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St Cloud Technical and Community College
Saint Cloud, MN 3,113 Undergrads 34.8% Grad Rate
Total Cost
$14,325
Sticker Price
Avg Net Price
$9,635
After Aid
Median Earnings
$58,691
4yr Post-Grad
Vs. Peer Institutions
Net Price$9,635
Peer Midpoint: $9,847
Earnings (4yr Post-Grad)$58,691
Peer Midpoint: $50,127.5
Graduation Rate34.8%
Peer Midpoint: 34.6%
Socio-Economic Diversity
Pell Grant Recipients43.4%
Enrollment Status
Full-Time52.3%
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
+$616k
+$101k
+$132k
Median Cost$10k/yr
+$599k
+$83k
+$114k
Full Cost$14k/yr
+$590k
+$75k
+$106k
ROI Efficiency Metrics
Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
25
∞
Median Cost$10k/yr
27
646%
Full Cost$14k/yr
28
402%
Analysis Assumptions:
- Starting Salary: Estimated from the 4-year post-graduation 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 Return870%
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 Return171%
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
Accounting and Related Services
CertCIP: 5203
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,589
Lifetime Value Added
N/A
Carpenters
CertCIP: 4602
Median Debt
-
Earnings (4yr)
$42,052
Natl Median: $41,835
Lifetime Value Added
-$2k
Civil Engineering Technologies/Technicians
CertCIP: 1502
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,028
Lifetime Value Added
N/A
Computer/Information Technology Administration and Management
CertCIP: 1110
Median Debt
-
Earnings (4yr)
-
Natl Median: $52,615
Lifetime Value Added
N/A
Culinary Arts and Related Services
CertCIP: 1205
Median Debt
-
Earnings (4yr)
-
Natl Median: $30,572
Lifetime Value Added
N/A
Dental Support Services and Allied Professions
CertCIP: 5106
Median Debt
-
Earnings (4yr)
-
Natl Median: $33,673
Lifetime Value Added
N/A
Drafting/Design Engineering Technologies/Technicians
CertCIP: 1513
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,359
Lifetime Value Added
N/A
Electrical and Power Transmission Installers
CertCIP: 4603
Median Debt
$10,000
Earnings (4yr)
$72,045
Natl Median: $53,078
Lifetime Value Added
+$307k
Environmental Control Technologies/Technicians
CertCIP: 1505
Median Debt
-
Earnings (4yr)
-
Natl Median: $45,268
Lifetime Value Added
N/A
General Sales, Merchandising and Related Marketing Operations
CertCIP: 5218
Median Debt
-
Earnings (4yr)
-
Natl Median: $52,001
Lifetime Value Added
N/A
Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician (HAC, HACR, HVAC, HVACR)
CertCIP: 4702
Median Debt
-
Earnings (4yr)
$67,307
Natl Median: $48,148
Lifetime Value Added
+$261k
Human Development, Family Studies, and Related Services
CertCIP: 1907
Median Debt
-
Earnings (4yr)
-
Natl Median: $31,135
Lifetime Value Added
N/A
Marketing
CertCIP: 5214
Median Debt
-
Earnings (4yr)
-
Natl Median: $49,757
Lifetime Value Added
N/A
Mental and Social Health Services and Allied Professions
CertCIP: 5115
Median Debt
-
Earnings (4yr)
-
Natl Median: $43,365
Lifetime Value Added
N/A
Plumbing and Related Water Supply Services
CertCIP: 4605
Median Debt
-
Earnings (4yr)
$59,675
Natl Median: $49,996
Lifetime Value Added
+$184k
Practical Nursing, Vocational Nursing and Nursing Assistants
CertCIP: 5139
Median Debt
$15,623
Earnings (4yr)
$54,132
Natl Median: $56,073
Lifetime Value Added
+$127k
Precision Metal Working
CertCIP: 4805
Median Debt
$9,500
Earnings (4yr)
$58,749
Natl Median: $48,702
Lifetime Value Added
+$175k
Teacher Education and Professional Development, Specific Subject Areas
CertCIP: 1313
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,570
Lifetime Value Added
N/A
Vehicle Maintenance and Repair Technologies/Technicians
CertCIP: 4706
Median Debt
$11,997
Earnings (4yr)
$58,970
Natl Median: $51,586
Lifetime Value Added
+$177k
Associate's Degrees
Accounting and Related Services
AssocCIP: 5203
Median Debt
-
Earnings (4yr)
$56,802
Natl Median: $47,660
Lifetime Value Added
+$96k
Allied Health Diagnostic, Intervention, and Treatment Professions
AssocCIP: 5109
Median Debt
$16,729
Earnings (4yr)
$63,400
Natl Median: $65,389
Lifetime Value Added
+$158k
Business Administration, Management and Operations
AssocCIP: 5202
Median Debt
$14,124
Earnings (4yr)
$55,199
Natl Median: $48,733
Lifetime Value Added
+$81k
Business Operations Support and Assistant Services
AssocCIP: 5204
Median Debt
-
Earnings (4yr)
-
Natl Median: $37,587
Lifetime Value Added
N/A
Civil Engineering Technologies/Technicians
AssocCIP: 1502
Median Debt
-
Earnings (4yr)
-
Natl Median: $64,519
Lifetime Value Added
N/A
Computer Programming
AssocCIP: 1102
Median Debt
-
Earnings (5yr)
$67,638
Natl Median: $58,070
Lifetime Value Added
+$185k
Computer/Information Technology Administration and Management
AssocCIP: 1110
Median Debt
-
Earnings (4yr)
$62,055
Natl Median: $54,726
Lifetime Value Added
+$146k
Culinary Arts and Related Services
AssocCIP: 1205
Median Debt
-
Earnings (4yr)
-
Natl Median: $39,605
Lifetime Value Added
N/A
Dental Support Services and Allied Professions
AssocCIP: 5106
Median Debt
$19,426
Earnings (4yr)
$55,313
Natl Median: $61,982
Lifetime Value Added
+$82k
Drafting/Design Engineering Technologies/Technicians
AssocCIP: 1513
Median Debt
$8,008
Earnings (4yr)
$60,100
Natl Median: $55,895
Lifetime Value Added
+$128k
Electrical and Power Transmission Installers
AssocCIP: 4603
Median Debt
-
Earnings (4yr)
-
Natl Median: $70,808
Lifetime Value Added
N/A
Electromechanical Technologies/Technicians
AssocCIP: 1504
Median Debt
$12,000
Earnings (4yr)
$80,223
Natl Median: $73,046
Lifetime Value Added
+$310k
Energy Systems Technologies/Technicians
AssocCIP: 1517
Median Debt
-
Earnings (4yr)
-
Natl Median: $67,276
Lifetime Value Added
N/A
Environmental Control Technologies/Technicians
AssocCIP: 1505
Median Debt
-
Earnings (4yr)
$66,234
Natl Median: $55,148
Lifetime Value Added
+$184k
Finance and Financial Management Services
AssocCIP: 5208
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,913
Lifetime Value Added
N/A
General Sales, Merchandising and Related Marketing Operations
AssocCIP: 5218
Median Debt
-
Earnings (5yr)
$56,424
Natl Median: $46,500
Lifetime Value Added
+$82k
Health and Medical Administrative Services
AssocCIP: 5107
Median Debt
-
Earnings (4yr)
$35,424
Natl Median: $37,073
Lifetime Value Added
-$116k
Health Services/Allied Health/Health Sciences, General
AssocCIP: 5100
Median Debt
-
Earnings (4yr)
$48,372
Natl Median: $51,180
Lifetime Value Added
+$14k
Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician (HAC, HACR, HVAC, HVACR)
AssocCIP: 4702
Median Debt
-
Earnings (4yr)
-
Natl Median: $58,236
Lifetime Value Added
N/A
Human Development, Family Studies, and Related Services
AssocCIP: 1907
Median Debt
-
Earnings (4yr)
-
Natl Median: $34,184
Lifetime Value Added
N/A
Legal Support Services
AssocCIP: 2203
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,669
Lifetime Value Added
N/A
Liberal Arts and Sciences, General Studies and Humanities
AssocCIP: 2401
Median Debt
$12,000
Earnings (4yr)
$49,858
Natl Median: $44,125
Lifetime Value Added
+$29k
Marketing
AssocCIP: 5214
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,264
Lifetime Value Added
N/A
Plumbing and Related Water Supply Services
AssocCIP: 4605
Median Debt
-
Earnings (4yr)
-
Natl Median: $67,499
Lifetime Value Added
N/A
Precision Metal Working
AssocCIP: 4805
Median Debt
-
Earnings (4yr)
-
Natl Median: $56,451
Lifetime Value Added
N/A
Public Relations, Advertising, and Applied Communication
AssocCIP: 0909
Median Debt
-
Earnings (5yr)
$39,046
Natl Median: $53,309
Lifetime Value Added
-$87k
Radio, Television, and Digital Communication
AssocCIP: 0907
Median Debt
-
Earnings (4yr)
-
Natl Median: $36,074
Lifetime Value Added
N/A
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
AssocCIP: 5138
Median Debt
$20,000
Earnings (4yr)
$77,952
Natl Median: $80,813
Lifetime Value Added
+$290k
Teaching Assistants/Aides
AssocCIP: 1315
Median Debt
-
Earnings (4yr)
$31,855
Natl Median: $36,642
Lifetime Value Added
-$152k
Vehicle Maintenance and Repair Technologies/Technicians
AssocCIP: 4706
Median Debt
$10,738
Earnings (4yr)
$70,185
Natl Median: $58,424
Lifetime Value Added
+$220k
Other Programs
Liberal Arts and Sciences, General Studies and Humanities
DegCIP: 2401
Median Debt
-
Earnings (4yr)
-
Natl Median: $56,308
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 degree decision moving forward. These Lifetime Value Added results for graduate degrees should not be compared with those for Undergraduate Certificates, Associates or Bachelors.