Calvary University
Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.
ROI Summary
Total 4-Year Cost
$54,768
In-state tuition x 4
Earnings Premium
$-1,856/yr
vs high school diploma avg
Break-Even Point
N/A years
After graduation
20-Year ROI
-168%
Return on investment
ROI Analysis
One year after graduation, Calvary University alumni earn a median of $28,610, which is more than double the in-state tuition cost of $13,692. Five years after graduation, earnings increase to $33,144, and after ten years, earnings reach $45,421. The median debt for graduates is $20,839.
Based on the provided data, the debt-to-income ratio for a graduate one year after graduation is approximately 73%. This is calculated by dividing the median debt of $20,839 by the one-year earnings of $28,610.
The break-even point, or the time it takes for a graduate to earn the equivalent of their tuition cost, is less than one year. This is determined by comparing the tuition cost of $13,692 to the one-year earnings of $28,610.
Generated from College Scorecard & IPEDS data
The Numbers
Annual Tuition (In-State)
$13,692
Median Debt at Graduation
$20,839
Median Earnings (5yr)
$33,144
Graduation Rate
55%
Receive Financial Aid
27%
Avg Aid Amount
$0
Program-Level ROI
| Program | 4yr Cost | Median Earnings (5yr) | Est. 20yr ROI |
|---|---|---|---|
| Business Administration, Management and Operations. | $54,768 | $0 | N/A |
| Pastoral Counseling and Specialized Ministries. | $54,768 | $0 | N/A |
| Bible/Biblical Studies. | $54,768 | $0 | N/A |
| Bible/Biblical Studies. | $54,768 | $0 | N/A |
| Educational Administration and Supervision. | $54,768 | $0 | N/A |
| Multi/Interdisciplinary Studies, Other. | $54,768 | $0 | N/A |
| Theological and Ministerial Studies. | $54,768 | $0 | N/A |
| Teacher Education and Professional Development, Specific Levels and Methods. | $54,768 | $0 | N/A |
| Drama/Theatre Arts and Stagecraft. | $54,768 | $0 | N/A |
| Bible/Biblical Studies. | $54,768 | $0 | N/A |
| Theological and Ministerial Studies. | $54,768 | $0 | N/A |
| Music. | $54,768 | $0 | N/A |
Peer Comparison
Financial Aid Impact
Before Aid
After Aid (Estimated)
Methodology
ROI calculations are based on data from the U.S. Department of Education College Scorecard. The earnings premium is calculated as the difference between median graduate earnings and the national average earnings for high school diploma holders ($35,000).
The 20-year ROI formula: ((Earnings Premium x 20) - Total Cost) / Total Cost x 100. Break-even point: Total Cost / Annual Earnings Premium. All figures use in-state tuition and do not account for inflation, opportunity cost, or financial aid variations.