College ROI

Smarter Choices, Brighter Futures
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Union College

Schenectady, NY 2,070 Undergrads 86.0% Grad Rate
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Total Cost
$81,627
Sticker Price
Avg Net Price
$36,000
After Aid
Median Earnings
$88,604
10yr Post-Entry

Vs. Peer Institutions

Net Price$36,000
Peer Midpoint: $19,729.5
Earnings (10yr)$88,604
Peer Midpoint: $53,747
Graduation Rate86.0%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients13.3%
Enrollment Status
Full-Time99.4%
Economic Outcomes
Earn More than HS83.6%

Admissions Profile

Acceptance
43.8%
SAT Avg
1,410
SAT Reading
25th: 65067075th: 720
SAT Math
25th: 66069075th: 760
ACT Composite
25th: 303075th: 33

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
+$730k
+$333k
+$245k
Median Cost$36k/yr
+$600k
+$204k
+$116k
Full Cost$82k/yr
+$436k
+$39k
-$48k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
27
Median Cost$36k/yr
38
89%
Full Cost$82k/yr
Never
-16%
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 Return60%

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-47%
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

Biology, General
BachCIP: 2601
Median Debt
$21,500
Earnings (2yr)
$41,565
Lifetime Value Added
-$217k
Biomedical/Medical Engineering
BachCIP: 1405
Median Debt
$27,000
Earnings (2yr)
$59,124
Lifetime Value Added
-$66k
Computer and Information Sciences, General
BachCIP: 1101
Median Debt
-
Earnings (2yr)
$76,460
Lifetime Value Added
+$73k
Economics
BachCIP: 4506
Median Debt
$27,000
Earnings (5yr)
$113,427
Lifetime Value Added
+$314k
Electrical, Electronics and Communications Engineering
BachCIP: 1410
Median Debt
-
Earnings (2yr)
$63,392
Lifetime Value Added
-$31k
English Language and Literature, General
BachCIP: 2301
Median Debt
-
Earnings (5yr)
$57,259
Lifetime Value Added
-$110k
Geological and Earth Sciences/Geosciences
BachCIP: 4006
Median Debt
-
Earnings (5yr)
$75,195
Lifetime Value Added
+$28k
History
BachCIP: 5401
Median Debt
-
Earnings (2yr)
$31,848
Lifetime Value Added
-$305k
Liberal Arts and Sciences, General Studies and Humanities
BachCIP: 2401
Median Debt
$24,500
Earnings (5yr)
$49,183
Lifetime Value Added
-$175k
Mechanical Engineering
BachCIP: 1419
Median Debt
$27,000
Earnings (5yr)
$97,575
Lifetime Value Added
+$196k
Neurobiology and Neurosciences
BachCIP: 2615
Median Debt
$24,500
Earnings (5yr)
$67,210
Lifetime Value Added
-$32k
Physical Sciences, Other
BachCIP: 4099
Median Debt
-
Earnings (2yr)
$39,909
Lifetime Value Added
-$232k
Political Science and Government
BachCIP: 4510
Median Debt
$25,389
Earnings (5yr)
$83,411
Lifetime Value Added
+$90k
Psychology, General
BachCIP: 4201
Median Debt
-
Earnings (5yr)
$67,572
Lifetime Value Added
-$29k

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.