Helping You Discover Affordable Options


Cost and Aid

What one family perceives as affordable may seem out of reach for another. But through generous financial aid packages, scholarships, federal and state grants, and work study programs, we'll work with you to develop a plan that meets your needs.

A St. Ambrose University education is an investment in yourself. Our personalized learning environment means you'll get more out of your coursework and a greater return on your investment based on lifetime earnings.




The last thing any student wants to leave college with is a mountain of student loan debt. Our financial aid programs are designed to make college affordable ... before and after graduation.

Learn More


First-year students receive more than $19,000 in financial aid from various sources.


A St. Ambrose Education is definitely worth it.

Learn how we can customize packages that maximize financial aid to help defray your direct costs as a residential student, plus look into our various payment plans and institutional scholarships.

Scholarships Complete the Free Application for Federal Student Aid (FAFSA)

fighting bees

Athletic Scholarships

Wanted: Outstanding Student-Athletes

You may qualify for a scholarship due to your talent in athletics. The award varies and is based on performance and ability. Contact us to see if you're eligible.

Are You Game?

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, of course.

2019-20 Tuition and Costs

General Information

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.

Undergraduate Tuition

2019-20 Tuition

Full-time (12-18 credits): $31,532/year; $15,766/semester

Part-time (1-11 credits): $970/credit hour (16-week courses); $580/credit hour (accelerated courses)

Undergraduate Fees

2019-20 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)
Matriculation $75

Graduate Fees

2019-20 Fees

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)

Graduate Assistantships

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.

Adult Accelerated Tuition and Aid

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!

2019-20 Tuition

  • $580/credit hour accelerated courses
  • $970/credit hour 16-week courses
  • $464/credit hour/100% online programs*

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

Financial Aid

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 sampling of the minimum credit hours required:

  • Pell Grant - 1
  • Iowa Tuition Grant - 3
  • Federal Loans - 6
  • SAU academic scholarship - 12

Many of our adult students are working professionals whose educational goals are supported by their employers. Find out if your company offers tuition reimbursement or other incentives, and let us know. We can defer your tuition payment until you are reimbursed. We also have agreements with several regional companies and give their employees discounted tuition. Those companies include:

  • Genesis
  • Trinity
  • Deere & Company
  • Rock Island Arsenal
  • Mid-American Energy
  • TAS Group

*Students attending seated courses will incur an additional $60 per credit hour fee for online classes.

Housing and Meal Plan Costs


2019-20 per semester

  • Traditional Hall, double (Davis double, Davis single): $2,495
  • Traditional Hall, double (Cosgrove): $2,995
  • Traditional Hall, double (Bechtel, Franklin, North, Rohlman): $3,435
  • Preferred Housing, double or single (Houses): $3,835
  • Preferred Housing, double (Tiedemann, townhouse, McCarthy): $3,940
  • Preferred Housing, single (North): $4,080
  • Preferred Housing, single (Hagen): $4,270
  • Super Single* (for students who want to be the sole occupant in a double room)
    • Davis: $3,290
    • Cosgrove: $3,790
    • Bechtel, Franklin, North Traditional, Rohlman: $4,230
    • Tiedemann, Townhouse, McCarthy: $4,920

*When available
Housing Deposit: $250

Meal Plans

  • 7 Meals + $100 spending/per semester: $1,590
  • 10 Meals + $100 spending/per semester: $1,935
  • 14 Meals + $100 spending/per semester: $2,140
  • 19 Meals + $100 spending/per semester: $2,320
  • Flex 160 + $100 spending/per semester: $2,220

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

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.

Award Letter

Your Next Steps

You've got your award letter. Now what? Follow these easy steps:

  1. Read and understand the factors below that may affect your financial aid.
  2. Maintain satisfactory progress towards your degree. Changes in your enrollment also will affect your financial aid. Click here to review the Satisfactory Academic Progress Policy.
  3. It is not necessary to formally accept your award letter; we will 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 or call our office at 563-333-5775.
  4. If there is a Federal Direct Subsidized or Unsubsidized loan listed on your award letter, be sure you follow through with the Direct Loan Process. 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)

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

If you have work study listed on your award letter, you will need to contact the Career Center in order 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.

Federal Perkins Loans are processed through the Student Accounts Office. Visit the Federal Perkins Loans page for more information.

Award Terms

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.

Institutional Aid

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 based 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

If you are receiving assistance under the work study program, you must understand that the amount shown on your award letter is the amount we expect you 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.

Endowed Scholarships

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:

Phone: 877-557-2575

Fax: 606-396-4821

U.S. Department of Education
FSA Ombudsman Group
Box 1843
Monticello, KY 42633


Meet Our Staff

Financial Aid

Julie Haack, Director of Financial Aid

Greg Geistkemper, Associate Director of Financial Aid

Alvin Vesey, Financial Aid Specialist

Brandi Solis, Financial Aid Counselor

Julie Rodriguez, Financial Aid Counselor

So, what's next?

Are you ready to take the next step? St. Ambrose offers more than 60 programs and 29 athletic teams and sports to join on campus. Become an Ambrosian today!