Harding University
Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.
ROI Summary
Total 4-Year Cost
$99,552
In-state tuition x 4
Earnings Premium
$8,555/yr
vs high school diploma avg
Break-Even Point
11.6 years
After graduation
20-Year ROI
72%
Return on investment
ROI Analysis
The annual tuition at Harding University is $24,888. One year after graduation, alumni earn a median of $40,752. Five years after graduation, the median earnings increase to $43,555, and after ten years, the median earnings are $52,876. The median debt for Harding University graduates is $26,500.
The debt-to-income ratio can be calculated using the median debt and the one-year earnings. The ratio is approximately 0.65. This is calculated by dividing the median debt of $26,500 by the one-year earnings of $40,752.
To determine the break-even point, the median debt can be divided by the difference between the one-year earnings and the annual tuition cost. The break-even point is approximately 3.7 years. This is calculated by subtracting the tuition cost of $24,888 from the one-year earnings of $40,752, resulting in $15,864. Then, the median debt of $26,500 is divided by $15,864.
Generated from College Scorecard & IPEDS data
The Numbers
Annual Tuition (In-State)
$24,888
Median Debt at Graduation
$26,500
Median Earnings (5yr)
$43,555
Graduation Rate
70%
Receive Financial Aid
40%
Avg Aid Amount
$0
Program-Level ROI
| Program | 4yr Cost | Median Earnings (5yr) | Est. 20yr ROI |
|---|---|---|---|
| Teacher Education and Professional Development, Specific Levels and Methods. | $99,552 | $41,588 | 32% |
| Accounting and Related Services. | $99,552 | $74,273 | 689% |
| Student Counseling and Personnel Services. | $99,552 | $49,969 | 201% |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing. | $99,552 | $64,290 | 488% |
| Pharmacy, Pharmaceutical Sciences, and Administration. | $99,552 | $0 | N/A |
| Teacher Education and Professional Development, Specific Levels and Methods. | $99,552 | $44,902 | 99% |
| Liberal Arts and Sciences, General Studies and Humanities. | $99,552 | $43,353 | 68% |
| Communication Disorders Sciences and Services. | $99,552 | $52,796 | 258% |
| Health and Physical Education/Fitness. | $99,552 | $53,747 | 277% |
| Teacher Education and Professional Development, Specific Subject Areas. | $99,552 | $40,433 | 9% |
| Allied Health Diagnostic, Intervention, and Treatment Professions. | $99,552 | $109,264 | 1392% |
| Psychology, General. | $99,552 | $42,268 | 46% |
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.