College ROI

Smarter Choices, Brighter Futures
Back to Colleges

Grace College and Theological Seminary

Winona Lake, IN 1,464 Undergrads 67.0% Grad Rate
School Website|Financial Calculator
Share
Total Cost
$41,838
Sticker Price
Avg Net Price
$19,932
After Aid
Median Earnings
$49,126
4yr Post-Grad

Vs. Peer Institutions

Net Price$19,932
Peer Midpoint: $20,081
Earnings (4yr Post-Grad)Completers only after graduation
$49,126
Peer Midpoint: $60,428
Earnings (10yr Post-Enroll)All enrolled after enrollment
$45,411
Peer Midpoint: $53,763
Graduation Rate67.0%
Peer Midpoint: 58.9%
Average Starting Age22.9
Socio-Economic Diversity
Pell Grant Recipients33.4%
Enrollment Status
Full-Time98.5%
Economic Outcomes
Earn More than HS72.1%

Admissions Profile

Acceptance
82.2%
SAT Avg
1,119
SAT Reading
25th: 51056075th: 610
SAT Math
25th: 49054575th: 590
ACT Composite
25th: 212375th: 27

ROI Sensitivity Analysis
Assuming 4 Years to Graduation

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
+$446k
-$21k
-$38k
Median Cost$20k/yr
+$375k
-$92k
-$110k
Full Cost$42k/yr
+$296k
-$171k
-$189k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
Never
-∞
Median Cost$20k/yr
Never
-153%
Full Cost$42k/yr
Never
-125%
Analysis Assumptions:
  • Starting Salary: Estimated from the 4-year post-graduation 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-132%

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-93%
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, or for more sophisticated analysis, the Guided ROI Interview, with your specific estimates of cost and salary.

Program ROI Analysis

Associate's Degrees

Median Debt
-
Earnings (5yr)
$37,632
Natl Median: $44,125
Lifetime Value Added
-$120k

Bachelor's Degrees

Median Debt
$19,500
Earnings (4yr)
$65,541
Natl Median: $76,194
Lifetime Value Added
+$23k
Median Debt
-
Earnings (5yr)
$43,475
Natl Median: $44,533
Lifetime Value Added
-$165k
Median Debt
-
Earnings (4yr)
-
Natl Median: $58,891
Lifetime Value Added
N/A
Biology, General
BachCIP: 2601
Median Debt
-
Earnings (4yr)
-
Natl Median: $57,214
Lifetime Value Added
N/A
Median Debt
$18,097
Earnings (4yr)
$66,597
Natl Median: $68,257
Lifetime Value Added
+$32k
Median Debt
-
Earnings (4yr)
-
Natl Median: $68,407
Lifetime Value Added
N/A
Chemistry
BachCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,120
Lifetime Value Added
N/A
Median Debt
$19,500
Earnings (4yr)
$39,291
Natl Median: $50,523
Lifetime Value Added
-$194k
Median Debt
-
Earnings (4yr)
-
Natl Median: $56,359
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $58,894
Lifetime Value Added
N/A
Median Debt
$23,250
Earnings (4yr)
$42,932
Natl Median: $55,378
Lifetime Value Added
-$162k
Median Debt
-
Earnings (4yr)
$51,338
Natl Median: $51,490
Lifetime Value Added
-$91k
Education, Other
BachCIP: 1399
Median Debt
-
Earnings (4yr)
-
Natl Median: $49,113
Lifetime Value Added
N/A
Engineering Physics
BachCIP: 1412
Median Debt
-
Earnings (4yr)
$74,337
Natl Median: $89,154
Lifetime Value Added
+$91k
Median Debt
-
Earnings (4yr)
-
Natl Median: $48,590
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,027
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $43,765
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $83,343
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $41,367
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,911
Lifetime Value Added
N/A
History
BachCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $50,680
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $56,726
Lifetime Value Added
N/A
Median Debt
$13,772
Earnings (4yr)
$40,727
Natl Median: $48,597
Lifetime Value Added
-$181k
Median Debt
-
Earnings (4yr)
-
Natl Median: $73,201
Lifetime Value Added
N/A
Journalism
BachCIP: 0904
Median Debt
-
Earnings (4yr)
-
Natl Median: $56,278
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $49,984
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $83,290
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $86,176
Lifetime Value Added
N/A
Marketing
BachCIP: 5214
Median Debt
$19,500
Earnings (4yr)
$54,734
Natl Median: $69,303
Lifetime Value Added
-$63k
Mathematics
BachCIP: 2701
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,562
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $40,103
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $50,532
Lifetime Value Added
N/A
Music
BachCIP: 5009
Median Debt
-
Earnings (4yr)
-
Natl Median: $42,892
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,012
Lifetime Value Added
N/A
Median Debt
$23,375
Earnings (4yr)
$44,733
Natl Median: $42,915
Lifetime Value Added
-$147k
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,293
Lifetime Value Added
N/A
Psychology, General
BachCIP: 4201
Median Debt
$20,500
Earnings (4yr)
$44,424
Natl Median: $50,706
Lifetime Value Added
-$150k
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,560
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,000
Lifetime Value Added
N/A
Sociology
BachCIP: 4511
Median Debt
-
Earnings (4yr)
-
Natl Median: $52,657
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$50,212
Natl Median: $50,499
Lifetime Value Added
-$101k
Sports, Kinesiology, and Physical Education/Fitness
BachCIP: 3105
Median Debt
$23,250
Earnings (4yr)
$42,123
Natl Median: $54,562
Lifetime Value Added
-$169k
Median Debt
-
Earnings (4yr)
-
Natl Median: $88,036
Lifetime Value Added
N/A
Median Debt
$15,250
Earnings (4yr)
$48,406
Natl Median: $47,382
Lifetime Value Added
-$116k
Median Debt
-
Earnings (5yr)
$45,869
Natl Median: $51,389
Lifetime Value Added
-$145k

Master's Degrees

Median Debt
-
Earnings (5yr)
$46,395
Natl Median: $53,358
Lifetime Value Added
-$287k
Median Debt
$25,203
Earnings (4yr)
$66,779
Natl Median: $103,485
Lifetime Value Added
-$88k
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,685
Lifetime Value Added
N/A
Median Debt
$55,130
Earnings (4yr)
$55,598
Natl Median: $59,571
Lifetime Value Added
-$190k
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,204
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,024
Lifetime Value Added
N/A
Median Debt
-
Earnings (2yr)
$76,460
Natl Median: $103,243
Lifetime Value Added
+$24k
Sports, Kinesiology, and Physical Education/Fitness
MastCIP: 3105
Median Debt
-
Earnings (4yr)
-
Natl Median: $62,033
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $111,527
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,300
Lifetime Value Added
N/A

Note: Lifetime Value Added is the Net Present Value (NPV) of estimated career earnings relative to a median high school graduate (for undergraduate programs) or a median bachelor's degree holder (for graduate programs), 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 decision moving forward. Note that the institution's average undergraduate net price is used as a proxy for annual cost, which may differ from actual graduate tuition. These Lifetime Value Added results for graduate degrees should not be compared with those for Undergraduate Certificates, Associates or Bachelors.

Completers Only: Federal median earnings data strictly reflects outcomes for students who successfully graduated. Students who do not complete their degree typically earn significantly less and face higher risks of debt default.