College ROI

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St. Mary's University

San Antonio, TX 1,951 Undergrads 58.3% Grad Rate
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Total Cost
$48,956
Sticker Price
Avg Net Price
$17,775
After Aid
Median Earnings
$59,194
5yr Post-Grad

Vs. Peer Institutions

Net Price$17,775
Peer Midpoint: $19,969
Earnings (5yr Post-Grad)Completers only after graduation
$59,194
Peer Midpoint: $61,632
Earnings (10yr Post-Enroll)All enrolled after enrollment
$59,258
Peer Midpoint: $58,891
Graduation Rate58.3%
Peer Midpoint: 58.9%
Average Starting Age20.3
Socio-Economic Diversity
Pell Grant Recipients46.8%
Enrollment Status
Full-Time97.4%
Economic Outcomes
Earn More than HS69.5%

Admissions Profile

Acceptance
97.8%
SAT Avg
1,089
SAT Reading
25th: 465-75th: 665
SAT Math
25th: 435-75th: 645
ACT Composite
25th: 15-75th: 27

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
+$522k
+$52k
+$36k
Median Cost$18k/yr
+$458k
-$12k
-$28k
Full Cost$49k/yr
+$346k
-$124k
-$140k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
41
∞
Median Cost$18k/yr
Never
-44%
Full Cost$49k/yr
Never
-80%
Analysis Assumptions:
  • Starting Salary: Estimated from the median earnings five years after graduating, with four years of 2% raises taken out.
  • 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-55%

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-77%

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)
$81,100
Natl Median: $76,194
Lifetime Value Added
+$152k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $65,466
Lifetime Value Added
N/A
Biology, General
BachCIP: 2601
Median Debt
$18,369
Earnings (4yr)
$46,873
Natl Median: $57,214
Lifetime Value Added
-$121k
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Median Debt
$20,380
Earnings (2yr)
$42,435
Natl Median: $68,257
Lifetime Value Added
-$145k
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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: $50,523
Lifetime Value Added
N/A
Median Debt
-
Earnings (5yr)
$41,814
Natl Median: $56,359
Lifetime Value Added
-$172k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $92,374
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$78,406
Natl Median: $109,015
Lifetime Value Added
+$132k
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Computer Science
BachCIP: 1107
Median Debt
-
Earnings (4yr)
-
Natl Median: $107,009
Lifetime Value Added
N/A
Median Debt
$26,250
Earnings (4yr)
$46,782
Natl Median: $55,378
Lifetime Value Added
-$122k
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Criminology
BachCIP: 4504
Median Debt
$23,854
Earnings (4yr)
$48,731
Natl Median: $55,556
Lifetime Value Added
-$106k
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Economics
BachCIP: 4506
Median Debt
-
Earnings (4yr)
-
Natl Median: $82,686
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $100,647
Lifetime Value Added
N/A
Engineering Science
BachCIP: 1413
Median Debt
-
Earnings (4yr)
-
Natl Median: $93,782
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $89,619
Lifetime Value Added
N/A
Median Debt
$22,375
Earnings (4yr)
$51,014
Natl Median: $48,590
Lifetime Value Added
-$86k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $61,027
Lifetime Value Added
N/A
Median Debt
$22,152
Earnings (4yr)
$82,753
Natl Median: $83,343
Lifetime Value Added
+$165k
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History
BachCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $50,680
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $98,442
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $73,201
Lifetime Value Added
N/A
Median Debt
-
Earnings (2yr)
$30,771
Natl Median: $66,596
Lifetime Value Added
-$250k
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International/Globalization Studies
BachCIP: 3020
Median Debt
-
Earnings (4yr)
-
Natl Median: $59,972
Lifetime Value Added
N/A
Marketing
BachCIP: 5214
Median Debt
$26,125
Earnings (4yr)
$66,151
Natl Median: $69,303
Lifetime Value Added
+$37k
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Mathematics
BachCIP: 2701
Median Debt
-
Earnings (5yr)
$65,060
Natl Median: $69,562
Lifetime Value Added
+$19k
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Music
BachCIP: 5009
Median Debt
-
Earnings (4yr)
-
Natl Median: $42,892
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,012
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
$23,250
Earnings (4yr)
$46,620
Natl Median: $63,293
Lifetime Value Added
-$123k
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Psychology, General
BachCIP: 4201
Median Debt
$21,250
Earnings (4yr)
$41,580
Natl Median: $50,706
Lifetime Value Added
-$167k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $55,000
Lifetime Value Added
N/A
Median Debt
$20,500
Earnings (2yr)
$33,993
Natl Median: $57,805
Lifetime Value Added
-$220k
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Sociology
BachCIP: 4511
Median Debt
-
Earnings (4yr)
-
Natl Median: $52,657
Lifetime Value Added
N/A
Sports, Kinesiology, and Physical Education/Fitness
BachCIP: 3105
Median Debt
$19,500
Earnings (4yr)
$52,553
Natl Median: $54,562
Lifetime Value Added
-$73k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $51,389
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,535
Lifetime Value Added
N/A

Master's Degrees

Median Debt
$35,375
Earnings (4yr)
$96,034
Natl Median: $103,485
Lifetime Value Added
+$174k
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Median Debt
-
Earnings (4yr)
$92,592
Natl Median: $65,184
Lifetime Value Added
+$144k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $71,953
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $136,736
Lifetime Value Added
N/A
Computer Science
MastCIP: 1107
Median Debt
-
Earnings (4yr)
-
Natl Median: $145,571
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $121,855
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,685
Lifetime Value Added
N/A
Median Debt
-
Earnings (5yr)
$85,148
Natl Median: $95,627
Lifetime Value Added
+$64k
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Law
MastCIP: 2201
Median Debt
$58,031
Earnings (4yr)
$54,265
Natl Median: $65,341
Lifetime Value Added
-$200k
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Median Debt
$75,891
Earnings (4yr)
$72,775
Natl Median: $59,571
Lifetime Value Added
-$30k
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Median Debt
-
Earnings (4yr)
-
Natl Median: $81,408
Lifetime Value Added
N/A
Systems Engineering
MastCIP: 1427
Median Debt
-
Earnings (4yr)
-
Natl Median: $144,565
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,300
Lifetime Value Added
N/A

Doctoral Degrees

Median Debt
-
Earnings (4yr)
-
Natl Median: $77,066
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $83,794
Lifetime Value Added
N/A

Professional Degrees

Law
ProfCIP: 2201
Median Debt
$137,961
Earnings (4yr)
$87,375
Natl Median: $107,773
Lifetime Value Added
-$63k
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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.