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Saint Mary's University of Minnesota
Winona, MN 1,061 Undergrads 67.4% Grad Rate
Total Cost
$54,870
Sticker Price
Avg Net Price
$21,034
After Aid
Median Earnings
$58,170
10yr Post-Entry
Vs. Peer Institutions
Net Price$21,034
Peer Midpoint: $19,729.5
Earnings (10yr)$58,170
Peer Midpoint: $53,747
Graduation Rate67.4%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients24.0%
Enrollment Status
Full-Time81.2%
Economic Outcomes
Earn More than HS82.5%
Admissions Profile
Acceptance
88.8%
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
+$503k
+$106k
+$18k
Median Cost$21k/yr
+$427k
+$30k
-$58k
Full Cost$55k/yr
+$305k
-$91k
-$179k
ROI Efficiency Metrics
Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
47
∞
Median Cost$21k/yr
Never
-76%
Full Cost$55k/yr
Never
-91%
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-75%
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-83%
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
$24,332
Earnings (5yr)
$70,781
Lifetime Value Added
+$49k
Biology, General
BachCIP: 2601
Median Debt
-
Earnings (5yr)
$84,852
Lifetime Value Added
+$155k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$18,749
Earnings (5yr)
$78,536
Lifetime Value Added
+$107k
Business, Management, Marketing, and Related Support Services, Other
BachCIP: 5299
Median Debt
-
Earnings (5yr)
$53,776
Lifetime Value Added
-$84k
Business/Commerce, General
BachCIP: 5201
Median Debt
-
Earnings (5yr)
$86,796
Lifetime Value Added
+$169k
Criminal Justice and Corrections
BachCIP: 4301
Median Debt
-
Earnings (5yr)
$61,677
Lifetime Value Added
-$21k
Drama/Theatre Arts and Stagecraft
BachCIP: 5005
Median Debt
-
Earnings (5yr)
$34,228
Lifetime Value Added
-$247k
Entrepreneurial and Small Business Operations
BachCIP: 5207
Median Debt
-
Earnings (2yr)
$32,925
Lifetime Value Added
-$241k
Finance and Financial Management Services
BachCIP: 5208
Median Debt
$27,000
Earnings (2yr)
$50,856
Lifetime Value Added
-$82k
Health and Medical Administrative Services
BachCIP: 5107
Median Debt
$14,165
Earnings (5yr)
$76,315
Lifetime Value Added
+$91k
Human Resources Management and Services
BachCIP: 5210
Median Debt
-
Earnings (5yr)
$78,884
Lifetime Value Added
+$110k
Information Science/Studies
BachCIP: 1104
Median Debt
$14,550
Earnings (2yr)
$52,733
Lifetime Value Added
-$66k
Marketing
BachCIP: 5214
Median Debt
$15,332
Earnings (5yr)
$67,180
Lifetime Value Added
+$22k
Psychology, General
BachCIP: 4201
Median Debt
-
Earnings (5yr)
$49,575
Lifetime Value Added
-$118k
Public Relations, Advertising, and Applied Communication
BachCIP: 0909
Median Debt
-
Earnings (5yr)
$55,164
Lifetime Value Added
-$73k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
BachCIP: 5138
Median Debt
$12,500
Earnings (5yr)
$101,087
Lifetime Value Added
+$276k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
-
Earnings (2yr)
$35,772
Lifetime Value Added
-$215k
Master's Degrees
Business Administration, Management and Operations
MastCIP: 5202
Median Debt
$34,166
Earnings (5yr)
$97,412
Lifetime Value Added
+$378k
Clinical, Counseling and Applied Psychology
MastCIP: 4228
Median Debt
$46,087
Earnings (5yr)
$66,443
Lifetime Value Added
+$112k
Curriculum and Instruction
MastCIP: 1303
Median Debt
-
Earnings (5yr)
$60,809
Lifetime Value Added
+$62k
Education, General
MastCIP: 1301
Median Debt
$20,407
Earnings (5yr)
$67,771
Lifetime Value Added
+$124k
Educational Administration and Supervision
MastCIP: 1304
Median Debt
$22,944
Earnings (5yr)
$79,561
Lifetime Value Added
+$225k
Educational/Instructional Media Design
MastCIP: 1305
Median Debt
$20,500
Earnings (2yr)
$55,964
Lifetime Value Added
+$49k
Geography and Cartography
MastCIP: 4507
Median Debt
-
Earnings (5yr)
$74,727
Lifetime Value Added
+$184k
Health and Medical Administrative Services
MastCIP: 5107
Median Debt
$40,193
Earnings (5yr)
$83,038
Lifetime Value Added
+$255k
Human Development, Family Studies, and Related Services
MastCIP: 1907
Median Debt
-
Earnings (5yr)
$60,741
Lifetime Value Added
+$61k
Human Resources Management and Services
MastCIP: 5210
Median Debt
$40,998
Earnings (5yr)
$84,695
Lifetime Value Added
+$269k
Mental and Social Health Services and Allied Professions
MastCIP: 5115
Median Debt
$49,350
Earnings (5yr)
$57,786
Lifetime Value Added
+$34k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
MastCIP: 5138
Median Debt
$81,234
Earnings (5yr)
$221,819
Lifetime Value Added
+$1428k
Special Education and Teaching
MastCIP: 1310
Median Debt
$32,371
Earnings (5yr)
$69,289
Lifetime Value Added
+$137k
Teacher Education and Professional Development, Specific Subject Areas
MastCIP: 1313
Median Debt
-
Earnings (5yr)
$65,893
Lifetime Value Added
+$107k
Graduate Certificates
Educational Administration and Supervision
Gr-CertCIP: 1304
Median Debt
$27,333
Earnings (2yr)
$82,440
Lifetime Value Added
+$384k
Doctoral Degrees
Educational Administration and Supervision
DocCIP: 1304
Median Debt
$53,760
Earnings (5yr)
$107,596
Lifetime Value Added
+$276k
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.