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Howard Payne University
Brownwood, TX 713 Undergrads 38.6% Grad Rate
Total Cost
$46,766
Sticker Price
Avg Net Price
$23,627
After Aid
Median Earnings
$50,567
4yr Post-Grad
Vs. Peer Institutions
Net Price$23,627
Peer Midpoint: $20,080.5
Earnings (4yr Post-Grad)$50,567
Peer Midpoint: $60,428
Graduation Rate38.6%
Peer Midpoint: 58.9%
Socio-Economic Diversity
Pell Grant Recipients46.5%
Enrollment Status
Full-Time92.7%
Economic Outcomes
Earn More than HS66.4%
Admissions Profile
Acceptance
67.4%
SAT Avg
1,026
SAT Reading
25th: 440-75th: 610
SAT Math
25th: 440-75th: 550
ACT Composite
25th: 16-75th: 27
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
+$458k
-$9k
-$26k
Median Cost$24k/yr
+$373k
-$94k
-$111k
Full Cost$47k/yr
+$290k
-$177k
-$194k
ROI Efficiency Metrics
Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
Never
-∞
Median Cost$24k/yr
Never
-131%
Full Cost$47k/yr
Never
-115%
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-116%
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-91%
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
-
Earnings (4yr)
-
Natl Median: $76,194
Lifetime Value Added
N/A
Allied Health Diagnostic, Intervention, and Treatment Professions
BachCIP: 5109
Median Debt
-
Earnings (4yr)
-
Natl Median: $70,786
Lifetime Value Added
N/A
Bible/Biblical Studies
BachCIP: 3902
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,533
Lifetime Value Added
N/A
Biology, General
BachCIP: 2601
Median Debt
-
Earnings (4yr)
-
Natl Median: $57,214
Lifetime Value Added
N/A
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$23,000
Earnings (4yr)
$54,795
Natl Median: $68,257
Lifetime Value Added
-$76k
Chemistry
BachCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,120
Lifetime Value Added
N/A
Computer and Information Sciences, General
BachCIP: 1101
Median Debt
-
Earnings (4yr)
-
Natl Median: $92,374
Lifetime Value Added
N/A
Criminology
BachCIP: 4504
Median Debt
-
Earnings (2yr)
$32,563
Natl Median: $55,556
Lifetime Value Added
-$254k
Cultural Studies/Critical Theory and Analysis
BachCIP: 3026
Median Debt
-
Earnings (4yr)
-
Natl Median: $40,892
Lifetime Value Added
N/A
Engineering Mechanics
BachCIP: 1411
Median Debt
-
Earnings (4yr)
-
Natl Median: $93,437
Lifetime Value Added
N/A
English Language and Literature, General
BachCIP: 2301
Median Debt
-
Earnings (4yr)
-
Natl Median: $48,590
Lifetime Value Added
N/A
Fine and Studio Arts
BachCIP: 5007
Median Debt
-
Earnings (4yr)
-
Natl Median: $41,367
Lifetime Value Added
N/A
History
BachCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $50,680
Lifetime Value Added
N/A
Human Development, Family Studies, and Related Services
BachCIP: 1907
Median Debt
-
Earnings (4yr)
-
Natl Median: $48,568
Lifetime Value Added
N/A
International Relations and National Security Studies
BachCIP: 4509
Median Debt
-
Earnings (4yr)
-
Natl Median: $66,596
Lifetime Value Added
N/A
Liberal Arts and Sciences, General Studies and Humanities
BachCIP: 2401
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,072
Lifetime Value Added
N/A
Marketing
BachCIP: 5214
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,303
Lifetime Value Added
N/A
Mathematics
BachCIP: 2701
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,562
Lifetime Value Added
N/A
Non-Professional Legal Studies
BachCIP: 2200
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,959
Lifetime Value Added
N/A
Pastoral Counseling and Specialized Ministries
BachCIP: 3907
Median Debt
-
Earnings (4yr)
-
Natl Median: $42,915
Lifetime Value Added
N/A
Political Science and Government
BachCIP: 4510
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,293
Lifetime Value Added
N/A
Psychology, General
BachCIP: 4201
Median Debt
-
Earnings (5yr)
$44,716
Natl Median: $50,706
Lifetime Value Added
-$168k
Public Relations, Advertising, and Applied Communication
BachCIP: 0909
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,560
Lifetime Value Added
N/A
Religious Education
BachCIP: 3904
Median Debt
-
Earnings (4yr)
-
Natl Median: $43,633
Lifetime Value Added
N/A
Romance Languages, Literatures, and Linguistics
BachCIP: 1609
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,000
Lifetime Value Added
N/A
Social Work
BachCIP: 4407
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,790
Lifetime Value Added
N/A
Sports, Kinesiology, and Physical Education/Fitness
BachCIP: 3105
Median Debt
-
Earnings (5yr)
$50,164
Natl Median: $54,562
Lifetime Value Added
-$123k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
-
Earnings (5yr)
$42,130
Natl Median: $47,382
Lifetime Value Added
-$190k
Teacher Education and Professional Development, Specific Subject Areas
BachCIP: 1313
Median Debt
$24,467
Earnings (4yr)
$56,101
Natl Median: $51,389
Lifetime Value Added
-$65k
Theological and Ministerial Studies
BachCIP: 3906
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,535
Lifetime Value Added
N/A
Master's Degrees
Business Administration, Management and Operations
MastCIP: 5202
Median Debt
$17,000
Earnings (2yr)
$57,318
Natl Median: $103,485
Lifetime Value Added
-$159k
Educational Administration and Supervision
MastCIP: 1304
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,685
Lifetime Value Added
N/A
Pastoral Counseling and Specialized Ministries
MastCIP: 3907
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,024
Lifetime Value Added
N/A
Sports, Kinesiology, and Physical Education/Fitness
MastCIP: 3105
Median Debt
-
Earnings (4yr)
-
Natl Median: $62,033
Lifetime Value Added
N/A
Theology and Religious Vocations, Other
MastCIP: 3999
Median Debt
-
Earnings (4yr)
-
Natl Median: $54,640
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 degree decision moving forward. These Lifetime Value Added results for graduate degrees should not be compared with those for Undergraduate Certificates, Associates or Bachelors.