35,995
Remaining = $0 each year of undergraduate studies
(student hs $2,350 coming back in student loan money)

*Est. cost per academic year ($33,645) includes avg. tuition/fees for independent student.

track meet

Student Athlete

Dependent, Living On Campus

We value the dedication you have for your sport. With dozens of varsity teams from which to choose, we'd be glad to welcome you as a Fighting Bee!

Academic Scholarship: $13,500
Athletic Scholarship: $7,000
Federal Direct Loans: $7,500

Total Aid = $28,000
Remaining = $18,925 each year of undergraduate studies

*Est. cost per academic year ($46,925) includes avg. tuition/fees and room/board for dependent student.

Net Price Calculator

These calculators help estimate your out-of-pocket costs plus financial aid and scholarship figures for joining St. Ambrose University as a transfer student.

Before you begin using the calculator below, it's helpful to have your parents' latest tax return (and your own if you have one) to help you to complete the Financial Aid section. The other sections – on scholarships and where you want to live – are self-explanatory.

Transfer Student Calculator

Holistic Support

For every student

You've worked hard to get here – we'll help you succeed the rest of the way.

St. Ambrose offers robust, holistic support to all adult and transfer students.

Academic: Each student has an advisor to counsel and review your plan to graduate, in addition to accessibility services and tutoring support. See Academic Resources
Mental and Health Counseling: On-staff counselors and our registered nurse help you achieve a balanced life.
Wellness: Full use of the Wellness and Recreation Center
Spiritual: Campus Ministry serves everyone, regardless of religious affiliation

Student Life at SAU

Campus Tour

At St. Ambrose you're free to explore, grow, and impact the world. Begin your journey by joining two of our students on a walking tour of the St. Ambrose campus.

Explore our interactive campus map

2021-22 Costs

Adult Accelerated Tuition

Rates are effective Summer through Spring.

2021-22 Tuition

  • $486/credit hour accelerated/8-week courses
  • $486/credit hour/100% online programs*

*This rate does not apply to students taking a mixture of seated and online classes.

Fees Per Semester

  • 12 or more credit hours = $140 ($280/year)
  • 11 or fewer credit hours = $70 ($140/year)
  • Matriculation = $75
Undergraduate Tuition and Fees

2021-22 Tuition

Full-time (12-18 credits): $33,290/year; $16,645/semester

Part-time (1-11 credits): $970/credit hour (16-week courses); $486/credit hour (accelerated and online courses)


At least 12 credit hours –  $280/yr. ($140/semester)
11 or fewer credit hours – $140/yr. ($70/semester)
Matriculation – $75

2021-22 Housing and Meal Plan Costs

Prices below are per semester.


  • Traditional Hall, double (Davis double, Davis single): $2,660
  • Traditional Hall, double (Cosgrove): $3,160
  • Traditional Hall, double (Bechtel, Franklin, North, Rohlman): $3,630
  • Preferred Housing, double or single (Houses): $4,050
  • Preferred Housing, double (Tiedemann, Townhouse, McCarthy): $4,160
  • Preferred Housing, single (North): $4,305
  • Preferred Housing, single (Hagen): $4,510

Super Single (one person in a double occupancy room)

  • Davis: $3,490
  • Cosgrove: $4,005
  • Bechtel, Franklin, North Trad, Rohlman: $4,470
  • Tiedemann/Townhouse/McCarthy/House: $5,195

Housing Deposit: $100 due with deposit; $150 applied to first bill

Meal Plans

  • 7 Meals + $225 spending/per semester: $1,790
  • 12 Meals + $275 spending/per semester: $2,270
  • 19 Meals + $200 spending/per semester: $2,515
  • Flex 160 + $100 spending/per semester: $2,355

Students who live on campus are required to choose a meal plan.

Meal Plan Changes and Appeals

Meal plan change and appeal processes are available on the Housing Options and Meal Plans portal page.


If you would like to receive a copy of your signed housing contract, please email

Summer 2021 Rates

For all summer residents

All summer residents will be expected to abide by university policies as well as Covid guidelines, including a daily symptom check. We will maintain isolation housing units in the event resident(s) test positive.

SAU Students


  • Any SAU student is eligible to contract to live on campus in the summer.
  • Students working on campus are eligible for free housing depending on the number of hours worked.
  • Students working at internships approved through the SAU Career Center qualify for a 50% reduction in housing costs.

Visiting Interns

This rate is for non-SAU college students who are working in the Quad Cities.

Hagen or North (Single): $26/day

Read the Terms and Conditions and submit your $250 housing deposit

Scholarships and Grants

Transfer and Adult

St. Ambrose scholarships are awarded for fall and spring semesters only* and renewable up to 120 credits of undergraduate study, which includes credits transferred to St. Ambrose from prior attendance. For example: If you transfer in with an AA/AS degree, you would receive a scholarship for two additional years at St. Ambrose.

*Total combined scholarships may not exceed cost of tuition. Scholarships offered to transfer students who enroll full time, online students not eligible.

2021-22 Scholarships

For transfer or adult students entering during the 2021-22 academic year

Criteria: awarded to all Phi Theta Kappa National Honor Society members transferring from a community college
Award: $16,000



Criteria: based on GPA
3.5-4.00 GPA $15,500 
3.0-3.49 GPA $14,500
2.5-2.99 GPA $13,500 
2.0-2.49 GPA $11,500 

Ambrose Advantage Scholarship
Criteria: Iowa resident, Pell Grant eligible, min. unweighted GPA 2.8, admitted to SAU, full-time enrollment
Award: Full Tuition 

Fr. Welch Alumni Scholarship
Criteria: parent is a St. Ambrose graduate
Award: $1,000 per year (on campus); $500/year (off campus)

Dual Admission Scholarship
Criteria: participant in SAU/community college dual admission program
Award: $1,000 maximum

Freeman Pollard Diversity Award
Criteria: Ethnically diverse student; FAFSA required. Additional aid available by application
Award: $1,000/year (on campus); $500/year (off campus)

Grants and Work Study
2021-22 Federal and State Aid (Grants and Work Study)

Iowa Tuition Grant
Criteria: based on financial need, Iowa residents only. File FAFSA as soon as possible after Oct. 1, deadline July 1.
Award: $6,800

Federal Pell Grant
Criteria: based on financial need; file FAFSA as soon as possible after Oct. 1
Award: $6,345 maximum

Federal Supplemental Education Opportunity Grant (FSEOG)
Criteria: based on financial need, priority to Pell Grant recipients. File FAFSA as soon as possible after Oct. 1.
Award: $400 maximum

Federal Work Study
Criteria: based on financial need. File FAFSA as soon as possible after Oct. 1
Award: $1,850

Outside Scholarships

There are many opportunities to receive scholarships from outside sources, here are a few websites to begin researching your options:

Another tip: Next time you're on campus, check out the bulletin board outside Bee Central where we post more flyers and applications for outside scholarships.

Tuition Refund Insurance

St. Ambrose has partnered with Sallie Mae to offer an opt-in tuition insurance plan. Participation in the tuition insurance plan is optional and St. Ambrose University does not administer the program. The University's withdrawal and refund policies are applicable whether or not you enroll in the tuition insurance plan.

Each year thousands of college students are unable to complete classes for the semester due to unforeseen medical issues such as illness, accidents, concussions, or issues related to mental health.

Unfortunately, in many cases these families are unable to recoup all of their tuition dollars. At St. Ambrose, depending on the timing of the withdrawal, there may be circumstances where you may not be eligible to receive a full refund of your tuition and fees. We understand these types of situations can be a financial hardship for many families. Therefore, we are pleased to make available the Tuition Refund Insurance plan.

Tuition Refund Insurance can help refund your tuition, fees, and room/board charges - up to the policy limits - if you are unable to complete the semester due to a covered medical reason such as an illness, accident, or mental health issue (two-day hospital stay required for mental health-related issues). This insurance program complements and enhances our school's refund policy, and we believe families will benefit from this added protection.

Visit GradGuard for more information.


Financing Your Education

Loans are one way to pay for your degree.

Financial institutions lend money to a person over a set period of time with the legal expectation that the recipient will repay the amount.

As part of learning about loans, read SAU's Financial Aid Policies and use the Net Price Calculator to see how loans affect your budget.

Loan Best Practices and Tips

Here are some important tips to follow when borrowing student loans:

  • As a student loan borrower, be aware of your rights and responsibilities.
  • Be a responsible borrower and only borrow what you need to cover your educational expenses. If you have borrowed more money than you need for the semester, you can always return it. There are no penalties for early repayment.
  • Know your allotted grace period for each loan. If you go below half-time status or withdraw from school, you will enter your grace period. If your grace period elapses and you are not enrolled, you will begin your repayment period.
  • Pay off accruing interest to avoid interest capitalization when entering repayment.
  • Avoid defaulting on your student loan. If you have trouble making monthly payments, contact your student loan provider or school for help and information.
  • If you have any loan funds in excess of your costs, you may receive a refund. If you are a first-time borrower, there is a 30-day hold on your first disbursement.
Federal Loans – For Students and Parents

Federal Student Loans

All students filing a FAFSA are eligible for federal loans.

The SAU Financial Aid Office determines which types of federal loans you are eligible for, and the loans will be listed on your official award letter.

Federal Direct Loans

This is a federally guaranteed loan. There are two types of Direct Loans: subsidized and unsubsidized.

  • A subsidized loan is a loan in which the government waives the interest accrual while the student is enrolled at least half-time.
  • An unsubsidized loan is a loan in which the government does not waive the interest and it does accrue while the student is in school.

You will have the option to pay this interest or to have it capitalized. The Subsidized portion of the loan will depend on the need that is determined from your FAFSA information. If you have no need or low need, you will receive the Unsubsidized portion instead.

For both loan types, the principle loan payments are deferred while a student is enrolled at least half-time and repayment on the loans does not start until 6 months after the student drops below half-time enrollment, graduates or withdraws.

Loan TypeBorrowerStarting July 1, 2018
Subsidized Undergraduate fixed 5.05%
Unsubsidized Undergraduate fixed 5.05%
Unsubsidized Graduate fixed 6.6% 

*See the graduate student loan accordion for more information regarding federal loans available to graduate level students.

There is a 1.066% origination fee on all unsubsidized and subsidized loans if the loan is disbursed on or after December 1, 2017, and a 1.062% origination fee if the loan is disbursed on or after October 1, 2018. For more information visit the Federal Direct Loan website.

Federal Parent Loans

Parents can borrow a loan to help pay for the cost of their child's education. The loan will be in the parent's name and will be based on credit history.

Loan Terms

  • 7.6% fixed interest rate
  • 4.264% origination fee deducted from the principal loan amount at the time of disbursement if the loan is disbursed prior to Oct. 1, 2017
  • 4.248%.origination fee deducted from the principal loan amount at the time of disbursement if the loan is disbursed on or after Oct. 1, 2018
  • Repayment begins within 30 days of final disbursement.
  • In-school deferment is available.
  • To apply for a Federal Direct Parent Plus Loan, a parent will need to sign in with their FSA User ID and password complete the PLUS Request Process at
  • The Financial Aid Office will be notified when it is complete.
Private Loans

Private alternative loans are designed to assist students who need additional funding to meet the gap between the cost of attendance and any financial aid they have already received for that year/term.

Private loans are not part of the federal education loan program. Any student considering a private loan to help cover costs should speak with their admissions counselor first to ensure that the best aid package has been awarded.

If you are considering a private educational loan, be aware of the following:

  • As a private loan borrower, it is your responsibility to research which loan will be best for you. You should pay close attention to interest rates, fees, and repayment terms.
  • If a lender approves the amount of money you requested, that same amount may not be approved by the University. The amount of money you may borrow (your loan) will be determined by both the University and other aid you receive. The loan also must fit within your Cost of Attendance budget set by the University according to Department of Education guidelines.
  • Private alternative loans are credit-based loans. This means that the company will run your credit history. If your credit does not pass, you may be required to have a co-signer in order to receive that loan. The majority of private educational loans also have variable interest rates. This means that the rates will vary with fluctuations in the market over the life of the loan.
  • Many private educational loans also have associated fees. These are processing or origination fees that are charged to you and taken off the top of your loan. For example: if you needed to borrow $1,000 and the loan you chose had a 5 percent origination fee, you would only receive $950 because $50 of that would have gone to pay the fee.
  • Once you apply, our office will be notified and we will certify your loan. In most cases, this is all done electronically, but you can expect that these types of loans will take several weeks to complete because of the credit underwriting that the lenders perform.

Preferred Lenders

Preferred Lender Disclosures

The link to FastChoice at the bottom of this page will direct you to our preferred lenders. This list has been established by the St. Ambrose University Financial Aid Office.

As required by state and federal law, the preferred lender list has the following disclosures:

  • In conjunction with lenders reviewed and used by our students, the SAU Financial Aid staff generated a list of lenders and compared those lenders' loan product details such as: fees, interest rates, rebates, etc. After evaluating those loan products, the staff generated a list of preferred lenders.
  • Evaluation and Selection Criteria: After compiling a comprehensive list, lenders were evaluated and selected based on interest rates, origination fees, cosigner options, out-of-state borrower options, efficiency of loans processing, customer service, loan limit criteria, non-degree seeking loans options, past due balance options, and repayment options/incentives.
  • Each lender on this preferred lender list is unaffiliated with the other.
  • A student is not required to borrow from a lender on this list and may apply for a private student loan with any lender. 


By clicking FastChoice you will be directed away from the St. Ambrose University Financial Aid website and begin viewing private loan products that are part of our preferred lending arrangement.

FastChoice is a loan comparison tool offered by Great Lakes Higher Education Corporation and allows students to compare up to three different loans side-by-side. It's important to remember that some lenders offer more than one loan product, so give careful consideration to the lenders and various loan products.

Loan Forgiveness

You may be eligible for a portion or all of your student loan to be forgiven (not repaid) depending on your area of study, how your loan is financed, or where you work.

Information on this page is not exhaustive, so inquire with your loan provider or servicer.

Teacher Loan Forgiveness

If you plan to teach - and the world needs more teachers - you may qualify for a portion of your loan to be forgiven or completely paid (canceled). You may also qualify for cancellation of a Federal Perkins Loan if you meet certain conditions.

Loan type: Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, Unsubsidized Federal Stafford Loans

Public Service Loan Forgiveness

Working in certain public service jobs and making continuous payments on your Direct Loan may qualify the balance of your loan to be forgiven. Examples of public service include government jobs at any level, attorneys in certain fields, non-profit 501(c)(3) organizations, and other non-profit groups. AmeriCorps, Peace Corps, and VISTA also count.

Health Care Professionals Loan Repayment

Several programs offer loan repayment or forgiveness to those working in medical professions, usually in low-income or health professional shortage areas (HPSA).

Federal Perkins Loan Cancellation and Discharge

If you have a Federal Perkins Loan, there are several types of occupations that may qualify you for loan forgiveness or cancellation. Some of those jobs include, but are not limited to: firefighter, speech pathologist, nurse, librarian, and others.
View the circumstances and conditions

Summer Loans

Summer financial aid is not automatically awarded to students. You must request summer financial aid by completing a Summer Loan Request Form (pdf). There is no institutional aid/scholarships for summer sessions. 

However, if you are enrolled during the summer for at least half-time (6 hours for undergraduate or 3 hours for graduate), you may be eligible for Federal Direct Loans.

  • Make sure you have filed your FAFSA for the current academic year. We will need this information to process your loan.
  • The amount of loan you request may not be the amount you are eligible for. Eligibility for an undergraduate student will be determined by the amount of loans borrowed previously in the academic year. Eligibility for the year may have been exhausted.

If you aren't enrolled at least half-time, you may consider taking a Private Alternative Loan to pay for your class. Visit the Private Alternative Loan section above for more information.


Admissions Office
Admissions and Welcome Center
310 W. Locust St.
Davenport, IA 52803

So, what's next?

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