College ROI

Smarter Choices, Brighter Futures
Back to Colleges

University of Toledo

Toledo, OH 9,770 Undergrads 54.7% Grad Rate
School Website|Financial Calculator
Share
Total Cost
$27,112
Sticker Price
Avg Net Price
$16,406
After Aid
Median Earnings
$67,525
5yr Post-Grad

Vs. Peer Institutions

Net Price$16,406
Peer Midpoint: $19,969
Earnings (5yr Post-Grad)Completers only after graduation
$67,525
Peer Midpoint: $61,632
Earnings (10yr Post-Enroll)All enrolled after enrollment
$55,537
Peer Midpoint: $58,891
Graduation Rate54.7%
Peer Midpoint: 58.9%
Average starting age (2015-17)21.4
Socio-Economic Diversity
Pell Grant Recipients33.5%
Enrollment Status
Full-Time88.6%
Economic Outcomes
Earn More than HS73.5%

Admissions Profile

Acceptance
92.0%
SAT Avg
1,235
SAT Reading
25th: 55060075th: 650
SAT Math
25th: 55060075th: 650
ACT Composite
25th: 232675th: 29

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
+$588k
+$118k
+$102k
Median Cost$16k/yr
+$529k
+$59k
+$43k
Full Cost$27k/yr
+$491k
+$21k
+$4k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
32
∞
Median Cost$16k/yr
44
72%
Full Cost$27k/yr
61
4%
Analysis Assumptions:
  • Starting Salary: Estimated from the median earnings five years after graduating, with four years of 2% raises taken out.
  • 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 Return102%

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-26%

Program ROI Analysis

These figures are medians for past graduates who received federal aid. Your cost and pay will differ. Run your own numbers in the Guided ROI Interview →

Certificates

Median Debt
-
Earnings (4yr)
-
Natl Median: $49,747
Lifetime Value Added
N/A

Associate's Degrees

Median Debt
-
Earnings (4yr)
-
Natl Median: $47,660
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$56,264
Natl Median: $48,733
Lifetime Value Added
+$80k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $54,246
Lifetime Value Added
N/A
Computer Programming
AssocCIP: 1102
Median Debt
-
Earnings (4yr)
-
Natl Median: $58,070
Lifetime Value Added
N/A
Engineering Technologies/Technicians, General
AssocCIP: 1500
Median Debt
-
Earnings (4yr)
-
Natl Median: $62,343
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $44,669
Lifetime Value Added
N/A
Median Debt
$14,250
Earnings (4yr)
-
Natl Median: $44,125
Lifetime Value Added
N/A

Bachelor's Degrees

Median Debt
$20,500
Earnings (4yr)
$74,103
Natl Median: $76,194
Lifetime Value Added
+$104k
Try this program with your own numbers →
Median Debt
$21,900
Earnings (4yr)
$63,908
Natl Median: $70,786
Lifetime Value Added
+$25k
Try this program with your own numbers →
Anthropology
BachCIP: 4502
Median Debt
-
Earnings (4yr)
-
Natl Median: $46,676
Lifetime Value Added
N/A
Area Studies
BachCIP: 0501
Median Debt
-
Earnings (4yr)
-
Natl Median: $56,625
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,466
Lifetime Value Added
N/A
Biology, General
BachCIP: 2601
Median Debt
$18,500
Earnings (4yr)
$48,957
Natl Median: $57,214
Lifetime Value Added
-$99k
Try this program with your own numbers →
Median Debt
$16,875
Earnings (4yr)
$85,751
Natl Median: $93,451
Lifetime Value Added
+$193k
Try this program with your own numbers →
Median Debt
$19,625
Earnings (4yr)
$67,516
Natl Median: $68,257
Lifetime Value Added
+$53k
Try this program with your own numbers →
Median Debt
$16,032
Earnings (4yr)
$94,065
Natl Median: $98,158
Lifetime Value Added
+$256k
Try this program with your own numbers →
Chemistry
BachCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,120
Lifetime Value Added
N/A
Civil Engineering
BachCIP: 1408
Median Debt
$15,000
Earnings (4yr)
$79,886
Natl Median: $86,517
Lifetime Value Added
+$148k
Try this program with your own numbers →
Median Debt
$24,425
Earnings (4yr)
-
Natl Median: $75,975
Lifetime Value Added
N/A
Median Debt
$17,508
Earnings (4yr)
$47,659
Natl Median: $56,359
Lifetime Value Added
-$110k
Try this program with your own numbers →
Median Debt
$19,342
Earnings (4yr)
$80,501
Natl Median: $92,374
Lifetime Value Added
+$153k
Try this program with your own numbers →
Median Debt
$22,250
Earnings (4yr)
$93,816
Natl Median: $109,015
Lifetime Value Added
+$254k
Try this program with your own numbers →
Construction Engineering Technology/Technician
BachCIP: 1510
Median Debt
$23,899
Earnings (4yr)
$84,736
Natl Median: $93,843
Lifetime Value Added
+$185k
Try this program with your own numbers →
Median Debt
$19,250
Earnings (4yr)
$53,585
Natl Median: $55,378
Lifetime Value Added
-$60k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
$30,451
Natl Median: $39,775
Lifetime Value Added
-$259k
Try this program with your own numbers →
Economics
BachCIP: 4506
Median Debt
-
Earnings (2yr)
$38,289
Natl Median: $82,686
Lifetime Value Added
-$177k
Try this program with your own numbers →
Median Debt
$16,250
Earnings (4yr)
$95,846
Natl Median: $100,647
Lifetime Value Added
+$270k
Try this program with your own numbers →
Electromechanical Technologies/Technicians
BachCIP: 1504
Median Debt
-
Earnings (4yr)
$98,529
Natl Median: $84,304
Lifetime Value Added
+$290k
Try this program with your own numbers →
Median Debt
$21,287
Earnings (4yr)
$41,253
Natl Median: $48,590
Lifetime Value Added
-$165k
Try this program with your own numbers →
Median Debt
-
Earnings (2yr)
$41,565
Natl Median: $61,027
Lifetime Value Added
-$147k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $81,171
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,710
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$48,250
Natl Median: $43,765
Lifetime Value Added
-$105k
Try this program with your own numbers →
Median Debt
$23,500
Earnings (4yr)
$74,304
Natl Median: $83,343
Lifetime Value Added
+$105k
Try this program with your own numbers →
Median Debt
$26,910
Earnings (4yr)
$33,409
Natl Median: $41,367
Lifetime Value Added
-$233k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $57,853
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $60,190
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,459
Lifetime Value Added
N/A
Median Debt
$23,687
Earnings (4yr)
$54,335
Natl Median: $58,716
Lifetime Value Added
-$54k
Try this program with your own numbers →
History
BachCIP: 5401
Median Debt
$15,000
Earnings (4yr)
$37,964
Natl Median: $50,680
Lifetime Value Added
-$193k
Try this program with your own numbers →
Median Debt
$16,661
Earnings (4yr)
$60,561
Natl Median: $68,069
Lifetime Value Added
-$2k
Try this program with your own numbers →
Median Debt
$24,845
Earnings (4yr)
$73,932
Natl Median: $85,294
Lifetime Value Added
+$103k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
$85,247
Natl Median: $73,201
Lifetime Value Added
+$189k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
$48,605
Natl Median: $53,266
Lifetime Value Added
-$102k
Try this program with your own numbers →
Median Debt
$23,882
Earnings (4yr)
$34,428
Natl Median: $53,072
Lifetime Value Added
-$224k
Try this program with your own numbers →
Marketing
BachCIP: 5214
Median Debt
$20,500
Earnings (4yr)
$67,040
Natl Median: $69,303
Lifetime Value Added
+$49k
Try this program with your own numbers →
Mathematics
BachCIP: 2701
Median Debt
-
Earnings (2yr)
$38,289
Natl Median: $69,562
Lifetime Value Added
-$177k
Try this program with your own numbers →
Median Debt
$25,000
Earnings (4yr)
$83,465
Natl Median: $82,073
Lifetime Value Added
+$175k
Try this program with your own numbers →
Median Debt
$17,144
Earnings (4yr)
$90,717
Natl Median: $92,135
Lifetime Value Added
+$231k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
$53,672
Natl Median: $50,532
Lifetime Value Added
-$59k
Try this program with your own numbers →
Music
BachCIP: 5009
Median Debt
-
Earnings (4yr)
-
Natl Median: $42,892
Lifetime Value Added
N/A
Median Debt
$18,516
Earnings (4yr)
$49,332
Natl Median: $55,012
Lifetime Value Added
-$96k
Try this program with your own numbers →
Median Debt
$24,456
Earnings (4yr)
$63,190
Natl Median: $116,539
Lifetime Value Added
+$19k
Try this program with your own numbers →
Philosophy
BachCIP: 3801
Median Debt
$19,750
Earnings (5yr)
$69,222
Natl Median: $54,455
Lifetime Value Added
+$56k
Try this program with your own numbers →
Physics
BachCIP: 4008
Median Debt
-
Earnings (4yr)
-
Natl Median: $76,786
Lifetime Value Added
N/A
Median Debt
$17,500
Earnings (4yr)
-
Natl Median: $62,172
Lifetime Value Added
N/A
Median Debt
$20,937
Earnings (4yr)
$48,320
Natl Median: $63,293
Lifetime Value Added
-$104k
Try this program with your own numbers →
Psychology, General
BachCIP: 4201
Median Debt
$23,327
Earnings (4yr)
$43,795
Natl Median: $50,706
Lifetime Value Added
-$143k
Try this program with your own numbers →
Public Health
BachCIP: 5122
Median Debt
-
Earnings (2yr)
$39,369
Natl Median: $58,808
Lifetime Value Added
-$167k
Try this program with your own numbers →
Median Debt
$19,500
Earnings (4yr)
$77,241
Natl Median: $88,910
Lifetime Value Added
+$128k
Try this program with your own numbers →
Median Debt
$23,937
Earnings (4yr)
$52,613
Natl Median: $55,792
Lifetime Value Added
-$68k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $41,390
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,000
Lifetime Value Added
N/A
Social Work
BachCIP: 4407
Median Debt
$25,000
Earnings (4yr)
$45,476
Natl Median: $51,790
Lifetime Value Added
-$128k
Try this program with your own numbers →
Sociology
BachCIP: 4511
Median Debt
-
Earnings (4yr)
-
Natl Median: $52,657
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$53,958
Natl Median: $50,499
Lifetime Value Added
-$57k
Try this program with your own numbers →
Sports, Kinesiology, and Physical Education/Fitness
BachCIP: 3105
Median Debt
-
Earnings (4yr)
$68,866
Natl Median: $54,562
Lifetime Value Added
+$64k
Try this program with your own numbers →
Median Debt
$24,540
Earnings (4yr)
$43,533
Natl Median: $47,382
Lifetime Value Added
-$145k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $62,532
Lifetime Value Added
N/A

Master's Degrees

Median Debt
-
Earnings (4yr)
$74,825
Natl Median: $95,833
Lifetime Value Added
-$10k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $235,700
Lifetime Value Added
N/A
Median Debt
$137,581
Earnings (4yr)
$127,220
Natl Median: $127,347
Lifetime Value Added
+$448k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $80,271
Lifetime Value Added
N/A
Biology, General
MastCIP: 2601
Median Debt
-
Earnings (4yr)
$86,070
Natl Median: $69,830
Lifetime Value Added
+$89k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $110,121
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $106,375
Lifetime Value Added
N/A
Median Debt
$31,208
Earnings (4yr)
$97,241
Natl Median: $103,485
Lifetime Value Added
+$187k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $115,468
Lifetime Value Added
N/A
Chemistry
MastCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $82,937
Lifetime Value Added
N/A
Civil Engineering
MastCIP: 1408
Median Debt
-
Earnings (4yr)
-
Natl Median: $98,323
Lifetime Value Added
N/A
Median Debt
$43,953
Earnings (2yr)
$50,231
Natl Median: $65,184
Lifetime Value Added
-$217k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $66,714
Lifetime Value Added
N/A
Median Debt
-
Earnings (5yr)
$72,754
Natl Median: $63,399
Lifetime Value Added
-$40k
Try this program with your own numbers →
Economics
MastCIP: 4506
Median Debt
-
Earnings (4yr)
-
Natl Median: $100,743
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$59,531
Natl Median: $71,685
Lifetime Value Added
-$148k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $70,644
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $133,654
Lifetime Value Added
N/A
Engineering Science
MastCIP: 1413
Median Debt
-
Earnings (4yr)
-
Natl Median: $123,681
Lifetime Value Added
N/A
Median Debt
-
Earnings (2yr)
$31,305
Natl Median: $55,512
Lifetime Value Added
-$411k
Try this program with your own numbers →
Median Debt
-
Earnings (2yr)
$55,964
Natl Median: $110,694
Lifetime Value Added
-$160k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $79,784
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $79,463
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $89,981
Lifetime Value Added
N/A
History
MastCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,360
Lifetime Value Added
N/A
Median Debt
$41,000
Earnings (4yr)
$86,260
Natl Median: $83,558
Lifetime Value Added
+$91k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $112,705
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $97,121
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $101,000
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,716
Lifetime Value Added
N/A
Marketing
MastCIP: 5214
Median Debt
-
Earnings (5yr)
$79,154
Natl Median: $79,106
Lifetime Value Added
+$15k
Try this program with your own numbers →
Mathematics
MastCIP: 2701
Median Debt
-
Earnings (4yr)
-
Natl Median: $72,654
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $115,974
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$51,339
Natl Median: $59,571
Lifetime Value Added
-$226k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $84,750
Lifetime Value Added
N/A
Music
MastCIP: 5009
Median Debt
-
Earnings (4yr)
-
Natl Median: $48,285
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$56,105
Natl Median: $56,313
Lifetime Value Added
-$180k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $129,214
Lifetime Value Added
N/A
Philosophy
MastCIP: 3801
Median Debt
-
Earnings (4yr)
-
Natl Median: $60,272
Lifetime Value Added
N/A
Physics
MastCIP: 4008
Median Debt
-
Earnings (4yr)
-
Natl Median: $96,478
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $67,681
Lifetime Value Added
N/A
Psychology, General
MastCIP: 4201
Median Debt
-
Earnings (4yr)
-
Natl Median: $64,711
Lifetime Value Added
N/A
Public Health
MastCIP: 5122
Median Debt
-
Earnings (4yr)
$72,026
Natl Median: $82,751
Lifetime Value Added
-$34k
Try this program with your own numbers →
Median Debt
$54,000
Earnings (4yr)
$103,865
Natl Median: $120,193
Lifetime Value Added
+$245k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $60,728
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $66,129
Lifetime Value Added
N/A
Social Work
MastCIP: 4407
Median Debt
$31,207
Earnings (4yr)
$56,004
Natl Median: $65,123
Lifetime Value Added
-$181k
Try this program with your own numbers →
Sociology
MastCIP: 4511
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,330
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$59,246
Natl Median: $64,397
Lifetime Value Added
-$150k
Try this program with your own numbers →
Sports, Kinesiology, and Physical Education/Fitness
MastCIP: 3105
Median Debt
-
Earnings (4yr)
$56,606
Natl Median: $62,033
Lifetime Value Added
-$175k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
$50,005
Natl Median: $59,916
Lifetime Value Added
-$238k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
$59,624
Natl Median: $63,707
Lifetime Value Added
-$147k
Try this program with your own numbers →

Graduate Certificates

Median Debt
-
Earnings (4yr)
-
Natl Median: $117,834
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $95,414
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $72,959
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $59,095
Lifetime Value Added
N/A
Median Debt
-
Earnings (2yr)
$99,547
Natl Median: $125,050
Lifetime Value Added
+$342k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,709
Lifetime Value Added
N/A

Doctoral Degrees

Biology, General
DocCIP: 2601
Median Debt
-
Earnings (4yr)
-
Natl Median: $92,983
Lifetime Value Added
N/A
Chemistry
DocCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $115,386
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $83,031
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $100,573
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $133,482
Lifetime Value Added
N/A
History
DocCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $70,550
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $193,221
Lifetime Value Added
N/A
Mathematics
DocCIP: 2701
Median Debt
-
Earnings (4yr)
-
Natl Median: $89,656
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $101,435
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$132,308
Natl Median: $136,696
Lifetime Value Added
+$274k
Try this program with your own numbers →
Physics
DocCIP: 4008
Median Debt
-
Earnings (4yr)
-
Natl Median: $130,153
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $93,640
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $98,707
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $138,131
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$80,802
Natl Median: $82,893
Lifetime Value Added
-$107k
Try this program with your own numbers →
Median Debt
-
Earnings (4yr)
-
Natl Median: $88,768
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $85,168
Lifetime Value Added
N/A

Professional Degrees

Law
ProfCIP: 2201
Median Debt
$67,925
Earnings (4yr)
$85,086
Natl Median: $107,773
Lifetime Value Added
-$75k
Try this program with your own numbers →
Medicine
ProfCIP: 5112
Median Debt
$240,558
Earnings (4yr)
$106,268
Natl Median: $112,460
Lifetime Value Added
+$82k
Try this program with your own numbers →

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.