College ROI

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St. Thomas University

Miami Gardens, FL 2,214 Undergrads 48.3% Grad Rate
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Total Cost
$51,205
Sticker Price
Avg Net Price
$26,312
After Aid
Median Earnings
$70,806
4yr Post-Grad

Vs. Peer Institutions

Net Price$26,312
Peer Midpoint: $20,081
Earnings (4yr Post-Grad)Completers only after graduation
$70,806
Peer Midpoint: $60,428
Warning: This school's reported earnings inflated significantly (+30%) when the Dept of Education excluded non-graduates from the dataset. Take caution when comparing.
Earnings (10yr Post-Enroll)All enrolled after enrollment
$54,272
Peer Midpoint: $53,763
Graduation Rate48.3%
Peer Midpoint: 58.9%
Warning: The majority of students at this institution do not graduate. Non-completers typically earn significantly less and face higher debt risks.
Average Starting Age24.2
Warning: High average starting age indicates non-traditional students with prior work experience, which may inflate the median earnings shown.
Socio-Economic Diversity
Pell Grant Recipients53.6%
Enrollment Status
Full-Time91.2%
Economic Outcomes
Earn More than HS71.9%

Admissions Profile

Acceptance
97.9%
SAT Avg
-
SAT Reading
25th: -49075th: -
SAT Math
25th: -47075th: -
ACT Composite
25th: -1975th: -

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)
⚠️ Caution: Underlying earnings data reflects graduates only. This institution flagged for high risk factors (low completion/older demographics) that may artificially inflate this ROI.

Institution Lifetime NPV
Vs Median Peer
Vs HS Grad
Zero Cost (Scholarship)$0
+$620k
+$153k
+$136k
Median Cost$26k/yr
+$525k
+$58k
+$41k
Full Cost$51k/yr
+$436k
-$31k
-$49k

ROI Efficiency Metrics
⚠️ Caution: Underlying earnings data reflects graduates only. This institution flagged for high risk factors (low completion/older demographics) that may artificially inflate this ROI.

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
30
∞
Median Cost$26k/yr
46
43%
Full Cost$51k/yr
Never
-26%
Analysis Assumptions:
  • Starting Salary: Estimated from the 4-year post-graduation median earnings (assuming 2% annual growth from graduation).⚠️ Warning: The high average starting age or low completion rate may inflate the Median earnings and ROI shown.
  • 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
⚠️ Caution: Underlying earnings data reflects graduates only. This institution flagged for high risk factors (low completion/older demographics) that may artificially inflate this ROI.

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 Return43%

Gov. Pell Grant ROINew
⚠️ Caution: Underlying earnings data reflects graduates only. This institution flagged for high risk factors (low completion/older demographics) that may artificially inflate this ROI.

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-49%
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, or for more sophisticated analysis, the Guided ROI Interview, with your specific estimates of cost and salary.

Program ROI Analysis
⚠️ Caution: Underlying earnings data reflects graduates only. This institution flagged for high risk factors (low completion/older demographics) that may artificially inflate this ROI.

Bachelor's Degrees

Median Debt
-
Earnings (4yr)
$69,432
Natl Median: $76,194
Lifetime Value Added
+$30k
Biology, General
BachCIP: 2601
Median Debt
-
Earnings (2yr)
$25,194
Natl Median: $57,214
Lifetime Value Added
-$331k
Median Debt
$17,234
Earnings (4yr)
$63,852
Natl Median: $68,257
Lifetime Value Added
-$13k
Median Debt
-
Earnings (4yr)
-
Natl Median: $68,407
Lifetime Value Added
N/A
Chemistry
BachCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,120
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $56,359
Lifetime Value Added
N/A
Computer Science
BachCIP: 1107
Median Debt
-
Earnings (4yr)
-
Natl Median: $107,009
Lifetime Value Added
N/A
Median Debt
$25,000
Earnings (4yr)
$54,337
Natl Median: $55,378
Lifetime Value Added
-$89k
Economics
BachCIP: 4506
Median Debt
-
Earnings (4yr)
-
Natl Median: $82,686
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $48,590
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $83,343
Lifetime Value Added
N/A
Fire Protection
BachCIP: 4302
Median Debt
-
Earnings (4yr)
-
Natl Median: $86,436
Lifetime Value Added
N/A
History
BachCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $50,680
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $73,201
Lifetime Value Added
N/A
International/Globalization Studies
BachCIP: 3020
Median Debt
-
Earnings (4yr)
-
Natl Median: $59,972
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,072
Lifetime Value Added
N/A
Marketing
BachCIP: 5214
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,303
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,293
Lifetime Value Added
N/A
Psychology, General
BachCIP: 4201
Median Debt
-
Earnings (5yr)
$50,336
Natl Median: $50,706
Lifetime Value Added
-$131k
Median Debt
$29,264
Earnings (4yr)
-
Natl Median: $88,910
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $47,382
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,535
Lifetime Value Added
N/A

Post-Baccalaureate Certificates

Median Debt
-
Earnings (4yr)
$102,110
Natl Median: $104,335
Lifetime Value Added
+$318k
Median Debt
-
Earnings (4yr)
-
Natl Median: $103,335
Lifetime Value Added
N/A

Master's Degrees

Median Debt
$40,196
Earnings (5yr)
$87,232
Natl Median: $95,833
Lifetime Value Added
+$65k
Median Debt
$29,273
Earnings (4yr)
$79,955
Natl Median: $103,485
Lifetime Value Added
+$16k
Median Debt
-
Earnings (4yr)
-
Natl Median: $76,837
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,953
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $124,201
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$45,918
Natl Median: $66,714
Lifetime Value Added
-$295k
Median Debt
$30,750
Earnings (4yr)
$69,390
Natl Median: $71,685
Lifetime Value Added
-$76k
Median Debt
-
Earnings (4yr)
-
Natl Median: $70,644
Lifetime Value Added
N/A
Health Professions Education, Ethics, and Humanities
MastCIP: 5132
Median Debt
-
Earnings (4yr)
-
Natl Median: $100,487
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $97,121
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $101,000
Lifetime Value Added
N/A
Marketing
MastCIP: 5214
Median Debt
-
Earnings (4yr)
-
Natl Median: $79,106
Lifetime Value Added
N/A
Median Debt
$62,519
Earnings (4yr)
$58,659
Natl Median: $59,571
Lifetime Value Added
-$173k
Median Debt
-
Earnings (4yr)
-
Natl Median: $120,193
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$63,009
Natl Median: $64,397
Lifetime Value Added
-$133k
Median Debt
-
Earnings (4yr)
-
Natl Median: $60,111
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$64,254
Natl Median: $59,916
Lifetime Value Added
-$122k
Median Debt
-
Earnings (4yr)
-
Natl Median: $101,928
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,300
Lifetime Value Added
N/A

Graduate Certificates

Median Debt
-
Earnings (4yr)
-
Natl Median: $74,072
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $74,850
Lifetime Value Added
N/A
Median Debt
$157,781
Earnings (4yr)
$115,357
Natl Median: $138,247
Lifetime Value Added
+$443k
Median Debt
-
Earnings (4yr)
-
Natl Median: $114,740
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $60,655
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $64,774
Lifetime Value Added
N/A

Doctoral Degrees

Median Debt
$57,357
Earnings (4yr)
$88,145
Natl Median: $100,573
Lifetime Value Added
-$88k
Law
DocCIP: 2201
Median Debt
$166,022
Earnings (4yr)
$99,412
Natl Median: $105,518
Lifetime Value Added
-$5k
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,982
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 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.