College ROI

Smarter Choices, Brighter Futures
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Concordia College at Moorhead

Moorhead, MN 1,721 Undergrads 70.7% Grad Rate
Share
Total Cost
$43,074
Sticker Price
Avg Net Price
$25,651
After Aid
Median Earnings
$59,317
10yr Post-Entry

Vs. Peer Institutions

Net Price$25,651
Peer Midpoint: $19,729.5
Earnings (10yr)$59,317
Peer Midpoint: $53,747
Graduation Rate70.7%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients20.0%
Enrollment Status
Full-Time97.9%
Economic Outcomes
Earn More than HS82.0%

Admissions Profile

Acceptance
63.1%
SAT Avg
1,192
SAT Reading
25th: 56059575th: 730
SAT Math
25th: 60055475th: 690
ACT Composite
25th: 212375th: 28

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
+$512k
+$115k
+$27k
Median Cost$26k/yr
+$419k
+$23k
-$65k
Full Cost$43k/yr
+$357k
-$40k
-$128k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
44
Median Cost$26k/yr
Never
-71%
Full Cost$43k/yr
Never
-82%
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-58%

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-75%
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

Accounting and Related Services
BachCIP: 5203
Median Debt
$24,193
Earnings (5yr)
$78,871
Lifetime Value Added
+$93k
Biology, General
BachCIP: 2601
Median Debt
$26,250
Earnings (5yr)
$65,724
Lifetime Value Added
-$6k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$25,750
Earnings (5yr)
$80,836
Lifetime Value Added
+$108k
Chemistry
BachCIP: 4005
Median Debt
$27,000
Earnings (5yr)
$62,196
Lifetime Value Added
-$33k
Communication and Media Studies
BachCIP: 0901
Median Debt
$24,751
Earnings (5yr)
$48,764
Lifetime Value Added
-$142k
Drama/Theatre Arts and Stagecraft
BachCIP: 5005
Median Debt
-
Earnings (2yr)
$31,670
Lifetime Value Added
-$269k
English Language and Literature, General
BachCIP: 2301
Median Debt
-
Earnings (5yr)
$53,167
Lifetime Value Added
-$105k
Fine and Studio Arts
BachCIP: 5007
Median Debt
$27,000
Earnings (5yr)
$39,982
Lifetime Value Added
-$215k
Health and Physical Education/Fitness
BachCIP: 3105
Median Debt
-
Earnings (5yr)
$49,992
Lifetime Value Added
-$131k
History
BachCIP: 5401
Median Debt
-
Earnings (2yr)
$24,615
Lifetime Value Added
-$334k
International/Global Studies
BachCIP: 3020
Median Debt
$27,000
Earnings (2yr)
$30,771
Lifetime Value Added
-$277k
Mathematics
BachCIP: 2701
Median Debt
$24,187
Earnings (5yr)
$69,504
Lifetime Value Added
+$23k
Music
BachCIP: 5009
Median Debt
$27,000
Earnings (5yr)
$43,717
Lifetime Value Added
-$184k
Natural Resources Conservation and Research
BachCIP: 0301
Median Debt
-
Earnings (2yr)
$36,141
Lifetime Value Added
-$229k
Political Science and Government
BachCIP: 4510
Median Debt
$26,000
Earnings (5yr)
$50,211
Lifetime Value Added
-$130k
Psychology, General
BachCIP: 4201
Median Debt
$26,000
Earnings (5yr)
$48,960
Lifetime Value Added
-$140k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
BachCIP: 5138
Median Debt
$27,000
Earnings (5yr)
$71,761
Lifetime Value Added
+$40k
Romance Languages, Literatures, and Linguistics
BachCIP: 1609
Median Debt
$27,000
Earnings (5yr)
$50,530
Lifetime Value Added
-$127k
Social Work
BachCIP: 4407
Median Debt
$27,000
Earnings (5yr)
$57,260
Lifetime Value Added
-$72k
Sociology
BachCIP: 4511
Median Debt
-
Earnings (2yr)
$38,289
Lifetime Value Added
-$209k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
$27,000
Earnings (5yr)
$46,688
Lifetime Value Added
-$159k
Teacher Education and Professional Development, Specific Subject Areas
BachCIP: 1313
Median Debt
$27,000
Earnings (5yr)
$52,263
Lifetime Value Added
-$113k

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.