College ROI

Smarter Choices, Brighter Futures
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California State University-Monterey Bay

Seaside, CA 5,811 Undergrads 72.3% Grad Rate
Share
Total Cost
$26,017
Sticker Price
Avg Net Price
$14,487
After Aid
Median Earnings
$59,247
10yr Post-Entry

Vs. Peer Institutions

Net Price$14,487
Peer Midpoint: $19,729.5
Earnings (10yr)$59,247
Peer Midpoint: $53,747
Graduation Rate72.3%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients44.3%
Enrollment Status
Full-Time88.8%
Economic Outcomes
Earn More than HS73.8%

Admissions Profile

Acceptance
94.8%
SAT Avg
-
SAT Reading
25th: --75th: -
SAT Math
25th: --75th: -
ACT Composite
25th: --75th: -

ROI Sensitivity Analysis

This analysis tests three cost scenarios (Scholarship, Average Net Price, Full Sticker Price) to show how college costs impact your long-term return compared to the average student and a high school graduate.

Lifetime Value Added (NPV)

Institution Lifetime NPV
Vs Median Peer
Vs HS Grad
Zero Cost (Scholarship)$0
+$511k
+$115k
+$27k
Median Cost$14k/yr
+$459k
+$62k
-$26k
Full Cost$26k/yr
+$417k
+$21k
-$67k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
44
Median Cost$14k/yr
Never
-49%
Full Cost$26k/yr
Never
-72%
Analysis Assumptions:
  • Starting Salary: Estimated from the 10-year median earnings (assuming 2% annual growth from graduation).
  • Comparisons: "Vs Median Peer" compares to the median student nationwide in a similar level program. "Vs HS Grad" compares to a median high school graduate.
  • Break-Even: The age at which the college investment net income exceeds the median high school graduate's lifetime earnings.
  • NPV: Net Present Value of all future earnings minus costs and taxes, discounted at 7.8%.

Social Impact ROINew

Measures the societal return on a donor's investment. Calculated as the incremental pre-tax lifetime earnings vs. HS grad, divided by the tax-adjusted donation cost.

Donor Return-31%

Gov. Pell Grant ROINew

Measures the government's return on Pell Grants via increased tax revenue. Calculated as the portion of incremental lifetime taxes (discounted at 5.4%) attributed to the Pell Grant investment.

Taxpayer Return-59%
Important Note: Your ROI with any major will depend on the cost you pay to attend the program, and your starting salary. Both vary significantly across institutions. We encourage you to explore the ROI of a specific program variant by selecting the Program title of the credential level you are interested in. You will then have a more detailed return analysis for programs at specific institutions. We also encourage you to use the ROI calculator with your specific estimates of cost and salary.

Program ROI Analysis

Bachelor's Degrees

Biology, General
BachCIP: 2601
Median Debt
$19,000
Earnings (5yr)
$45,572
Lifetime Value Added
-$128k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$13,000
Earnings (5yr)
$72,547
Lifetime Value Added
+$86k
Computer and Information Sciences, General
BachCIP: 1101
Median Debt
-
Earnings (5yr)
$93,147
Lifetime Value Added
+$240k
Computer Science
BachCIP: 1107
Median Debt
$16,022
Earnings (5yr)
$86,576
Lifetime Value Added
+$191k
Design and Applied Arts
BachCIP: 5004
Median Debt
$13,902
Earnings (5yr)
$56,342
Lifetime Value Added
-$39k
Fine and Studio Arts
BachCIP: 5007
Median Debt
$14,895
Earnings (5yr)
$43,249
Lifetime Value Added
-$147k
Health and Physical Education/Fitness
BachCIP: 3105
Median Debt
$12,795
Earnings (5yr)
$59,223
Lifetime Value Added
-$16k
Human Services, General
BachCIP: 4400
Median Debt
$13,750
Earnings (5yr)
$57,518
Lifetime Value Added
-$30k
Liberal Arts and Sciences, General Studies and Humanities
BachCIP: 2401
Median Debt
$13,322
Earnings (5yr)
$54,702
Lifetime Value Added
-$53k
Marine Sciences
BachCIP: 3032
Median Debt
$17,149
Earnings (5yr)
$45,771
Lifetime Value Added
-$126k
Mathematics
BachCIP: 2701
Median Debt
$16,500
Earnings (5yr)
$64,436
Lifetime Value Added
+$24k
Natural Resources Conservation and Research
BachCIP: 0301
Median Debt
$16,500
Earnings (5yr)
$53,883
Lifetime Value Added
-$59k
Psychology, General
BachCIP: 4201
Median Debt
$11,000
Earnings (5yr)
$54,215
Lifetime Value Added
-$57k
Radio, Television, and Digital Communication
BachCIP: 0907
Median Debt
$15,250
Earnings (5yr)
$46,621
Lifetime Value Added
-$119k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
BachCIP: 5138
Median Debt
$5,500
Earnings (5yr)
$132,226
Lifetime Value Added
+$531k
Romance Languages, Literatures, and Linguistics
BachCIP: 1609
Median Debt
-
Earnings (2yr)
$24,615
Lifetime Value Added
-$293k
Social Sciences, General
BachCIP: 4501
Median Debt
$11,000
Earnings (5yr)
$52,537
Lifetime Value Added
-$70k

Master's Degrees

Business Administration, Management and Operations
MastCIP: 5202
Median Debt
$41,069
Earnings (5yr)
$106,856
Lifetime Value Added
+$472k
Education, General
MastCIP: 1301
Median Debt
$16,750
Earnings (5yr)
$86,306
Lifetime Value Added
+$295k
Educational/Instructional Media Design
MastCIP: 1305
Median Debt
$14,540
Earnings (2yr)
$71,957
Lifetime Value Added
+$210k
Social Work
MastCIP: 4407
Median Debt
$25,500
Earnings (5yr)
$84,843
Lifetime Value Added
+$283k

Note: Lifetime Value Added is the Net Present Value (NPV) of estimated career earnings relative to a median high school graduate, accounting for this institution's average cost and taxes. Computed over a career to retirement age.

For graduate programs (Master's, Doctoral, etc.), the calculation assumes a starting age of 22 (after undergraduate completion) and does not include the sunk costs of prior degrees. It represents the value added of the graduate degree decision moving forward. These Lifetime Value Added results should not be compared with those Undergraduate Certificates, Associates or Bachelors starting at age 18.