College ROI

Smarter Choices, Brighter Futures
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University of Mary Hardin-Baylor

Belton, TX 2,959 Undergrads 54.5% Grad Rate
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Total Cost
$45,235
Sticker Price
Avg Net Price
$28,690
After Aid
Median Earnings
$56,132
10yr Post-Entry

Vs. Peer Institutions

Net Price$28,690
Peer Midpoint: $19,729.5
Earnings (10yr)$56,132
Peer Midpoint: $53,747
Graduation Rate54.5%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients38.7%
Enrollment Status
Full-Time94.9%
Economic Outcomes
Earn More than HS74.9%

Admissions Profile

Acceptance
95.1%
SAT Avg
1,098
SAT Reading
25th: 49054075th: 620
SAT Math
25th: 48052575th: 580
ACT Composite
25th: 192275th: 26

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
+$486k
+$90k
+$2k
Median Cost$29k/yr
+$383k
-$13k
-$101k
Full Cost$45k/yr
+$324k
-$73k
-$161k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
61
Median Cost$29k/yr
Never
-98%
Full Cost$45k/yr
Never
-99%
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-87%

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-83%
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
$23,500
Earnings (5yr)
$77,481
Lifetime Value Added
+$72k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$27,000
Earnings (5yr)
$58,541
Lifetime Value Added
-$73k
Cell/Cellular Biology and Anatomical Sciences
BachCIP: 2604
Median Debt
$27,250
Earnings (5yr)
$67,661
Lifetime Value Added
-$2k
Clinical, Counseling and Applied Psychology
BachCIP: 4228
Median Debt
$26,000
Earnings (5yr)
$49,927
Lifetime Value Added
-$143k
Computer Science
BachCIP: 1107
Median Debt
-
Earnings (2yr)
$55,964
Lifetime Value Added
-$66k
Health and Physical Education/Fitness
BachCIP: 3105
Median Debt
$25,000
Earnings (5yr)
$54,848
Lifetime Value Added
-$103k
Liberal Arts and Sciences, General Studies and Humanities
BachCIP: 2401
Median Debt
$28,143
Earnings (5yr)
$56,579
Lifetime Value Added
-$89k
Marketing
BachCIP: 5214
Median Debt
$27,000
Earnings (5yr)
$48,433
Lifetime Value Added
-$155k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
BachCIP: 5138
Median Debt
$27,000
Earnings (5yr)
$77,999
Lifetime Value Added
+$76k
Religion/Religious Studies
BachCIP: 3802
Median Debt
-
Earnings (2yr)
$18,309
Lifetime Value Added
-$403k
Social Work
BachCIP: 4407
Median Debt
$25,000
Earnings (5yr)
$49,498
Lifetime Value Added
-$146k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
$26,375
Earnings (5yr)
$55,130
Lifetime Value Added
-$100k
Teacher Education and Professional Development, Specific Subject Areas
BachCIP: 1313
Median Debt
$27,000
Earnings (5yr)
$56,495
Lifetime Value Added
-$89k

Master's Degrees

Business Administration, Management and Operations
MastCIP: 5202
Median Debt
$31,000
Earnings (5yr)
$94,458
Lifetime Value Added
+$339k
Educational Administration and Supervision
MastCIP: 1304
Median Debt
$30,150
Earnings (5yr)
$55,268
Lifetime Value Added
-$3k
Health and Physical Education/Fitness
MastCIP: 3105
Median Debt
$29,000
Earnings (5yr)
$49,309
Lifetime Value Added
-$59k
Mental and Social Health Services and Allied Professions
MastCIP: 5115
Median Debt
$53,800
Earnings (5yr)
$64,612
Lifetime Value Added
+$82k
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
MastCIP: 5138
Median Debt
$41,000
Earnings (5yr)
$114,281
Lifetime Value Added
+$509k

Doctoral Degrees

Educational Administration and Supervision
DocCIP: 1304
Median Debt
$68,125
Earnings (5yr)
$78,328
Lifetime Value Added
+$35k

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.