College ROI

Smarter Choices, Brighter Futures
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Texas A&M University-San Antonio

San Antonio, TX 6,599 Undergrads 63.7% Grad Rate
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Total Cost
$21,655
Sticker Price
Avg Net Price
$11,196
After Aid
Median Earnings
$55,112
4yr Post-Grad

Vs. Peer Institutions

Net Price$11,196
Peer Midpoint: $20,080.5
Earnings (10yr)$55,112
Peer Midpoint: $60,428
Graduation Rate63.7%
Peer Midpoint: 58.9%
Socio-Economic Diversity
Pell Grant Recipients53.5%
Enrollment Status
Full-Time66.8%
Economic Outcomes
Earn More than HS73.7%

Admissions Profile

Acceptance
92.8%
SAT Avg
955
SAT Reading
25th: 43052175th: 540
SAT Math
25th: 41051075th: 530
ACT Composite
25th: 152075th: 21

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
+$489k
+$29k
+$12k
Median Cost$11k/yr
+$449k
-$11k
-$28k
Full Cost$22k/yr
+$411k
-$49k
-$66k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
51
Median Cost$11k/yr
Never
-71%
Full Cost$22k/yr
Never
-85%
Analysis Assumptions:
  • Starting Salary: Estimated from the 10-year 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-52%

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-62%
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
$20,466
Earnings (4yr)
$60,376
Nat: $76,194
Lifetime Value Added
+$5k
Biology, General
BachCIP: 2601
Median Debt
$18,750
Earnings (4yr)
$45,920
Nat: $57,214
Lifetime Value Added
-$113k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$19,943
Earnings (4yr)
$63,786
Nat: $68,257
Lifetime Value Added
+$32k
Business/Commerce, General
BachCIP: 5201
Median Debt
$16,257
Earnings (4yr)
$56,787
Nat: $68,407
Lifetime Value Added
-$24k
Communication and Media Studies
BachCIP: 0901
Median Debt
$17,755
Earnings (4yr)
$50,856
Nat: $56,359
Lifetime Value Added
-$72k
Computer Science
BachCIP: 1107
Median Debt
-
Earnings
-
Nat: $107,009
Lifetime Value Added
N/A
Criminology
BachCIP: 4504
Median Debt
-
Earnings
-
Nat: $55,556
Lifetime Value Added
N/A
English Language and Literature, General
BachCIP: 2301
Median Debt
$17,410
Earnings (4yr)
$48,877
Nat: $48,590
Lifetime Value Added
-$89k
Finance and Financial Management Services
BachCIP: 5208
Median Debt
$20,114
Earnings (4yr)
$64,417
Nat: $83,343
Lifetime Value Added
+$37k
History
BachCIP: 5401
Median Debt
$17,886
Earnings (4yr)
$50,062
Nat: $50,680
Lifetime Value Added
-$79k
International Business
BachCIP: 5211
Median Debt
-
Earnings (4yr)
$59,781
Nat: $73,201
Lifetime Value Added
+$465
Management Information Systems and Services
BachCIP: 5212
Median Debt
$15,998
Earnings (4yr)
$86,929
Nat: $83,290
Lifetime Value Added
+$208k
Marketing
BachCIP: 5214
Median Debt
$17,760
Earnings (4yr)
$48,687
Nat: $69,303
Lifetime Value Added
-$90k
Mathematics
BachCIP: 2701
Median Debt
-
Earnings
-
Nat: $69,562
Lifetime Value Added
N/A
Multi/Interdisciplinary Studies, Other
BachCIP: 3099
Median Debt
$18,000
Earnings (4yr)
$54,006
Nat: $55,693
Lifetime Value Added
-$46k
Political Science and Government
BachCIP: 4510
Median Debt
-
Earnings
-
Nat: $63,293
Lifetime Value Added
N/A
Psychology, General
BachCIP: 4201
Median Debt
$14,810
Earnings (4yr)
$46,362
Nat: $50,706
Lifetime Value Added
-$110k
Romance Languages, Literatures, and Linguistics
BachCIP: 1609
Median Debt
-
Earnings
-
Nat: $55,000
Lifetime Value Added
N/A
Social Sciences, General
BachCIP: 4501
Median Debt
$17,750
Earnings (4yr)
$47,014
Nat: $53,366
Lifetime Value Added
-$104k
Sociology
BachCIP: 4511
Median Debt
$15,643
Earnings (4yr)
$45,191
Nat: $52,657
Lifetime Value Added
-$120k
Sports, Kinesiology, and Physical Education/Fitness
BachCIP: 3105
Median Debt
$18,000
Earnings (4yr)
$55,218
Nat: $54,562
Lifetime Value Added
-$36k

Master's Degrees

Accounting and Related Services
MastCIP: 5203
Median Debt
$21,463
Earnings (4yr)
$78,518
Nat: $95,833
Lifetime Value Added
+$237k
Bilingual, Multilingual, and Multicultural Education
MastCIP: 1302
Median Debt
-
Earnings
-
Nat: $71,241
Lifetime Value Added
N/A
Business Administration, Management and Operations
MastCIP: 5202
Median Debt
$22,270
Earnings (4yr)
$88,035
Nat: $103,485
Lifetime Value Added
+$319k
Educational Administration and Supervision
MastCIP: 1304
Median Debt
$21,522
Earnings (4yr)
$69,440
Nat: $71,685
Lifetime Value Added
+$158k
English Language and Literature, General
MastCIP: 2301
Median Debt
-
Earnings
-
Nat: $55,512
Lifetime Value Added
N/A
Mental and Social Health Services and Allied Professions
MastCIP: 5115
Median Debt
-
Earnings
-
Nat: $59,571
Lifetime Value Added
N/A
Special Education and Teaching
MastCIP: 1310
Median Debt
$29,092
Earnings (4yr)
$61,312
Nat: $64,397
Lifetime Value Added
+$85k
Sports, Kinesiology, and Physical Education/Fitness
MastCIP: 3105
Median Debt
-
Earnings
-
Nat: $62,033
Lifetime Value Added
N/A
Student Counseling and Personnel Services
MastCIP: 1311
Median Debt
$32,207
Earnings (4yr)
$59,353
Nat: $60,111
Lifetime Value Added
+$67k
Teacher Education and Professional Development, Specific Levels and Methods
MastCIP: 1312
Median Debt
-
Earnings
-
Nat: $59,916
Lifetime Value Added
N/A
Teacher Education and Professional Development, Specific Subject Areas
MastCIP: 1313
Median Debt
-
Earnings (4yr)
$63,819
Nat: $63,707
Lifetime Value Added
+$108k

Note: Lifetime Value Added is the Net Present Value (NPV) of estimated career earnings relative to a median high school graduate, 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 should not be compared with those Undergraduate Certificates, Associates or Bachelors starting at age 18.