Cost and Aid
Quality, private education is within reach.
Through generous scholarships, grants, and work study programs, we'll work with you to develop a financial aid package that meets your needs and your budget.
"Affordable" isn't just a catchphrase at St. Ambrose; it's a commitment.
Visit with our Financial Aid counselors to learn how: 563-333-5775.
CARES Act Relief Fund Information
Please visit the COVID-19 webpage for Relief Fund Documentation to see information about funds SAU received from the Higher Education Emergency Relief Fund.
If you are experiencing a hardship related to the COVID-19 Pandemic AND you are eligible for Title IV Federal Aid (determined by filing the Free Application for Federal Student Aid (the FAFSA), apply for funds using the CARES Act Relief Fund Request Form.
- If you already received an email from SAU Financial Aid (sent Apr. 30) about receiving CARES Act funding, you DO NOT need to complete the application.
- You must be eligible for Title IV Federal student aid to qualify for assistance. If you have not filed a FAFSA for the 19-20 academic year, you can do that here until June 30. You are not required to accept federal aid, but this will be used to determine your eligibility for relief grant funding.
- If you are currently enrolled in a fully-online program, federal regulations prohibit you from applying for CARES Act Relief funds.
- CARES Act funds do not have to be repaid, but if received, they will be included on your 1098T at the end of the tax year. The IRS will release further guidance as to how these funds will be treated on your 2020 Federal taxes later this year. Please consult a tax preparer for questions regarding this aspect of the funds.
For more information and helpful Q&A, please visit the federal student aid page.
Earn more with a degree
With a bachelor's degree, your lifetime earnings can exceed $1 million (and even more with a graduate degree). So yeah, a college education is totally worth it.
YOU CAN AFFORD THIS
First-year students receive more than $20,000 in financial aid from various sources.
Generous Financial Aid
With an array of grants, scholarships, work-study, and low-interest loans, an SAU education is affordable. Our Financial Aid counselors develop a personalized package that puts a private education well within your reach.
A St. Ambrose Education is definitely worth it.
We customize a plan to maximize financial aid that helps defray direct costs as a residential student, plus explore various payment plans and institutional scholarships.
You may qualify for a scholarship for your talent in athletics. Awards vary and are based on performance and ability. Contact us to see if you're eligible.
Financial Aid Information
Financial aid is about discovering options that work for your family's situation. Together, our financial aid office will work with you to find the right combination.
Perhaps it's a scholarship or grant based on your stellar grades in high school. Keeping up your performance on the playing field and in the classroom may reap dividends for you with an athletic scholarship. There are also scholarships and grants based on demonstrated financial need.
2020-21 Tuition and Costs
St. Ambrose University sets rates for tuition and fees each fall. Tuition, fees, room and board are due each semester before students attend class, unless payment arrangements are made with Student Account Services.
Policies regarding financial aid – such as refunds, code of conduct, satisfactory academic progress, and withdrawals – can be found on the Financial Aid Policies page.
All students attending St. Ambrose University pay a technology fee based upon courseload. Some courses carry additional fees.
Full-time (12-18 credits): $32,478/year; $16,239/semester
Part-time (1-11 credits): $995/credit hour (16-week courses); $475/credit hour (accelerated and online courses)
2020-21 Undergraduate Fees
Undergraduate/Accelerated students taking 12 or more credit hours $280/yr. ($140/semester)
Undergraduate/Accelerated students taking 11 or less credit hours $140/yr. ($70/semester)
Rates for graduate students vary by program. Choose your program:
- Master of Accounting
- Master of Business Administration
- Master of Criminal Justice
- Master of Early Childhood Education
- Master of Educational Administration
- Master of Organizational Leadership
- Master of Pastoral Theology
- Master of Physician Assistant Studies
- Master of Public Health
- Master of Science in Criminal Justice
- Master of Science in Exercise Physiology
- Master of Science in Information Technology Management
- Master of Social Work
- Master of Speech-Language Pathology
- Doctor of Business Administration
- Doctor of Occupational Therapy
- Doctor of Physical Therapy
Graduate level students taking 9 or more credit hours $280/yr. ($140/semester)
Graduate level students taking 8 or less credit hours $140/yr. ($70/semester)
Most of our graduate programs offer graduate or departmental assistantships, which might include stipends or tuition benefits. Graduate assistantships typically contribute 20 hours of work each week, and their appointments may be anywhere on campus, including:
- Research with College of Business faculty members
- Handle public relations with the sports media
- Organize Wellness and Recreation activities and events
- Coordinate and develop student activities
To learn more about a graduate assistantship opportunity or inquire about open positions, please contact Human Resources.
Rates are effective Summer through Spring.
Attend ACCEL's accelerated courses part-time and you receive reduced tuition: save over $1,000 for every 3-credit course!
- $475/credit hour accelerated courses
- $475/credit hour/100% online programs*
*This rate does not apply to students taking a mixture of seated and online classes.
Once you are admitted to St. Ambrose (fully or conditionally) you are eligible for federal and state grants and student loans. You need to file a Free Application for Federal Student Aid (FAFSA), which will ask for the SAU Federal School Code, which is 001889.
Iowa residents must file by July 1 to be eligible for the Iowa Tuition Grant ($6,000). Most grant, loan, and scholarship programs require you to maintain a minimum number of credit hours per semester. Here is a sample of the minimum credit hours required:
- Pell Grant - 1
- Iowa Tuition Grant - 3
- Federal Loans - 6
- SAU academic scholarship - 12
*Students attending seated courses will incur an additional $60 per credit hour fee for online classes.
For Fall 2020 semester
(Revised rates due to alterations in the academic calendar)
- Traditional Hall, double (Davis double, Davis single): $2,505
- Traditional Hall, double (Cosgrove): $2,990
- Traditional Hall, double (Bechtel, Franklin, North, Rohlman): $3,435
- Preferred Housing, double or single (Houses): $3,830
- Preferred Housing, double (Tiedemann, Townhouse, McCarthy): $3,940
- Preferred Housing, single (North): $4,075
- Preferred Housing, single (Hagen): $4,270
Housing Deposit: $100 due with contract; $150 applied to first bill
- 7 Meals + $100 spending/per semester: $1,540
- 10 Meals + $100 spending/per semester: $1,875
- 14 Meals + $100 spending/per semester: $2,075
- 19 Meals + $100 spending/per semester: $2,245
- Flex 160 + $100 spending/per semester: $2,150
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 email@example.com.
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.
It's important you read and understand the steps below; they may affect your financial aid.
- Maintain satisfactory progress towards your degree. Click here to read the Satisfactory Academic Progress Policy
- Changes in your enrollment/number of credits will affect your financial aid.
- It's not necessary to formally accept your award letter; we assume you want the awards you have been given. However, if you would like to decline any or all of your awards, please email us at firstname.lastname@example.org or call our office at 563-333-5775.
What to Look for on an Award Letter
Scholarships and Grants
If these types of awards are the only thing listed on your award letter, then there is nothing else you need to do. Acceptance of these awards is assumed and they will automatically be posted to your student account accordingly.
Work Study is a federal program that pays students to work part-time. You do not pay back this money. If you have Work Study listed on your award letter, contact the Career Center to apply for a position.
Federal Student Loans
If you have a Federal Direct Subsidized or Unsubsidized loan listed on your award letter you will need to complete the Direct Loan Process in order to receive those funds if you haven't already done so. (Students returning to St. Ambrose for a subsequent term may skip this step if they have already borrowed Direct Loans before.)
- Continuing students are not required to complete a new MPN or Entrance Counseling after the first year. You are encouraged to read through the disclosure statements below (pdf) pertaining to the type of federal loan you are receiving:
Federal Direct Loans (Subsidized and Unsubsidized)
Federal Direct Plus Loans (Parent/Graduate)
FAFSA forms must be filed every year.
- To be considered for an Iowa Tuition Grant, the filing deadline is July 1.
- The St. Ambrose priority deadline is March 15 for some institutional funds.
- The Financial Aid Office has the right to adjust your award at any time due to changes in your financial, academic, enrollment, or housing status.
- Awards offered from State and Federal programs are contingent upon legislative allocation of funds and maximum limits allowed.
- You must report any assistance you receive from outside sources – including assistance from your employer – to the Financial Aid Office.
Undergraduate level students must be enrolled in at least 12 credit hours per semester to receive Institutional money. All students – undergraduate or graduate – must be enrolled at least half-time per semester to be eligible for student loans. (Half-time for Undergraduate level = 6 credits; Graduate level = 4.5 credits)
There is no institutional aid for summer sessions. Federal Loans may be available if you are enrolled at least 1/2 time.
You are eligible for institutional financial aid for up to 8 semesters, including semesters taken at other schools, before or after time spent at the university (i.e. if you transfer in as a junior, you will receive 4 semesters of institutional aid; or you attended St. Ambrose, left to attend another school, and then returned). This means that if you continue into a fifth year of classes, you will not be eligible for any institutional funds you may have received previously. (Institutional funds are those awarded by the university, not state, federal, or outside scholarships or grants.)
All financial aid awards, including loans, are disbursed in two disbursements: one for the fall term and one for the spring term. If you are a first-time borrower, there is a 30-day hold on your first disbursement. Once the loan funds have been applied to your account and if you have awards in excess of your costs, you may receive a refund. Any other questions regarding your financial aid should be directed to the Financial Aid Office.
Work Study is a federal program that pays students to work part-time. You do not pay back this money.
If you are receiving this type of assistance, the amount shown on your award letter is the amount you're expected to earn during one academic year if you work all your allotted hours. Any additional earnings must be approved by your department supervisor and taken into consideration in your financial award package.
Part of the financial aid funds that St. Ambrose awards come from monies provided through the generous support of St. Ambrose University benefactors. Most endowed scholarships are meant to provide financial support for St. Ambrose University's academic and need based awards. Due to this, in some cases you may see a portion of your Academic Scholarship, for example, being replaced by a named endowed scholarship. The total dollar amount you receive between the two awards, however, will remain unchanged.
Recipients are chosen based on the criteria established by the donor, which include, but are not limited to: major, class rank, GPA, performance in a fine art, or residency. You may be contacted by the Advancement Office to write a thank you letter to the donor.
What happens if I withdraw or need to drop a class?
- If you drop a class, it may affect the amount of aid you can receive. It is very important to visit your Financial Aid counselor if you are planning on dropping a class.
- If you are going to withdraw completely from all your classes, your financial aid awards will be prorated according to the amount of time you were actually enrolled. It is possible that you may end up owing the University for a portion of your expenses incurred.
- More information regarding this policy is available in the University catalog.
- Please contact your Financial Aid counselor if you are considering dropping classes or withdrawing from the University.
What happens if I currently live on campus and move off campus?
St. Ambrose University has an Off Campus cap of $12,000 for Institutional funds. If you have more than $12,000 in Institutional funds and move off campus, your scholarships or grants could be reduced to the $12,000 cap.
Institutional funds include, but are not limited to: Academic Scholarships, University Grants, Athletic Grants or Scholarships, other performance type scholarships. This cap does not include Federal or State funds or loans.
If you are considering moving Off Campus and have questions, please contact our office.
Institutional scholarships are at the discretion of the SAU Financial Aid Office and can be adjusted at any time based on changes in a student's financial, academic, housing, or enrollment status.
What happens if you believe there is a descrepancy in the amount/type of federal loan you are receiving?
Contact the Financial Aid Office. If loan issues can't be resolved, the FSA Student Loan Ombudsman for student loan issues is available. An ombudsman resolves disputes from a neitral, independent viewpoint. The FSA Student Loan Ombudsman Group will informally research a borrower problem and suggest soutions to resolve the problem.
Student borrowers can contact the FSA Student Loan Ombudsman Group online and by fax, phone, and mail:
U.S. Department of Education
FSA Ombudsman Group
Monticello, KY 42633
Financial Aid Forms
2020-21 Asset Verification
2020-21 Child Support Paid
2020-21 Child Support Received
2020-21 Cost of Attendance Worksheet
2020-21 Household Resource
2020-21 Low Income
2020-21 Room and Board Assistance Application
2020-21 Staff/Faculty Grant Application
2020-21 Student Verification
2020-21 Student Verification Addendum
2020-21 Supplemental Nutrition Assistance Program (SNAP)
2020-21 Untaxed Income Verification
2020-21 Verification Worksheet-Independent Student (V4)
2020-21 Verification Worksheet-Dependent Student (V4)
2019-20 Asset Verification Form
2019-20 Child Support Paid
2019-20 Child Support Received
2019-20 Cost of Attendance Worksheet
2019-20 Household Resource Form
2019-20 Low Income Form
2019-20 Room and Board Assistance Application
2019-20 Staff/Faculty Grant Application
2019-20 Student Verification
2019-20 Student Verification Addendum
2019-20 Supplemental Nutrition Assistance Program (SNAP) Form
2019-20 Untaxed Income Verification
2019-20 Verification Worksheet-Independent Student (V4)
2019-20 Verification Worksheet-Dependent Student (V4)
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