St. Mary's University

San Antonio, TX 1,951 Undergrads 57.9% Grad Rate

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Total Cost

$47,999

Sticker Price

Avg Net Price

$21,145

After Aid

Median Earnings

$58,545

4yr Post-Grad

Vs. Peer Institutions

Net Price$21,145

Peer Midpoint: $20,081

Earnings (4yr Post-Grad)Completers only after graduation

$58,545

Peer Midpoint: $60,428

Earnings (10yr Post-Enroll)All enrolled after enrollment

$56,955

Peer Midpoint: $53,763

Graduation Rate57.9%

Peer Midpoint: 58.9%

Average Starting Age20.3

Socio-Economic Diversity

Pell Grant Recipients42.9%

Enrollment Status

Full-Time97.4%

Economic Outcomes

Earn More than HS72.8%

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

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

+$524k

+$57k

+$40k

Median Cost$21k/yr

+$448k

-$19k

-$36k

Full Cost$48k/yr

+$351k

-$116k

-$133k

ROI Efficiency Metrics

Break-Even Age

Return on Inv. %

Zero Cost (Scholarship)$0

∞

Median Cost$21k/yr

Never

-48%

Full Cost$48k/yr

Never

-77%

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 Return-49%

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-74%

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 (4yr)

$81,100

Natl Median: $76,194

Lifetime Value Added

+$138k

Biochemistry, Biophysics and Molecular Biology

BachCIP: 2602

Median Debt

Earnings (4yr)

Natl Median: $65,466

Lifetime Value Added

N/A

Biology, General

BachCIP: 2601

Median Debt

$27,000

Earnings (4yr)

$46,873

Natl Median: $57,214

Lifetime Value Added

-$133k

Business Administration, Management and Operations

BachCIP: 5202

Median Debt

$27,000

Earnings (5yr)

$50,255

Natl Median: $68,257

Lifetime Value Added

-$113k

Chemistry

BachCIP: 4005

Median Debt

Earnings (4yr)

Natl Median: $65,120

Lifetime Value Added

N/A

Clinical, Counseling and Applied Psychology

BachCIP: 4228

Median Debt

Earnings (4yr)

Natl Median: $50,523

Lifetime Value Added

N/A

Communication and Media Studies

BachCIP: 0901

Median Debt

Earnings (5yr)

$54,049

Natl Median: $56,359

Lifetime Value Added

-$82k

Computer and Information Sciences, General

BachCIP: 1101

Median Debt

Earnings (4yr)

Natl Median: $92,374

Lifetime Value Added

N/A

Computer Engineering

BachCIP: 1409

Median Debt

Earnings (4yr)

$78,406

Natl Median: $109,015

Lifetime Value Added

+$118k

Computer Science

BachCIP: 1107

Median Debt

Earnings (4yr)

Natl Median: $107,009

Lifetime Value Added

N/A

Criminal Justice and Corrections

BachCIP: 4301

Median Debt

$25,000

Earnings (4yr)

$46,782

Natl Median: $55,378

Lifetime Value Added

-$134k

Criminology

BachCIP: 4504

Median Debt

$25,067

Earnings (4yr)

$48,731

Natl Median: $55,556

Lifetime Value Added

-$118k

Curriculum and Instruction

BachCIP: 1303

Median Debt

Earnings (4yr)

Natl Median: $50,452

Lifetime Value Added

N/A

Economics

BachCIP: 4506

Median Debt

Earnings (4yr)

Natl Median: $82,686

Lifetime Value Added

N/A

Electrical, Electronics, and Communications Engineering

BachCIP: 1410

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

Engineering-Related Fields

BachCIP: 1515

Median Debt

Earnings (4yr)

Natl Median: $89,619

Lifetime Value Added

N/A

English Language and Literature, General

BachCIP: 2301

Median Debt

$26,000

Earnings (4yr)

$51,014

Natl Median: $48,590

Lifetime Value Added

-$98k

Entrepreneurial and Small Business Operations

BachCIP: 5207

Median Debt

Earnings (4yr)

Natl Median: $61,027

Lifetime Value Added

N/A

Finance and Financial Management Services

BachCIP: 5208

Median Debt

$25,389

Earnings (4yr)

$82,753

Natl Median: $83,343

Lifetime Value Added

+$151k

History

BachCIP: 5401

Median Debt

Earnings (4yr)

Natl Median: $50,680

Lifetime Value Added

N/A

Industrial Engineering

BachCIP: 1435

Median Debt

Earnings (4yr)

Natl Median: $98,442

Lifetime Value Added

N/A

International Business

BachCIP: 5211

Median Debt

Earnings (4yr)

Natl Median: $73,201

Lifetime Value Added

N/A

International Relations and National Security Studies

BachCIP: 4509

Median Debt

Earnings (5yr)

$58,487

Natl Median: $66,596

Lifetime Value Added

-$46k

International/Globalization Studies

BachCIP: 3020

Median Debt

Earnings (4yr)

Natl Median: $59,972

Lifetime Value Added

N/A

Marketing

BachCIP: 5214

Median Debt

$24,267

Earnings (4yr)

$66,151

Natl Median: $69,303

Lifetime Value Added

+$24k

Mathematics

BachCIP: 2701

Median Debt

Earnings (5yr)

$42,436

Natl Median: $69,562

Lifetime Value Added

-$178k

Music

BachCIP: 5009

Median Debt

Earnings (4yr)

Natl Median: $42,892

Lifetime Value Added

N/A

Natural Resources Conservation and Research

BachCIP: 0301

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

Political Science and Government

BachCIP: 4510

Median Debt

$19,250

Earnings (4yr)

$46,620

Natl Median: $63,293

Lifetime Value Added

-$135k

Psychology, General

BachCIP: 4201

Median Debt

$26,000

Earnings (4yr)

$41,580

Natl Median: $50,706

Lifetime Value Added

-$178k

Romance Languages, Literatures, and Linguistics

BachCIP: 1609

Median Debt

Earnings (4yr)

Natl Median: $55,000

Lifetime Value Added

N/A

Security Science and Technology

BachCIP: 4304

Median Debt

Earnings (2yr)

$33,993

Natl Median: $57,805

Lifetime Value Added

-$232k

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

$22,625

Earnings (4yr)

$52,553

Natl Median: $54,562

Lifetime Value Added

-$86k

Teacher Education and Professional Development, Specific Subject Areas

BachCIP: 1313

Median Debt

Earnings (4yr)

Natl Median: $51,389

Lifetime Value Added

N/A

Theological and Ministerial Studies

BachCIP: 3906

Median Debt

Earnings (4yr)

Natl Median: $44,535

Lifetime Value Added

N/A

Master's Degrees

Business Administration, Management and Operations

MastCIP: 5202

Median Debt

$41,000

Earnings (4yr)

$96,034

Natl Median: $103,485

Lifetime Value Added

+$167k

Clinical, Counseling and Applied Psychology

MastCIP: 4228

Median Debt

$52,375

Earnings (4yr)

$92,592

Natl Median: $65,184

Lifetime Value Added

+$137k

Communication and Media Studies

MastCIP: 0901

Median Debt

Earnings (4yr)

Natl Median: $71,953

Lifetime Value Added

N/A

Computer Engineering

MastCIP: 1409

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

Computer/Information Technology Administration and Management

MastCIP: 1110

Median Debt

Earnings (4yr)

Natl Median: $121,855

Lifetime Value Added

N/A

Educational Administration and Supervision

MastCIP: 1304

Median Debt

Earnings (4yr)

Natl Median: $71,685

Lifetime Value Added

N/A

International Relations and National Security Studies

MastCIP: 4509

Median Debt

Earnings (5yr)

$88,214

Natl Median: $95,627

Lifetime Value Added

+$83k

Law

MastCIP: 2201

Median Debt

$41,000

Earnings (4yr)

$54,265

Natl Median: $65,341

Lifetime Value Added

-$205k

Mental and Social Health Services and Allied Professions

MastCIP: 5115

Median Debt

$58,038

Earnings (4yr)

$72,775

Natl Median: $59,571

Lifetime Value Added

-$37k

Public Administration

MastCIP: 4404

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

Theological and Ministerial Studies

MastCIP: 3906

Median Debt

Earnings (4yr)

Natl Median: $61,300

Lifetime Value Added

N/A

Doctoral Degrees

Mental and Social Health Services and Allied Professions

DocCIP: 5115

Median Debt

Earnings (4yr)

Natl Median: $77,066

Lifetime Value Added

N/A

Student Counseling and Personnel Services

DocCIP: 1311

Median Debt

Earnings (4yr)

Natl Median: $83,794

Lifetime Value Added

N/A

Professional Degrees

Law

ProfCIP: 2201

Median Debt

$145,002

Earnings (4yr)

$87,375

Natl Median: $107,773

Lifetime Value Added

-$76k

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. 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.