10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$262,128at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Howard Payne University
⌖ Brownwood, TX · 2 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$262,128 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
With these assumptions, the added earnings do not recover the cost within ten years.
221.7 yrsModeled economic break-even
−95%Modeled 10-year ROI
$46,238Observed earnings · year 5
Not reachedMaximum annual price for positive 10-year payoff
What the numbers say about Howard Payne University
What does Howard Payne University cost?
Howard Payne University reports an average annual net price of $23,627 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Howard Payne University graduates earn?
The observed median earnings figure is $46,238 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Howard Payne University graduates have?
Completer borrowers report median cumulative federal student debt of $26,793. Parent PLUS and private loans are not included.
Is every degree at Howard Payne University worth the same?
No. DegreeVerdict currently shows 2 field-and-credential outcomes at Howard Payne University; reported earnings and debt can differ substantially by program category.
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.
PRICE SENSITIVITY
The price can change the verdict.
Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.
← Negative payoff$0Positive payoff →
$0Annual price−$167,620
$8,000Annual price−$199,620
$16,000Annual price−$231,620
$24,000Current college-wide context−$263,620
$32,000Annual price−$295,620
$40,000Annual price−$327,620
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Southern Association of Colleges and Schools Commission on Colleges
- Main award level
- Bachelor’s degrees
- Campus setting
- Town
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$23,627Average net price / year
$46,766Cost of attendance
$26,793Median federal student debt · completer borrowers
$284/moPublished 10-year payment estimate
$46,238Median earnings · year 5 after completion
28.0%Completion rate
67.4%Admission rate
713Student size
Institution debt covers federal student-loan borrowers who completed. Parent PLUS and private loans are excluded; missing and privacy-suppressed values remain unavailable.
WHO PAYS, WHO FINISHES, WHO EARNS
Outcomes are not the same for every family.
These federal cohorts add context that a single college average can hide. Missing figures remain unreported rather than estimated.
Complete within 150% of the expected time
29% received a Pell Grant within eight yearsMedian Parent PLUS debt
174 parent borrowers in the reported cohortMedian federal student debt
49% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$45,227Earnings are not a guarantee
Middle income$49,398Earnings are not a guarantee
Higher income$49,099Earnings are not a guarantee
Three-year repayment progress
Lower income45%
Middle income51%
Higher income72%
Source: College Scorecard, June 2026 release. Parent PLUS debt belongs to parents; student-debt measures exclude Parent PLUS and private loans. Cohort definitions differ by measure.
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
WHAT STANDS OUT
A faster read on this college
These summaries use only reportable field-and-credential records at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS PATH
Reported earnings over time
$37,543Year 1
$50,567Year 4
$46,238Year 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.
1Teacher Education and Professional Development, Specific Subject Areas · Bachelor's Degree$56,1012Business Administration, Management and Operations · Bachelor's Degree$54,795Observed year-4 earnings · compare like fields and credentials before deciding
Programs that stand out against the same-degree benchmark
This view rewards performance relative to the same field and credential, not simply majors that pay more everywhere.
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.
Dallas, TX
Dallas Institute of Funeral Service
- Annual net price
- $22,825
- Observed earnings · year 5
- $47,525
- Modeled 10-year ROI
- -91%
Nelson University
- Annual net price
- $21,662
- Observed earnings · year 5
- $44,715
- Modeled 10-year ROI
- -101%
Arlington Baptist University
- Annual net price
- $24,906
- Observed earnings · year 5
- $48,562
- Modeled 10-year ROI
- -87%
Dallas Christian College
- Annual net price
- $22,960
- Observed earnings · year 5
- $51,384
- Modeled 10-year ROI
- -77%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | $56,101 | $24,467 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $54,795 | $25,000 | Not reported |
Awards use first-major IPEDS completions aggregated to the same four-digit field and credential.
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.