College ROI

Smarter Choices, Brighter Futures
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Southwest Minnesota State University

Marshall, MN 2,045 Undergrads 50.2% Grad Rate
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Total Cost
$22,399
Sticker Price
Avg Net Price
$14,760
After Aid
Median Earnings
$51,342
10yr Post-Entry

Vs. Peer Institutions

Net Price$14,760
Peer Midpoint: $19,729.5
Earnings (10yr)$51,342
Peer Midpoint: $53,747
Graduation Rate50.2%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients35.1%
Enrollment Status
Full-Time72.4%
Economic Outcomes
Earn More than HS74.6%

Admissions Profile

Acceptance
68.9%
SAT Avg
1,020
SAT Reading
25th: --75th: -
SAT Math
25th: --75th: -
ACT Composite
25th: 17-75th: 23

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
+$448k
+$52k
-$36k
Median Cost$15k/yr
+$395k
-$1k
-$89k
Full Cost$22k/yr
+$368k
-$29k
-$117k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
Never
-∞
Median Cost$15k/yr
Never
-168%
Full Cost$22k/yr
Never
-145%
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-155%

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-86%
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 (5yr)
$68,179
Lifetime Value Added
+$52k
Agricultural Business and Management
BachCIP: 0101
Median Debt
-
Earnings (5yr)
$55,400
Lifetime Value Added
-$48k
Biology, General
BachCIP: 2601
Median Debt
$23,500
Earnings (2yr)
$33,993
Lifetime Value Added
-$209k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$20,500
Earnings (5yr)
$62,733
Lifetime Value Added
+$10k
Criminal Justice and Corrections
BachCIP: 4301
Median Debt
$26,000
Earnings (5yr)
$53,479
Lifetime Value Added
-$64k
Finance and Financial Management Services
BachCIP: 5208
Median Debt
$21,500
Earnings (5yr)
$62,403
Lifetime Value Added
+$8k
Fine and Studio Arts
BachCIP: 5007
Median Debt
-
Earnings (2yr)
$26,896
Lifetime Value Added
-$273k
Health and Physical Education/Fitness
BachCIP: 3105
Median Debt
$18,000
Earnings (5yr)
$49,713
Lifetime Value Added
-$94k
Hospitality Administration/Management
BachCIP: 5209
Median Debt
-
Earnings (5yr)
$50,720
Lifetime Value Added
-$86k
Marketing
BachCIP: 5214
Median Debt
$19,747
Earnings (5yr)
$54,828
Lifetime Value Added
-$53k
Psychology, General
BachCIP: 4201
Median Debt
$25,125
Earnings (5yr)
$50,996
Lifetime Value Added
-$84k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
BachCIP: 5138
Median Debt
$13,875
Earnings (5yr)
$84,871
Lifetime Value Added
+$177k
Rhetoric and Composition/Writing Studies
BachCIP: 2313
Median Debt
-
Earnings (5yr)
$49,740
Lifetime Value Added
-$94k
Social Work
BachCIP: 4407
Median Debt
-
Earnings (5yr)
$47,740
Lifetime Value Added
-$111k
Sociology
BachCIP: 4511
Median Debt
-
Earnings (2yr)
$32,925
Lifetime Value Added
-$219k
Special Education and Teaching
BachCIP: 1310
Median Debt
$24,883
Earnings (2yr)
$41,937
Lifetime Value Added
-$138k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
$21,977
Earnings (5yr)
$47,061
Lifetime Value Added
-$116k
Teacher Education and Professional Development, Specific Subject Areas
BachCIP: 1313
Median Debt
$29,000
Earnings (2yr)
$39,369
Lifetime Value Added
-$161k

Master's Degrees

Business Administration, Management and Operations
MastCIP: 5202
Median Debt
-
Earnings (5yr)
$82,960
Lifetime Value Added
+$266k
Education, General
MastCIP: 1301
Median Debt
$17,448
Earnings (5yr)
$59,053
Lifetime Value Added
+$57k
Teacher Education and Professional Development, Specific Subject Areas
MastCIP: 1313
Median Debt
-
Earnings (5yr)
$65,273
Lifetime Value Added
+$113k

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.