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St Cloud Technical and Community College
Saint Cloud, MN 2,808 Undergrads 35.7% Grad Rate
Total Cost
$15,374
Sticker Price
Avg Net Price
$10,956
After Aid
Median Earnings
$46,874
10yr Post-Entry
Vs. Peer Institutions
Net Price$10,956
Peer Midpoint: $9,014
Earnings (10yr)$46,874
Peer Midpoint: $40,397
Graduation Rate35.7%
Peer Midpoint: 32.9%
Socio-Economic Diversity
Pell Grant Recipients43.4%
Enrollment Status
Full-Time50.9%
Economic Outcomes
Earn More than HS69.9%
Admissions Profile
Acceptance
100.0%
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
+$466k
+$77k
-$18k
Median Cost$11k/yr
+$446k
+$57k
-$39k
Full Cost$15k/yr
+$438k
+$49k
-$47k
ROI Efficiency Metrics
Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
Never
-∞
Median Cost$11k/yr
Never
-192%
Full Cost$15k/yr
Never
-165%
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-187%
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-79%
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
Certificates
Electrical and Power Transmission Installers
CertCIP: 4603
Median Debt
$10,000
Earnings (5yr)
$65,711
Lifetime Value Added
+$231k
Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician (HAC, HACR, HVAC, HVACR)
CertCIP: 4702
Median Debt
-
Earnings (5yr)
$63,498
Lifetime Value Added
+$209k
Plumbing and Related Water Supply Services
CertCIP: 4605
Median Debt
-
Earnings (2yr)
$43,240
Lifetime Value Added
+$28k
Practical Nursing, Vocational Nursing and Nursing Assistants
CertCIP: 5139
Median Debt
$15,623
Earnings (5yr)
$49,687
Lifetime Value Added
+$68k
Precision Metal Working
CertCIP: 4805
Median Debt
$9,500
Earnings (5yr)
$64,258
Lifetime Value Added
+$217k
Vehicle Maintenance and Repair Technologies
CertCIP: 4706
Median Debt
$11,997
Earnings (5yr)
$57,990
Lifetime Value Added
+$154k
Associate's Degrees
Accounting and Related Services
AssocCIP: 5203
Median Debt
-
Earnings (5yr)
$49,150
Lifetime Value Added
+$10k
Allied Health Diagnostic, Intervention, and Treatment Professions
AssocCIP: 5109
Median Debt
$16,729
Earnings (5yr)
$70,145
Lifetime Value Added
+$205k
Business Administration, Management and Operations
AssocCIP: 5202
Median Debt
$14,124
Earnings (5yr)
$44,329
Lifetime Value Added
-$37k
Computer Programming
AssocCIP: 1102
Median Debt
-
Earnings (5yr)
$67,638
Lifetime Value Added
+$183k
Computer/Information Technology Administration and Management
AssocCIP: 1110
Median Debt
-
Earnings (5yr)
$55,822
Lifetime Value Added
+$74k
Dental Support Services and Allied Professions
AssocCIP: 5106
Median Debt
$19,426
Earnings (5yr)
$43,753
Lifetime Value Added
-$43k
Drafting/Design Engineering Technologies/Technicians
AssocCIP: 1513
Median Debt
$8,008
Earnings (5yr)
$48,228
Lifetime Value Added
+$1k
Electromechanical Instrumentation and Maintenance Technologies/Technicians
AssocCIP: 1504
Median Debt
$12,000
Earnings (5yr)
$70,091
Lifetime Value Added
+$204k
General Sales, Merchandising and Related Marketing Operations
AssocCIP: 5218
Median Debt
-
Earnings (5yr)
$56,424
Lifetime Value Added
+$80k
Health and Medical Administrative Services
AssocCIP: 5107
Median Debt
-
Earnings (5yr)
$43,477
Lifetime Value Added
-$45k
Health Services/Allied Health/Health Sciences, General
AssocCIP: 5100
Median Debt
-
Earnings (5yr)
$50,045
Lifetime Value Added
+$19k
Liberal Arts and Sciences, General Studies and Humanities
AssocCIP: 2401
Median Debt
$12,000
Earnings (5yr)
$48,215
Lifetime Value Added
+$955
Public Relations, Advertising, and Applied Communication
AssocCIP: 0909
Median Debt
-
Earnings (5yr)
$39,046
Lifetime Value Added
-$89k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
AssocCIP: 5138
Median Debt
$20,000
Earnings (5yr)
$75,689
Lifetime Value Added
+$254k
Teaching Assistants/Aides
AssocCIP: 1315
Median Debt
-
Earnings (5yr)
$23,174
Lifetime Value Added
-$249k
Vehicle Maintenance and Repair Technologies
AssocCIP: 4706
Median Debt
$10,738
Earnings (5yr)
$55,846
Lifetime Value Added
+$74k
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.