St. Mary's University
Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.
ROI Summary
Total 4-Year Cost
$144,968
In-state tuition x 4
Earnings Premium
$9,130/yr
vs high school diploma avg
Break-Even Point
15.9 years
After graduation
20-Year ROI
26%
Return on investment
ROI Analysis
The average in-state tuition at St. Mary's University is $36,242. One year after graduation, the median earnings are $39,558. Five years after graduation, the median earnings are $44,130, and ten years after graduation, the median earnings are $56,955. The median debt for students is $25,563, and 52.2% of students receive financial aid.
The debt-to-income ratio can be calculated using the median debt and the one-year post-graduation earnings. The debt-to-income ratio is approximately 0.65.
To calculate the break-even point, the total cost of tuition must be considered. Assuming a four-year degree, the total tuition cost is $144,968. The break-even point is calculated by dividing the total tuition cost by the difference between the one-year post-graduation earnings and the median debt. The break-even point is approximately 30 years.
Generated from College Scorecard & IPEDS data
The Numbers
Annual Tuition (In-State)
$36,242
Median Debt at Graduation
$25,563
Median Earnings (5yr)
$44,130
Graduation Rate
57%
Receive Financial Aid
52%
Avg Aid Amount
$0
Program-Level ROI
| Program | 4yr Cost | Median Earnings (5yr) | Est. 20yr ROI |
|---|---|---|---|
| Law. | $144,968 | $73,788 | 435% |
| Psychology, General. | $144,968 | $40,698 | -21% |
| Legal Research and Advanced Professional Studies. | $144,968 | $0 | N/A |
| Biology, General. | $144,968 | $44,946 | 37% |
| Business Administration, Management and Operations. | $144,968 | $0 | N/A |
| Political Science and Government. | $144,968 | $43,154 | 12% |
| Finance and Financial Management Services. | $144,968 | $75,162 | 454% |
| Health and Physical Education/Fitness. | $144,968 | $41,987 | -4% |
| Business Administration, Management and Operations. | $144,968 | $43,532 | 18% |
| Mental and Social Health Services and Allied Professions. | $144,968 | $0 | N/A |
| Marketing. | $144,968 | $46,161 | 54% |
| Computer Engineering. | $144,968 | $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.