College ROI

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Montana State University-Northern

Havre, MT 761 Undergrads 39.9% Grad Rate
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Total Cost
$19,380
Sticker Price
Avg Net Price
$14,686
After Aid
Median Earnings
$57,614
5yr Post-Grad

Vs. Peer Institutions

Net Price$14,686
Peer Midpoint: $19,969
Earnings (5yr Post-Grad)Completers only after graduation
$57,614
Peer Midpoint: $61,632
Earnings (10yr Post-Enroll)All enrolled after enrollment
$52,907
Peer Midpoint: $58,891
Graduation Rate39.9%
Peer Midpoint: 58.9%
Warning: The majority of students at this institution do not graduate. Non-completers typically earn significantly less and face higher debt risks.
Average starting age (2015-17)23.9
Socio-Economic Diversity
Pell Grant Recipients43.1%
Enrollment Status
Full-Time84.8%
Economic Outcomes
Earn More than HS67.0%

Admissions Profile

Acceptance
100.0%
SAT Avg
-
SAT Reading
25th: --75th: -
SAT Math
25th: --75th: -
ACT Composite
25th: --75th: -

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
+$510k
+$40k
+$23k
Median Cost$15k/yr
+$457k
-$13k
-$30k
Full Cost$19k/yr
+$440k
-$30k
-$46k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
45
∞
Median Cost$15k/yr
Never
-56%
Full Cost$19k/yr
Never
-67%
Analysis Assumptions:
  • Starting Salary: Estimated from the median earnings five years after graduating, with four years of 2% raises taken out.⚠️ Warning: The high average starting age or low completion rate may inflate the Median earnings and ROI shown.
  • 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-17%

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-49%

Program ROI Analysis

These figures are medians for past graduates who received federal aid. Your cost and pay will differ. Run your own numbers in the Guided ROI Interview →

Certificates

Median Debt
$8,668
Earnings (4yr)
-
Natl Median: $48,702
Lifetime Value Added
N/A
Vehicle Maintenance and Repair Technologies/Technicians
CertCIP: 4706
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,586
Lifetime Value Added
N/A

Associate's Degrees

Median Debt
-
Earnings (4yr)
-
Natl Median: $47,825
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,712
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $48,733
Lifetime Value Added
N/A
Education, General
AssocCIP: 1301
Median Debt
-
Earnings (4yr)
-
Natl Median: $41,787
Lifetime Value Added
N/A
Electrical/Electronic Engineering Technologies/Technicians
AssocCIP: 1503
Median Debt
-
Earnings (4yr)
$57,489
Natl Median: $67,792
Lifetime Value Added
+$95k
Median Debt
-
Earnings (4yr)
-
Natl Median: $67,499
Lifetime Value Added
N/A
Median Debt
$17,252
Earnings (4yr)
$70,933
Natl Median: $80,813
Lifetime Value Added
+$220k
Vehicle Maintenance and Repair Technologies/Technicians
AssocCIP: 4706
Median Debt
-
Earnings (2yr)
$35,060
Natl Median: $58,424
Lifetime Value Added
-$115k

Bachelor's Degrees

Biology, General
BachCIP: 2601
Median Debt
-
Earnings (4yr)
-
Natl Median: $57,214
Lifetime Value Added
N/A
Median Debt
$18,204
Earnings (2yr)
$39,369
Natl Median: $68,257
Lifetime Value Added
-$161k
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,936
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$61,748
Natl Median: $55,378
Lifetime Value Added
+$13k
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,490
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,072
Lifetime Value Added
N/A
Median Debt
-
Earnings (5yr)
$85,366
Natl Median: $88,910
Lifetime Value Added
+$183k
Sports, Kinesiology, and Physical Education/Fitness
BachCIP: 3105
Median Debt
-
Earnings (4yr)
-
Natl Median: $54,562
Lifetime Value Added
N/A
Median Debt
-
Earnings (5yr)
$39,566
Natl Median: $47,382
Lifetime Value Added
-$180k
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,389
Lifetime Value Added
N/A
Vehicle Maintenance and Repair Technologies/Technicians
BachCIP: 4706
Median Debt
-
Earnings (5yr)
$76,414
Natl Median: $80,809
Lifetime Value Added
+$116k

Master's Degrees

Median Debt
-
Earnings (2yr)
$51,607
Natl Median: $60,111
Lifetime Value Added
-$200k
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,707
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.