10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$157,610at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Hardin-Simmons University
⌖ Abilene, TX · 12 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$157,610 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
At these assumptions, the estimated earnings premium does not recover the modeled economic investment within ten years.
25.7 yrsModeled economic break-even
−61%Modeled 10-year ROI
$55,061Observed earnings · year 5
ECONOMIC INVESTMENT → PAYBACK
Estimated payoff over ten years.
The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.
FEDERAL COST DATA
Four ways to read college price.
Annual college-wide figures from the current College Scorecard release. Average net price covers full-time, first-time undergraduates receiving federal aid; public-college figures use in-state students. Program tuition and individual aid offers may differ.
Cost, completion and earnings context
$19,555Average net price / year
$45,904Cost of attendance
$55,061Median earnings · year 5 after completion
46.0%Completion rate
90.0%Admission rate
1,283Student size
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
EARNINGS PATH
Reported earnings over time
$40,226Year 1
$53,769Year 4
$55,061Year 5
Separate federal cohorts may underlie different measurement years.
The college average is not the whole story.
Observed earnings vary substantially by field and credential at the same institution.
1Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$90,2762Rehabilitation and Therapeutic Professions · Doctoral Degree$83,8203Finance and Financial Management Services · Bachelor's Degree$72,4254Theological and Ministerial Studies · Master's Degree$65,1475Sports, Kinesiology, and Physical Education/Fitness · Master's Degree$63,6326Student Counseling and Personnel Services · Master's Degree$57,1677Biology, General · Bachelor's Degree$52,0058Teacher Education and Professional Development, Specific Subject Areas · Bachelor's Degree$51,722Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in TX
Currently operating private nonprofit institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive—not a quality ranking.
Stafford, TX
North American University
- Annual net price
- $18,721
- Observed earnings · year 5
- $55,417
- Modeled 10-year ROI
- -59%
Wayland Baptist University
- Annual net price
- $20,590
- Observed earnings · year 5
- $56,493
- Modeled 10-year ROI
- -56%
McMurry University
- Annual net price
- $19,581
- Observed earnings · year 5
- $52,587
- Modeled 10-year ROI
- -71%
Schreiner University
- Annual net price
- $21,507
- Observed earnings · year 5
- $56,143
- Modeled 10-year ROI
- -58%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $90,276 | Not available |
| Rehabilitation and Therapeutic Professions | Doctoral Degree | $83,820 | Not available |
| Finance and Financial Management Services | Bachelor's Degree | $72,425 | Not available |
| Theological and Ministerial Studies | Master's Degree | $65,147 | Not available |
| Sports, Kinesiology, and Physical Education/Fitness | Master's Degree | $63,632 | Not available |
| Student Counseling and Personnel Services | Master's Degree | $57,167 | Not available |
| Biology, General | Bachelor's Degree | $52,005 | $26,500 |
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | $51,722 | $27,709 |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $50,560 | $26,850 |
| Criminal Justice and Corrections | Bachelor's Degree | $49,389 | $28,000 |
| Business Administration, Management and Operations | Bachelor's Degree | $48,112 | $24,290 |
| Psychology, General | Bachelor's Degree | $47,423 | $26,695 |
Earnings, price, completion and enrollment are observed federal measures. ROI, payoff and break-even are modeled scenarios built from those measures and fixed assumptions. College payoff is not the payoff of every degree at this school; use the program table for a more precise comparison.