College ROI

Smarter Choices, Brighter Futures
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Stevenson University

Owings Mills, MD 3,102 Undergrads 63.0% Grad Rate
Share
Total Cost
$58,394
Sticker Price
Avg Net Price
$26,505
After Aid
Median Earnings
$66,853
4yr Post-Grad

Vs. Peer Institutions

Net Price$26,505
Peer Midpoint: $20,081
Earnings (4yr Post-Grad)Completers only after graduation
$66,853
Peer Midpoint: $60,428
Earnings (10yr Post-Enroll)All enrolled after enrollment
$62,079
Peer Midpoint: $53,763
Graduation Rate63.0%
Peer Midpoint: 58.9%
Average Starting Age21.6
Socio-Economic Diversity
Pell Grant Recipients29.9%
Enrollment Status
Full-Time90.4%
Economic Outcomes
Earn More than HS80.9%

Admissions Profile

Acceptance
78.9%
SAT Avg
-
SAT Reading
25th: --75th: -
SAT Math
25th: --75th: -
ACT Composite
25th: --75th: -

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
+$590k
+$123k
+$105k
Median Cost$27k/yr
+$494k
+$27k
+$10k
Full Cost$58k/yr
+$380k
-$87k
-$105k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
32
Median Cost$27k/yr
57
10%
Full Cost$58k/yr
Never
-50%
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-2%

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

Program ROI Analysis

Bachelor's Degrees

Median Debt
-
Earnings (4yr)
$81,299
Natl Median: $76,194
Lifetime Value Added
+$120k
Applied Mathematics
BachCIP: 2703
Median Debt
-
Earnings (4yr)
-
Natl Median: $91,532
Lifetime Value Added
N/A
Median Debt
$27,000
Earnings (4yr)
$73,584
Natl Median: $65,466
Lifetime Value Added
+$61k
Biology, General
BachCIP: 2601
Median Debt
$27,000
Earnings (4yr)
$56,451
Natl Median: $57,214
Lifetime Value Added
-$73k
Biotechnology
BachCIP: 2612
Median Debt
-
Earnings (4yr)
-
Natl Median: $67,097
Lifetime Value Added
N/A
Median Debt
$26,000
Earnings (4yr)
$64,956
Natl Median: $68,257
Lifetime Value Added
-$5k
Median Debt
$26,000
Earnings (4yr)
$60,109
Natl Median: $65,784
Lifetime Value Added
-$43k
Chemistry
BachCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,120
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $75,975
Lifetime Value Added
N/A
Median Debt
$27,000
Earnings (4yr)
$81,700
Natl Median: $73,587
Lifetime Value Added
+$123k
Median Debt
$26,425
Earnings (4yr)
$61,348
Natl Median: $55,378
Lifetime Value Added
-$33k
Median Debt
$27,000
Earnings (4yr)
$55,419
Natl Median: $51,490
Lifetime Value Added
-$81k
Median Debt
-
Earnings (4yr)
-
Natl Median: $39,775
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $48,590
Lifetime Value Added
N/A
Median Debt
$27,000
Earnings (4yr)
$38,813
Natl Median: $43,765
Lifetime Value Added
-$221k
History
BachCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $50,680
Lifetime Value Added
N/A
Median Debt
$27,000
Earnings (4yr)
$49,902
Natl Median: $48,568
Lifetime Value Added
-$127k
Median Debt
-
Earnings (4yr)
$113,367
Natl Median: $85,294
Lifetime Value Added
+$365k
Median Debt
$25,625
Earnings (4yr)
$63,656
Natl Median: $53,266
Lifetime Value Added
-$15k
Median Debt
$29,046
Earnings (4yr)
$54,463
Natl Median: $55,693
Lifetime Value Added
-$89k
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,012
Lifetime Value Added
N/A
Psychology, General
BachCIP: 4201
Median Debt
$26,247
Earnings (4yr)
$57,285
Natl Median: $50,706
Lifetime Value Added
-$66k
Median Debt
-
Earnings (4yr)
$59,377
Natl Median: $50,497
Lifetime Value Added
-$49k
Median Debt
$26,327
Earnings (4yr)
$92,710
Natl Median: $88,910
Lifetime Value Added
+$208k
Median Debt
$26,345
Earnings (4yr)
$53,007
Natl Median: $59,631
Lifetime Value Added
-$101k
Median Debt
$26,000
Earnings (4yr)
$54,233
Natl Median: $47,382
Lifetime Value Added
-$91k

Post-Baccalaureate Certificates

Median Debt
-
Earnings (4yr)
-
Natl Median: $106,875
Lifetime Value Added
N/A

Master's Degrees

Median Debt
-
Earnings (4yr)
-
Natl Median: $71,953
Lifetime Value Added
N/A
Education, Other
MastCIP: 1399
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,348
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $89,981
Lifetime Value Added
N/A
Median Debt
$37,396
Earnings (4yr)
$96,835
Natl Median: $112,705
Lifetime Value Added
+$164k
Median Debt
$41,000
Earnings (4yr)
$87,877
Natl Median: $101,855
Lifetime Value Added
+$85k
Median Debt
$31,017
Earnings (4yr)
$111,980
Natl Median: $120,193
Lifetime Value Added
+$296k
Median Debt
$41,000
Earnings (4yr)
$86,344
Natl Median: $82,399
Lifetime Value Added
+$72k
Median Debt
-
Earnings (4yr)
-
Natl Median: $59,916
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.