Concordia University Texas
Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.
ROI Summary
Total 4-Year Cost
$146,760
In-state tuition x 4
Earnings Premium
$13,058/yr
vs high school diploma avg
Break-Even Point
11.2 years
After graduation
20-Year ROI
78%
Return on investment
ROI Analysis
Concordia University Texas has a high tuition cost of $36,690 for in-state students. Graduates earn a median of $56,981 one year after graduation. Five years after graduation, earnings decrease to $48,058, but increase to $60,883 ten years after graduation. The median debt for graduates is $21,852, and 66.3% of students receive financial aid.
The debt-to-income ratio can be calculated using the median debt and the one-year earnings. The ratio is approximately 0.38, indicating that the debt is a manageable portion of the initial earnings.
Based on the provided data, a simple break-even calculation can be made. Assuming the one-year earnings are used, it would take approximately 0.64 years to pay off the median debt.
Generated from College Scorecard & IPEDS data
The Numbers
Annual Tuition (In-State)
$36,690
Median Debt at Graduation
$21,852
Median Earnings (5yr)
$48,058
Graduation Rate
40%
Receive Financial Aid
66%
Avg Aid Amount
$0
Program-Level ROI
| Program | 4yr Cost | Median Earnings (5yr) | Est. 20yr ROI |
|---|---|---|---|
| Education, General. | $146,760 | $59,670 | 236% |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing. | $146,760 | $68,520 | 357% |
| Business Administration, Management and Operations. | $146,760 | $77,397 | 478% |
| Business Administration, Management and Operations. | $146,760 | $60,288 | 245% |
| Liberal Arts and Sciences, General Studies and Humanities. | $146,760 | $39,370 | -40% |
| Communication and Media Studies. | $146,760 | $45,025 | 37% |
| Teacher Education and Professional Development, Specific Levels and Methods. | $146,760 | $0 | N/A |
| Biology, General. | $146,760 | $0 | N/A |
| Business/Commerce, General. | $146,760 | $71,368 | 396% |
| Health and Physical Education/Fitness. | $146,760 | $46,907 | 62% |
| Psychology, Other. | $146,760 | $0 | N/A |
| Religious Education. | $146,760 | $0 | N/A |
Peer Comparison
78%
20yr ROI
347%
20yr ROI
36%
20yr ROI
69%
20yr ROI
69%
20yr ROI
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.