Tuition & Financial AidUndergraduate

Here, Private Education is a Value Investment

Our affordable tuition and comprehensive financial aid program makes Concordia University, St. Paul one of the best private college values in Minnesota.

Financial Aid in Three Simple Steps

  1. Apply for admission to Concordia University, St. Paul
  2. Complete the FAFSA (Free Application for Federal Student Aid)
    *The Concordia University School Code is 002347
  3. Watch for your award letter in the mail.
    Your admissions counselor will contact you to discuss your award.
Need help understanding your award?

What information can be found on my award letter?
Your award letter shows you your costs and the total amount of aid (Federal, State and CSP based aid) you qualify for in a given academic year to cover those costs. The academic year runs from fall (August 2015) through summer (July 2016).

Why does my award not show any summer aid?
Your award will only show aid for fall and spring; summer aid is awarded during the end of the spring semester for those students who enrolled for at least 6 credits and complete a summer financial aid application. The application is available in the Student Financial Services department.

How much does Concordia University cost?
Most charges are listed in the COST area of your award letter. The most common costs are tuition, room and board. The cost of tuition for a traditional student is based on the credit load taken, the costs are as follows:
1-5 credits    $600 per credit
6-11 credits    $1,213 per credit
12-19 credits    $14,250 per semester and $28,500 for the 2011-2012 academic year

Standard room and board is $3,750 per semester for students. Single room options or alternative meal plans will incur additional fees. For specific costs, please speak with the Residence Life Manager or a Student Financial Services representative.

What other charges are not listed in the cost section?
Some additional charges that can increase the tuition costs:

Music Lessons cost $200 for 30 minute lessons and $400 for an hour lesson. Classes with labs will commonly have lab fees

Reference other costs on Tuition & Fees section below or with the Student Financial Services department at
(651) 603-6300 or

How much aid have I been offered?
Offered aid is listed in two sections, Gift Aid (money that doesn’t have to be paid back) and Loans (money that you eventually repay).

Gift aid is commonly academic, athletic or departmental scholarships, as well as Federal or State grants. Since gift aid doesn’t have to be paid back, there isn’t any additional documentation needed to accept this aid.

What does my “amount remaining to pay” include?
This amount is your costs minus gift aid. This amount does not reflect any non-CSP grants and scholarships OR loans you may have applied for. This balance reflects the additional aid you need to secure to cover your balance.

How do I cover my remaining balance?
Notify the Student Financial Services department of any non-CSP scholarships and grants that you are expecting. You can deduct the scholarship amounts from the balance due and then consider if you will pay any portion out of pocket.

If you will not pay any funds out of pocket, you may consider applying for student loans to cover the remaining amount. If you are paying a portion or all of the remaining balance out of pocket, then you can make a payment via the cashier or online by credit card or from your checking or savings account. You may also want to consider a payment plan. Information on payment plans is available on the payments page. Make a payment now

Which loan do I choose? I have been offered more than one.
We offer you multiple loan programs because there are different regulations with each and some programs may be more appealing to you. Also, some loan programs have annual limits and one loan may not cover all of your costs, so you may need to apply for more than one. Specific questions can be answered by your financial aid counselor.

Do I have to accept all the loans offered?
Usually, NO! We commonly offer loan amounts above what you may need but that doesn’t mean you have to accept the offered amount. The award letter is a reflection of the MAXIMUM amount of aid you qualify for; you can request a reduction in any of the offered aid. You should only apply for the amount of loan funds you need.

When I apply for a loan, what period should it cover?
If you plan to be enrolled in both the fall and the spring semesters your student loan will be set for one disbursement each semester, if you are graduating after one semester, then you can apply for a fall-only or spring only loan.

Can I take out a loan for one semester only?
In most situations, you should apply for the loan for both semesters and the funds are sent in two equal disbursements. This way, you apply for the loan in the fall semester and funds will come in the fall and spring.

Will I receive the full amount of the loans offered to me?
One thing to remember is that with Stafford loans, and some other loans, there can be loan processing fees charged. The fee is commonly 2% of the total amount and this fee is taken out of the total loan amount. So, if you are offered and accept $3500 in Stafford funds, you will receive $3,430 for the year ($70 is the 2% loan charge), which is $1,715 per semester. Please keep that in mind when you are trying to cover your balance.

Can I include work-study funds in my aid?
Work-study funds are earned when you are hired for either an on-campus or certain selected off-campus positions. Those funds are earned as you work and are paid bi-weekly. You can chose to have your earnings paid directly to you or have them go directly towards your balance. Commonly students use the funds for miscellaneous expenses they incur. For more information on how to apply work-study funds to your balance, please speak with your financial aid counselor.

Can I buy books using my aid?
When you have more aid coming in than your costs, you have a surplus of aid. You may use those funds to pay for your books. If aid is not received yet, and as long as all the proper documentation has been completed, we can “charge” your books to your student account. To set this up, see your financial aid counselor.

Can I borrow more aid than what my costs are?
Yes, you can use any of the offered aid to assist you with any educational-related expense. For instance, many students who live off-campus use the additional funds to rent, food, gas, etc.

I have additional funds in my student account, how can I get them?
Once your funds are received and your charges are paid, your funds will be sent to you. You need to set up direct-deposit for the funds to be released to the checking or savings account of your choice. You need to complete the Direct Deposit Authorization Form and send in a savings deposit slip OR a voided check.

What is the contact information for the Student Financial Services department?
Hours: 9am – 4:30pm (Monday – Friday)
Phone: (651) 603-6300
Fax: (651) 603-6298

Tuition and Fees

Tuition and Fees
2015-2016 Fall/Spring Semesters Academic Year
Tuition (12-19 credits) $10,375 $20,750
Residence Hall / Food Services $4,150 $8,300
Totals $14,525 $29,050

*International Student Tuition listed on cost breakdown tab

Cost Breakdowns

2015-2016 Costs

Undergraduate (per credit hour, for students registered for 6-11 credits) $865
Undergraduate (per credit hour, for students registered for 1-5 credits) $460
Summer School (2016, per credit hour) $420
International Student Summer School (2015, per credit hour) $1,103
International Student Summer Fee $1,200
Auditing (per class) $175
Course overload (per credit hour, over 19 credits) $260
DCE or DCO Internship (in lieu of on-campus tuition; 12-18 credits) $10,375
Post-Baccalaureate (per credit hour) $420
International Student Tuition $27,000
International Student Fees $2,400


Optional Fees

2015-2016 Costs

Parking No charge
Single Room (Additional charge per semester) $1,125
Holst Hall Double Room (Additional charge per semester) $1,125
Extra Institutional Credit (includes credit by examination-per credit hour) $270
Colloquy Tuition Rate (per credit hour) $270
Colloquy DCO Cohort Unit Fee $640
Colloquy DCE Cohort Unit Fee $640
Colloquy Internship Fee $1,280
Science Lab Fees (varies by course) $25 – $50
Fine Art Fees (varies by course) $25 – $50
Biology and Chemistry Research Fee (per credit hour) $100
Private Music Instruction (800 level – Weekly 30 minute private lesson) $215
Private Music Instruction (900 level – Weekly 1 hour private lesson) $430
Required Fees
Application for Admission $30
Credentials $8
Transcript(s) $7*
*$10 additional fee if requesting a faxed copy of transcript
Note: Transcripts are only released by written request of the person who received credit at Concordia University. Requests may be sent via mail, fax, or the student may fill out a form in the registrar’s office. We regret that telephone and emailed requests cannot be honored.
Transcript Request: Allow two business days for processing. Transcripts are $7 each. Transcripts can be faxed for an additional $10.


Tuition Deposit:
The tuition deposit is applied toward the first semester costs and is not a separate fee. The tuition deposit is non-refundable after May 1.
Residence Hall Damage Deposit:
The residence hall damage deposit is to be paid with initial residence hall application and must be received before a housing assignment is made and residence hall keys issued. The damage deposit will be refunded to the resident upon cancellation or separation from the university, provided the cancellation deadline was met and there is no balance due on the student’s account. Specific criteria for the return of the damage deposit are outlined in the residence hall housing agreement.
Residence Hall Down Payment for Returning Students:
The residence hall down payment is paid by students when re-applying for housing for the next academic year. The down payment is credited to fall semester room and board charge. It is not refundable after May 1.
Apartment Damage  Deposit:
The apartment damage deposit is to be paid after student’s apartment application has been approved and before keys are issued. Specific criteria for the return of the apartment damage deposit are outlined in the apartment housing agreement.




Net Price Calculators

Calculating the Cost of Your Education

Concordia provides several calculators that may be helpful for you to use as you work to determine the cost of your education.

Financial Aid Process F.A.Q.

What is the deadline for financial aid?

To get the most accurate picture of a student’s financial aid award, it is preferable for parents to complete the FAFSA after they have filed their federal tax return. The earliest students and their families may apply for financial aid is January 1. Awarding begins in March so it is best to apply for financial aid before the May 1 priority deadline to ensure full consideration for all financial aid. Also, the earlier students and their families apply for financial aid, the sooner they will receive their award package.

What is included in a typical financial aid package at Concordia?

A typical financial aid package starts with the Expected Family Contribution. From that point, Concordia University will award institutional grants and scholarships, federal grants and scholarships and Minnesota State Grants (residents only). Campus work-study and student loans also will be awarded to meet demonstrated financial need only. The PLUS loan, a loan for parents and private education loan options will be presented if additional help is needed.

How long does it take to receive the financial aid package?

Students must be admitted to Concordia University and have completed a FAFSA. Approximately 10 days after the application file is complete students can expect to receive their financial aid award package.

Why is an FSA ID needed for the FAFSA and where do I get it?

Students, parents, and borrowers are required to use an FSA ID, made up of a username and password, to access certain U.S. Department of Education websites. Your FSA ID is used to confirm your identity when accessing your financial aid information and electronically signing your federal student aid documents. The FSA ID replaced the Federal Student Aid PIN on May 10, 2015. Learn more and create your ID here:

When is financial aid applied to the student account?

Grant money is applied to student accounts on the first day of classes. Federal loan money is applied to student accounts following the drop-add period. Private loans are disbursed as soon as all requirements are met.

What happens to any "left over" money in the student account?

If a credit balance remains after all tuition and fees have been paid for the semester, students receive the overage within 14 days. Overages are determined after the drop/add deadline.

I've been selected for Federal Verification

What does this mean?

Verification is a process that all universities receiving federal aid are required to complete. The purpose of verification is not to find fraudulent FAFSA applicants, but to find and correct common mistakes made during the filing of the FAFSA. If the verification process is not completed, a student will not be considered for any need-based financial aid.

To Complete This Step:

  • Submit a copy of the Federal Verification Worksheet and a copy of the previous year’s tax information.
    Must be the same tax documents that were used to complete the FAFSA
  • If you are dependent and were required to submit your parent’s information on the FAFSA, you will need to submit a copy of yours and your parent’s tax information.

Contact Student Financial Services

Student Financial Services is located in the Lutheran Memorial Center on Concordia’s campus.

Phone: (651) 603-6300
Fax: (651) 603-6298