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University of St Thomas
Saint Paul, MN 6,014 Undergrads 78.0% Grad Rate
Total Cost
$64,684
Sticker Price
Avg Net Price
$30,525
After Aid
Median Earnings
$73,739
10yr Post-Entry
Vs. Peer Institutions
Net Price$30,525
Peer Midpoint: $19,729.5
Earnings (10yr)$73,739
Peer Midpoint: $53,747
Graduation Rate78.0%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients19.1%
Enrollment Status
Full-Time97.9%
Economic Outcomes
Earn More than HS87.4%
Admissions Profile
Acceptance
84.9%
SAT Avg
1,296
SAT Reading
25th: 61062075th: 708
SAT Math
25th: 61363075th: 708
ACT Composite
25th: 252575th: 30
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
+$621k
+$224k
+$136k
Median Cost$31k/yr
+$511k
+$114k
+$26k
Full Cost$65k/yr
+$388k
-$9k
-$97k
ROI Efficiency Metrics
Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
30
∞
Median Cost$31k/yr
51
24%
Full Cost$65k/yr
Never
-42%
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 Return13%
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-60%
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
$22,750
Earnings (5yr)
$89,852
Lifetime Value Added
+$158k
Biochemistry, Biophysics and Molecular Biology
BachCIP: 2602
Median Debt
$24,226
Earnings (2yr)
$33,993
Lifetime Value Added
-$266k
Biology, General
BachCIP: 2601
Median Debt
$25,735
Earnings (5yr)
$67,999
Lifetime Value Added
-$6k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$22,250
Earnings (5yr)
$79,513
Lifetime Value Added
+$80k
Communication, Journalism, and Related Programs, Other
BachCIP: 0999
Median Debt
-
Earnings (5yr)
$66,067
Lifetime Value Added
-$21k
Computer Science
BachCIP: 1107
Median Debt
$22,454
Earnings (5yr)
$100,656
Lifetime Value Added
+$239k
Criminology
BachCIP: 4504
Median Debt
$26,848
Earnings (5yr)
$68,406
Lifetime Value Added
-$3k
Economics
BachCIP: 4506
Median Debt
$24,250
Earnings (5yr)
$78,183
Lifetime Value Added
+$70k
Electrical, Electronics and Communications Engineering
BachCIP: 1410
Median Debt
$26,122
Earnings (5yr)
$104,912
Lifetime Value Added
+$270k
Entrepreneurial and Small Business Operations
BachCIP: 5207
Median Debt
$21,500
Earnings (5yr)
$86,169
Lifetime Value Added
+$130k
Finance and Financial Management Services
BachCIP: 5208
Median Debt
$25,485
Earnings (5yr)
$94,691
Lifetime Value Added
+$194k
Human Development, Family Studies, and Related Services
BachCIP: 1907
Median Debt
-
Earnings (2yr)
$32,653
Lifetime Value Added
-$278k
Human Resources Management and Services
BachCIP: 5210
Median Debt
$22,250
Earnings (5yr)
$75,925
Lifetime Value Added
+$54k
Liberal Arts and Sciences, General Studies and Humanities
BachCIP: 2401
Median Debt
-
Earnings (2yr)
$38,289
Lifetime Value Added
-$227k
Management Sciences and Quantitative Methods
BachCIP: 5213
Median Debt
$18,500
Earnings (5yr)
$99,241
Lifetime Value Added
+$228k
Marketing
BachCIP: 5214
Median Debt
$26,481
Earnings (5yr)
$76,644
Lifetime Value Added
+$59k
Mathematics
BachCIP: 2701
Median Debt
-
Earnings (2yr)
$49,058
Lifetime Value Added
-$132k
Mechanical Engineering
BachCIP: 1419
Median Debt
$27,000
Earnings (5yr)
$92,439
Lifetime Value Added
+$177k
Natural Resources Conservation and Research
BachCIP: 0301
Median Debt
$24,625
Earnings (2yr)
$29,639
Lifetime Value Added
-$305k
Neurobiology and Neurosciences
BachCIP: 2615
Median Debt
$27,000
Earnings (2yr)
$21,964
Lifetime Value Added
-$376k
Philosophy
BachCIP: 3801
Median Debt
$17,500
Earnings (5yr)
$57,472
Lifetime Value Added
-$88k
Political Science and Government
BachCIP: 4510
Median Debt
$22,250
Earnings (5yr)
$63,199
Lifetime Value Added
-$43k
Psychology, General
BachCIP: 4201
Median Debt
$27,000
Earnings (5yr)
$61,307
Lifetime Value Added
-$58k
Public Health
BachCIP: 5122
Median Debt
$25,750
Earnings (5yr)
$67,515
Lifetime Value Added
-$10k
Real Estate
BachCIP: 5215
Median Debt
-
Earnings (5yr)
$98,337
Lifetime Value Added
+$221k
Religion/Religious Studies
BachCIP: 3802
Median Debt
$19,500
Earnings (5yr)
$48,307
Lifetime Value Added
-$163k
Rhetoric and Composition/Writing Studies
BachCIP: 2313
Median Debt
-
Earnings (2yr)
$28,960
Lifetime Value Added
-$311k
Romance Languages, Literatures, and Linguistics
BachCIP: 1609
Median Debt
-
Earnings (2yr)
$39,909
Lifetime Value Added
-$213k
Social Work
BachCIP: 4407
Median Debt
-
Earnings (5yr)
$52,015
Lifetime Value Added
-$132k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
$25,500
Earnings (5yr)
$49,710
Lifetime Value Added
-$151k
Teacher Education and Professional Development, Specific Subject Areas
BachCIP: 1313
Median Debt
$27,000
Earnings (5yr)
$52,540
Lifetime Value Added
-$128k
Master's Degrees
Accounting and Related Services
MastCIP: 5203
Median Debt
-
Earnings (2yr)
$62,012
Lifetime Value Added
+$89k
Business Administration, Management and Operations
MastCIP: 5202
Median Debt
$61,317
Earnings (5yr)
$139,066
Lifetime Value Added
+$716k
Business/Corporate Communications
MastCIP: 5205
Median Debt
-
Earnings (2yr)
$64,493
Lifetime Value Added
+$112k
Clinical, Counseling and Applied Psychology
MastCIP: 4228
Median Debt
$48,861
Earnings (5yr)
$66,350
Lifetime Value Added
+$94k
Computer and Information Sciences, General
MastCIP: 1101
Median Debt
$42,843
Earnings (5yr)
$123,642
Lifetime Value Added
+$585k
Criminal Justice and Corrections
MastCIP: 4301
Median Debt
-
Earnings (5yr)
$94,620
Lifetime Value Added
+$337k
Education, Other
MastCIP: 1399
Median Debt
-
Earnings (5yr)
$121,236
Lifetime Value Added
+$565k
Educational Administration and Supervision
MastCIP: 1304
Median Debt
-
Earnings (5yr)
$70,221
Lifetime Value Added
+$127k
Mechanical Engineering
MastCIP: 1419
Median Debt
-
Earnings (5yr)
$106,795
Lifetime Value Added
+$442k
Social Work
MastCIP: 4407
Median Debt
$41,000
Earnings (5yr)
$70,173
Lifetime Value Added
+$127k
Special Education and Teaching
MastCIP: 1310
Median Debt
-
Earnings (5yr)
$69,048
Lifetime Value Added
+$117k
Teacher Education and Professional Development, Specific Levels and Methods
MastCIP: 1312
Median Debt
-
Earnings (2yr)
$51,106
Lifetime Value Added
-$16k
Professional Degrees
Law
ProfCIP: 2201
Median Debt
$74,968
Earnings (5yr)
$83,800
Lifetime Value Added
+$68k
Theological and Ministerial Studies
ProfCIP: 3906
Median Debt
-
Earnings (5yr)
$67,934
Lifetime Value Added
-$48k
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.