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State University of New York at Oswego
Oswego, NY 5,473 Undergrads 66.3% Grad Rate
Total Cost
$27,052
Sticker Price
Avg Net Price
$16,236
After Aid
Median Earnings
$59,955
4yr Post-Grad
Vs. Peer Institutions
Net Price$16,236
Peer Midpoint: $20,080.5
Earnings (4yr Post-Grad)$59,955
Peer Midpoint: $60,428
Graduation Rate66.3%
Peer Midpoint: 58.9%
Socio-Economic Diversity
Pell Grant Recipients39.3%
Enrollment Status
Full-Time93.7%
Economic Outcomes
Earn More than HS76.6%
Admissions Profile
Acceptance
80.5%
SAT Avg
1,187
SAT Reading
25th: 53058575th: 630
SAT Math
25th: 54058575th: 640
ACT Composite
25th: 232775th: 29
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
+$535k
+$68k
+$51k
Median Cost$16k/yr
+$477k
+$10k
-$7k
Full Cost$27k/yr
+$438k
-$29k
-$46k
ROI Efficiency Metrics
Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
38
∞
Median Cost$16k/yr
Never
-13%
Full Cost$27k/yr
Never
-48%
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 Return11%
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-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 with your specific estimates of cost and salary.
Program ROI Analysis
Bachelor's Degrees
Accounting and Related Services
BachCIP: 5203
Median Debt
$21,195
Earnings (4yr)
$70,218
Natl Median: $76,194
Lifetime Value Added
+$73k
Anthropology
BachCIP: 4502
Median Debt
$19,362
Earnings (2yr)
$25,774
Natl Median: $46,676
Lifetime Value Added
-$289k
Applied Mathematics
BachCIP: 2703
Median Debt
-
Earnings (4yr)
-
Natl Median: $91,532
Lifetime Value Added
N/A
Atmospheric Sciences and Meteorology
BachCIP: 4004
Median Debt
$24,979
Earnings (4yr)
$59,427
Natl Median: $60,997
Lifetime Value Added
-$12k
Biochemistry, Biophysics and Molecular Biology
BachCIP: 2602
Median Debt
$22,308
Earnings (4yr)
-
Natl Median: $65,466
Lifetime Value Added
N/A
Biology, General
BachCIP: 2601
Median Debt
$20,144
Earnings (4yr)
$58,932
Natl Median: $57,214
Lifetime Value Added
-$16k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$19,500
Earnings (4yr)
$66,048
Natl Median: $68,257
Lifetime Value Added
+$41k
Business, Management, Marketing, and Related Support Services, Other
BachCIP: 5299
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,830
Lifetime Value Added
N/A
Chemistry
BachCIP: 4005
Median Debt
$26,824
Earnings (4yr)
-
Natl Median: $65,120
Lifetime Value Added
N/A
Cognitive Science
BachCIP: 3025
Median Debt
-
Earnings (4yr)
$76,118
Natl Median: $81,496
Lifetime Value Added
+$118k
Computer and Information Sciences, General
BachCIP: 1101
Median Debt
$23,000
Earnings (4yr)
$100,148
Natl Median: $92,374
Lifetime Value Added
+$301k
Computer Engineering
BachCIP: 1409
Median Debt
$25,000
Earnings (4yr)
$86,865
Natl Median: $109,015
Lifetime Value Added
+$200k
Criminal Justice and Corrections
BachCIP: 4301
Median Debt
$22,036
Earnings (4yr)
$59,563
Natl Median: $55,378
Lifetime Value Added
-$11k
Design and Applied Arts
BachCIP: 5004
Median Debt
$23,250
Earnings (4yr)
$44,939
Natl Median: $51,490
Lifetime Value Added
-$132k
Drama/Theatre Arts and Stagecraft
BachCIP: 5005
Median Debt
$25,520
Earnings (2yr)
$21,508
Natl Median: $39,775
Lifetime Value Added
-$328k
Economics
BachCIP: 4506
Median Debt
-
Earnings (4yr)
$87,667
Natl Median: $82,686
Lifetime Value Added
+$206k
English Language and Literature, General
BachCIP: 2301
Median Debt
$23,519
Earnings (4yr)
$40,431
Natl Median: $48,590
Lifetime Value Added
-$170k
Ethnic, Cultural Minority, Gender, and Group Studies
BachCIP: 0502
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,710
Lifetime Value Added
N/A
Film/Video and Photographic Arts
BachCIP: 5006
Median Debt
$22,500
Earnings (4yr)
$38,429
Natl Median: $43,765
Lifetime Value Added
-$188k
Finance and Financial Management Services
BachCIP: 5208
Median Debt
$18,213
Earnings (4yr)
$72,784
Natl Median: $83,343
Lifetime Value Added
+$92k
Fine and Studio Arts
BachCIP: 5007
Median Debt
$19,000
Earnings (4yr)
$36,511
Natl Median: $41,367
Lifetime Value Added
-$204k
Foreign Languages, Literatures, and Linguistics, Other
BachCIP: 1699
Median Debt
-
Earnings (4yr)
-
Natl Median: $50,580
Lifetime Value Added
N/A
Geological and Earth Sciences/Geosciences
BachCIP: 4006
Median Debt
$27,000
Earnings (4yr)
$64,634
Natl Median: $60,190
Lifetime Value Added
+$30k
Germanic Languages, Literatures, and Linguistics
BachCIP: 1605
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,459
Lifetime Value Added
N/A
History
BachCIP: 5401
Median Debt
$24,896
Earnings (4yr)
$53,429
Natl Median: $50,680
Lifetime Value Added
-$61k
Human Resources Management and Services
BachCIP: 5210
Median Debt
$19,250
Earnings (4yr)
$66,544
Natl Median: $68,069
Lifetime Value Added
+$44k
Information Science/Studies
BachCIP: 1104
Median Debt
$25,496
Earnings (4yr)
$74,812
Natl Median: $85,294
Lifetime Value Added
+$108k
Insurance
BachCIP: 5217
Median Debt
-
Earnings (2yr)
$57,318
Natl Median: $88,472
Lifetime Value Added
-$10k
International Relations and National Security Studies
BachCIP: 4509
Median Debt
$23,250
Earnings (2yr)
$24,730
Natl Median: $66,596
Lifetime Value Added
-$299k
Journalism
BachCIP: 0904
Median Debt
$25,958
Earnings (4yr)
$50,813
Natl Median: $56,278
Lifetime Value Added
-$82k
Liberal Arts and Sciences, General Studies and Humanities
BachCIP: 2401
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,072
Lifetime Value Added
N/A
Linguistic, Comparative, and Related Language Studies and Services
BachCIP: 1601
Median Debt
-
Earnings (4yr)
-
Natl Median: $49,984
Lifetime Value Added
N/A
Marketing
BachCIP: 5214
Median Debt
$20,698
Earnings (4yr)
$66,766
Natl Median: $69,303
Lifetime Value Added
+$46k
Mathematics
BachCIP: 2701
Median Debt
$25,084
Earnings (4yr)
-
Natl Median: $69,562
Lifetime Value Added
N/A
Music
BachCIP: 5009
Median Debt
-
Earnings (4yr)
$41,122
Natl Median: $42,892
Lifetime Value Added
-$165k
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
$23,402
Earnings (4yr)
$56,281
Natl Median: $63,293
Lifetime Value Added
-$37k
Psychology, General
BachCIP: 4201
Median Debt
$22,500
Earnings (4yr)
$52,023
Natl Median: $50,706
Lifetime Value Added
-$72k
Public Relations, Advertising, and Applied Communication
BachCIP: 0909
Median Debt
$23,750
Earnings (4yr)
$58,675
Natl Median: $63,560
Lifetime Value Added
-$18k
Radio, Television, and Digital Communication
BachCIP: 0907
Median Debt
$20,500
Earnings (4yr)
$48,489
Natl Median: $50,497
Lifetime Value Added
-$102k
Rhetoric and Composition/Writing Studies
BachCIP: 2313
Median Debt
$25,000
Earnings (4yr)
$40,579
Natl Median: $48,471
Lifetime Value Added
-$169k
Romance Languages, Literatures, and Linguistics
BachCIP: 1609
Median Debt
-
Earnings (2yr)
$26,933
Natl Median: $55,000
Lifetime Value Added
-$278k
Sociology
BachCIP: 4511
Median Debt
$26,000
Earnings (4yr)
$51,537
Natl Median: $52,657
Lifetime Value Added
-$76k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
$20,196
Earnings (4yr)
$57,622
Natl Median: $47,382
Lifetime Value Added
-$26k
Teacher Education and Professional Development, Specific Subject Areas
BachCIP: 1313
Median Debt
$21,500
Earnings (4yr)
$59,412
Natl Median: $51,389
Lifetime Value Added
-$12k
Teaching English or French as a Second or Foreign Language
BachCIP: 1314
Median Debt
-
Earnings (4yr)
-
Natl Median: $42,259
Lifetime Value Added
N/A
Zoology/Animal Biology
BachCIP: 2607
Median Debt
$22,500
Earnings (4yr)
$40,755
Natl Median: $44,055
Lifetime Value Added
-$168k
Master's Degrees
Accounting and Related Services
MastCIP: 5203
Median Debt
$20,500
Earnings (4yr)
$84,645
Natl Median: $95,833
Lifetime Value Added
+$76k
Business Administration, Management and Operations
MastCIP: 5202
Median Debt
$22,118
Earnings (4yr)
$92,779
Natl Median: $103,485
Lifetime Value Added
+$147k
Chemistry
MastCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $82,937
Lifetime Value Added
N/A
Clinical, Counseling and Applied Psychology
MastCIP: 4228
Median Debt
$41,000
Earnings (4yr)
$70,806
Natl Median: $65,184
Lifetime Value Added
-$46k
Communication and Media Studies
MastCIP: 0901
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,953
Lifetime Value Added
N/A
Computer and Information Sciences and Support Services, Other
MastCIP: 1199
Median Debt
-
Earnings (4yr)
-
Natl Median: $139,553
Lifetime Value Added
N/A
Curriculum and Instruction
MastCIP: 1303
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,399
Lifetime Value Added
N/A
Economics
MastCIP: 4506
Median Debt
-
Earnings (4yr)
-
Natl Median: $100,743
Lifetime Value Added
N/A
Education, General
MastCIP: 1301
Median Debt
$28,143
Earnings (4yr)
$61,828
Natl Median: $65,824
Lifetime Value Added
-$126k
Educational Administration and Supervision
MastCIP: 1304
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,685
Lifetime Value Added
N/A
Fine and Studio Arts
MastCIP: 5007
Median Debt
-
Earnings (4yr)
-
Natl Median: $49,079
Lifetime Value Added
N/A
Health and Medical Administrative Services
MastCIP: 5107
Median Debt
-
Earnings (4yr)
-
Natl Median: $89,981
Lifetime Value Added
N/A
Health Services/Allied Health/Health Sciences, General
MastCIP: 5100
Median Debt
-
Earnings (4yr)
-
Natl Median: $78,149
Lifetime Value Added
N/A
History
MastCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,360
Lifetime Value Added
N/A
Medical Illustration and Informatics
MastCIP: 5127
Median Debt
-
Earnings (4yr)
-
Natl Median: $101,441
Lifetime Value Added
N/A
Mental and Social Health Services and Allied Professions
MastCIP: 5115
Median Debt
$40,308
Earnings (4yr)
$61,498
Natl Median: $59,571
Lifetime Value Added
-$129k
Psychology, Other
MastCIP: 4299
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,796
Lifetime Value Added
N/A
Special Education and Teaching
MastCIP: 1310
Median Debt
-
Earnings (2yr)
$50,231
Natl Median: $64,397
Lifetime Value Added
-$215k
Student Counseling and Personnel Services
MastCIP: 1311
Median Debt
-
Earnings (4yr)
$66,839
Natl Median: $60,111
Lifetime Value Added
-$80k
Teacher Education and Professional Development, Specific Levels and Methods
MastCIP: 1312
Median Debt
-
Earnings (4yr)
$64,132
Natl Median: $59,916
Lifetime Value Added
-$105k
Teacher Education and Professional Development, Specific Subject Areas
MastCIP: 1313
Median Debt
$20,500
Earnings (4yr)
$65,102
Natl Median: $63,707
Lifetime Value Added
-$96k
Teaching English or French as a Second or Foreign Language
MastCIP: 1314
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,767
Lifetime Value Added
N/A
Graduate Certificates
Clinical, Counseling and Applied Psychology
Gr-CertCIP: 4228
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,509
Lifetime Value Added
N/A
Educational Administration and Supervision
Gr-CertCIP: 1304
Median Debt
-
Earnings (5yr)
$96,767
Natl Median: $92,532
Lifetime Value Added
+$258k
Health Services/Allied Health/Health Sciences, General
Gr-CertCIP: 5100
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,888
Lifetime Value Added
N/A
Mental and Social Health Services and Allied Professions
Gr-CertCIP: 5115
Median Debt
-
Earnings (4yr)
-
Natl Median: $60,655
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.