Saint Michael's College
Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.
ROI Summary
Total 4-Year Cost
$200,160
In-state tuition x 4
Earnings Premium
$11,898/yr
vs high school diploma avg
Break-Even Point
16.8 years
After graduation
20-Year ROI
19%
Return on investment
ROI Analysis
Saint Michael's College has an in-state tuition of $50,040. One year after graduation, alumni earn a median of $40,302. Five years after graduation, earnings increase to $46,898, and ten years after, earnings rise to $61,317. The median debt for graduates is $26,922, and 58.3% of students receive financial aid.
The debt-to-income ratio for graduates is approximately 67% one year after graduation, calculated by dividing the median debt by the one-year earnings. The ratio decreases to about 57% five years after graduation, and to about 44% ten years after.
Based on the provided data, it would take approximately 2.5 years for a graduate to earn an amount equal to their median debt, assuming they earn the one-year post-graduation salary and do not have any other expenses.
Generated from College Scorecard & IPEDS data
The Numbers
Annual Tuition (In-State)
$50,040
Median Debt at Graduation
$26,922
Median Earnings (5yr)
$46,898
Graduation Rate
72%
Receive Financial Aid
58%
Avg Aid Amount
$0
Program-Level ROI
| Program | 4yr Cost | Median Earnings (5yr) | Est. 20yr ROI |
|---|---|---|---|
| Business Administration, Management and Operations. | $200,160 | $54,119 | 91% |
| Education, General. | $200,160 | $0 | N/A |
| Psychology, General. | $200,160 | $41,738 | -33% |
| Biology, General. | $200,160 | $51,536 | 65% |
| Teacher Education and Professional Development, Specific Levels and Methods. | $200,160 | $44,687 | -3% |
| Natural Resources Conservation and Research. | $200,160 | $37,716 | -73% |
| English Language and Literature, General. | $200,160 | $35,294 | -97% |
| Communication and Media Studies. | $200,160 | $46,635 | 16% |
| Teaching English or French as a Second or Foreign Language. | $200,160 | $0 | N/A |
| Political Science and Government. | $200,160 | $55,914 | 109% |
| Economics. | $200,160 | $57,722 | 127% |
| Sociology. | $200,160 | $44,045 | -10% |
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.