St. Mary's College of Maryland

St. Mary's City, MD 1,566 Undergrads 72.1% Grad Rate

School Website|Financial Calculator

Total Cost

$31,319

Sticker Price

Avg Net Price

$18,362

After Aid

Median Earnings

$60,110

10yr Post-Entry

Vs. Peer Institutions

Net Price$18,362

Peer Midpoint: $19,729.5

Earnings (10yr)$60,110

Peer Midpoint: $53,747

Graduation Rate72.1%

Peer Midpoint: 58.5%

Socio-Economic Diversity

Pell Grant Recipients20.3%

Enrollment Status

Full-Time98.6%

Economic Outcomes

Earn More than HS79.9%

Admissions Profile

Acceptance

75.4%

SAT Avg

1,232

SAT Reading

25th: 57063875th: 690

SAT Math

25th: 54060075th: 640

ACT Composite

25th: 242975th: 30

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

+$518k

+$121k

+$33k

Median Cost$18k/yr

+$452k

+$55k

-$33k

Full Cost$31k/yr

+$405k

+$9k

-$79k

ROI Efficiency Metrics

Break-Even Age

Return on Inv. %

Zero Cost (Scholarship)$0

∞

Median Cost$18k/yr

Never

-49%

Full Cost$31k/yr

Never

-70%

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-32%

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-63%

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

Fine and Studio Arts

BachCIP: 5007

Median Debt

Earnings (2yr)

$20,140

Lifetime Value Added

-$349k

History

BachCIP: 5401

Median Debt

$23,943

Earnings (2yr)

$21,052

Lifetime Value Added

-$340k

Mathematics

BachCIP: 2701

Median Debt

Earnings (5yr)

$61,890

Lifetime Value Added

-$9k

BachCIP: 4511

Median Debt

Earnings (5yr)

$59,320

Lifetime Value Added

-$30k

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.