College ROI

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Saint Mary's University of Minnesota

Winona, MN 1,073 Undergrads 68.8% Grad Rate
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Total Cost
$59,500
Sticker Price
Avg Net Price
$20,422
After Aid
Median Earnings
$68,582
5yr Post-Grad

Vs. Peer Institutions

Net Price$20,422
Peer Midpoint: $19,969
Earnings (5yr Post-Grad)Completers only after graduation
$68,582
Peer Midpoint: $61,632
Earnings (10yr Post-Enroll)All enrolled after enrollment
$68,708
Peer Midpoint: $58,891
Graduation Rate68.8%
Peer Midpoint: 58.9%
Average starting age (2015-17)25.4
Warning: High average starting age indicates non-traditional students with prior work experience, which may inflate the median earnings shown.
Socio-Economic Diversity
Pell Grant Recipients28.8%
Enrollment Status
Full-Time81.9%
Economic Outcomes
Earn More than HS81.6%

Admissions Profile

Acceptance
92.8%
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
+$596k
+$126k
+$110k
Median Cost$20k/yr
+$523k
+$53k
+$36k
Full Cost$60k/yr
+$382k
-$88k
-$104k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
32
∞
Median Cost$20k/yr
46
50%
Full Cost$60k/yr
Never
-49%
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-1%

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-64%

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 →

Bachelor's Degrees

Median Debt
-
Earnings (4yr)
$73,887
Natl Median: $76,194
Lifetime Value Added
+$88k
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Median Debt
$20,000
Earnings (4yr)
-
Natl Median: $70,786
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,466
Lifetime Value Added
N/A
Biology, General
BachCIP: 2601
Median Debt
-
Earnings (2yr)
$47,118
Natl Median: $57,214
Lifetime Value Added
-$113k
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Median Debt
$19,585
Earnings (4yr)
$74,942
Natl Median: $68,257
Lifetime Value Added
+$96k
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Median Debt
-
Earnings (5yr)
$57,272
Natl Median: $69,830
Lifetime Value Added
-$53k
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Median Debt
-
Earnings (2yr)
$59,124
Natl Median: $68,407
Lifetime Value Added
-$9k
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Chemistry
BachCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,120
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $75,975
Lifetime Value Added
N/A
Computer Science
BachCIP: 1107
Median Debt
-
Earnings (4yr)
-
Natl Median: $107,009
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$79,464
Natl Median: $55,378
Lifetime Value Added
+$130k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $51,490
Lifetime Value Added
N/A
Median Debt
-
Earnings (2yr)
$21,052
Natl Median: $39,775
Lifetime Value Added
-$349k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $48,842
Lifetime Value Added
N/A
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)
-
Natl Median: $89,154
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $46,634
Lifetime Value Added
N/A
Median Debt
-
Earnings (2yr)
$32,925
Natl Median: $61,027
Lifetime Value Added
-$240k
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Median Debt
-
Earnings (4yr)
$74,642
Natl Median: $83,343
Lifetime Value Added
+$94k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $41,367
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$66,139
Natl Median: $58,716
Lifetime Value Added
+$28k
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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
$17,764
Earnings (4yr)
$83,079
Natl Median: $68,069
Lifetime Value Added
+$158k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $48,597
Lifetime Value Added
N/A
Median Debt
-
Earnings (5yr)
$84,527
Natl Median: $85,294
Lifetime Value Added
+$156k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $73,201
Lifetime Value Added
N/A
International/Globalization Studies
BachCIP: 3020
Median Debt
-
Earnings (4yr)
-
Natl Median: $59,972
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$78,856
Natl Median: $86,176
Lifetime Value Added
+$126k
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Marketing
BachCIP: 5214
Median Debt
$21,500
Earnings (4yr)
$76,285
Natl Median: $69,303
Lifetime Value Added
+$106k
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Mathematics
BachCIP: 2701
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,562
Lifetime Value Added
N/A
Music
BachCIP: 5009
Median Debt
-
Earnings (4yr)
-
Natl Median: $42,892
Lifetime Value Added
N/A
Philosophy
BachCIP: 3801
Median Debt
-
Earnings (4yr)
-
Natl Median: $54,455
Lifetime Value Added
N/A
Physics
BachCIP: 4008
Median Debt
-
Earnings (4yr)
-
Natl Median: $76,786
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,293
Lifetime Value Added
N/A
Psychology, General
BachCIP: 4201
Median Debt
$27,000
Earnings (4yr)
$43,805
Natl Median: $50,706
Lifetime Value Added
-$157k
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Public Health
BachCIP: 5122
Median Debt
-
Earnings (4yr)
-
Natl Median: $58,808
Lifetime Value Added
N/A
Median Debt
-
Earnings (2yr)
$33,993
Natl Median: $63,560
Lifetime Value Added
-$230k
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Median Debt
-
Earnings (4yr)
$104,761
Natl Median: $88,910
Lifetime Value Added
+$323k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $41,390
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,000
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$40,804
Natl Median: $47,382
Lifetime Value Added
-$183k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $51,389
Lifetime Value Added
N/A

Master's Degrees

Median Debt
$26,683
Earnings (4yr)
$84,590
Natl Median: $95,833
Lifetime Value Added
+$69k
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Median Debt
$30,750
Earnings (4yr)
$105,165
Natl Median: $103,485
Lifetime Value Added
+$249k
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Median Debt
$45,041
Earnings (4yr)
$64,118
Natl Median: $65,184
Lifetime Value Added
-$112k
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Median Debt
-
Earnings (4yr)
$53,444
Natl Median: $63,399
Lifetime Value Added
-$213k
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Economics
MastCIP: 4506
Median Debt
-
Earnings (4yr)
$73,874
Natl Median: $100,743
Lifetime Value Added
-$25k
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Education, General
MastCIP: 1301
Median Debt
$23,766
Earnings (4yr)
$64,965
Natl Median: $65,824
Lifetime Value Added
-$105k
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Education, Other
MastCIP: 1399
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,348
Lifetime Value Added
N/A
Median Debt
$26,855
Earnings (4yr)
$76,310
Natl Median: $71,685
Lifetime Value Added
-$4k
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Median Debt
$18,000
Earnings (4yr)
$69,960
Natl Median: $70,644
Lifetime Value Added
-$60k
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Median Debt
-
Earnings (5yr)
$79,460
Natl Median: $79,784
Lifetime Value Added
+$10k
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Median Debt
$40,998
Earnings (4yr)
$86,445
Natl Median: $89,981
Lifetime Value Added
+$85k
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Median Debt
-
Earnings (4yr)
$62,697
Natl Median: $58,524
Lifetime Value Added
-$126k
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Median Debt
$39,448
Earnings (4yr)
$84,744
Natl Median: $83,558
Lifetime Value Added
+$70k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $97,121
Lifetime Value Added
N/A
Median Debt
$40,999
Earnings (4yr)
$58,266
Natl Median: $59,571
Lifetime Value Added
-$167k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $75,122
Lifetime Value Added
N/A
Median Debt
$69,003
Earnings (4yr)
$240,586
Natl Median: $120,193
Lifetime Value Added
+$1401k
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Median Debt
$35,349
Earnings (4yr)
$67,553
Natl Median: $64,397
Lifetime Value Added
-$81k
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Median Debt
-
Earnings (4yr)
$65,545
Natl Median: $63,707
Lifetime Value Added
-$99k
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Median Debt
-
Earnings (4yr)
$65,171
Natl Median: $65,767
Lifetime Value Added
-$103k
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Graduate Certificates

Median Debt
-
Earnings (4yr)
-
Natl Median: $77,692
Lifetime Value Added
N/A
Median Debt
$27,332
Earnings (4yr)
$99,345
Natl Median: $86,288
Lifetime Value Added
+$298k
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Median Debt
$48,600
Earnings (4yr)
-
Natl Median: $60,655
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,444
Lifetime Value Added
N/A

Doctoral Degrees

Median Debt
-
Earnings (4yr)
-
Natl Median: $113,566
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$89,093
Natl Median: $99,878
Lifetime Value Added
-$60k
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Median Debt
$95,464
Earnings (4yr)
$104,441
Natl Median: $100,573
Lifetime Value Added
+$54k
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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.