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Private nonprofit · COLLEGE PAYOFF

Mount St. Mary's University

⌖ Emmitsburg, MD · 21 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$60,350 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.

12.9 yrsModeled economic break-even
−22%Modeled 10-year ROI
$66,027Observed earnings · year 5
Economic ROI includes direct price and earnings forgone during study · $45,000 comparison earnings · values held flat · see the formula
ECONOMIC INVESTMENT → PAYBACK

Estimated payoff over ten years.

The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.

10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$60,350at year 10
Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
−$270,6200
2
4
6
8
−$60,35010
Years after graduationBreak-even: 12.9 years
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.

Published in-state tuition$48,630
Sticker price
Published out-of-state tuition$48,630
Sticker price
Average net price$22,655
Title IV student average
Cost of attendance$63,731
Tuition + living budget
PRICE SOURCECollege reported · annual amount · federal dataset
OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$22,655Average net price / year
$63,731Cost of attendance
$66,027Median earnings · year 5 after completion
65.4%Completion rate
73.8%Admission rate
1,768Student size
NATIONAL CONTEXT

How this college compares

Percentiles compare this institution with currently operating colleges that report the same federal measure.

87thEarnings percentile
60thCompletion percentile
EARNINGS PATH

Reported earnings over time

$43,850Year 1
$64,424Year 4
$66,027Year 5

Separate federal cohorts may underlie different measurement years.

PROGRAM PAYOFF SPREAD

The college average is not the whole story.

Observed earnings vary substantially by field and credential at the same institution.

1Educational Administration and Supervision · Master's Degree$105,1592Business Administration, Management and Operations · Master's Degree$97,3303Computer and Information Sciences, General · Bachelor's Degree$87,3604Health and Medical Administrative Services · Master's Degree$82,8695Accounting and Related Services · Bachelor's Degree$81,7966Biology, General · Bachelor's Degree$76,0627Business/Commerce, General · Bachelor's Degree$74,8398Teacher Education and Professional Development, Specific Levels and Methods · Master's Degree$60,543

Observed year-4 earnings · compare like fields and credentials before deciding

BUILD A REAL SHORTLIST

Comparable colleges in MD

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.

Owings Mills, MD

Stevenson University

Annual net price
$26,505
Observed earnings · year 5
$67,174
Modeled 10-year ROI
-22%
Open college profile →Frederick, MD

Hood College

Annual net price
$20,873
Observed earnings · year 5
$61,197
Modeled 10-year ROI
-39%
Open college profile →Baltimore, MD

Notre Dame of Maryland University

Annual net price
$19,169
Observed earnings · year 5
$70,123
Modeled 10-year ROI
-2%
Open college profile →Westminster, MD

McDaniel College

Annual net price
$21,916
Observed earnings · year 5
$59,050
Modeled 10-year ROI
-48%
Open college profile →
ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal fieldCredentialEarnings, year 4Federal debt
Educational Administration and SupervisionMaster's Degree$105,159Not available
Business Administration, Management and OperationsMaster's Degree$97,330Not available
Computer and Information Sciences, GeneralBachelor's Degree$87,360$21,240
Health and Medical Administrative ServicesMaster's Degree$82,869Not available
Accounting and Related ServicesBachelor's Degree$81,796$19,500
Biology, GeneralBachelor's Degree$76,062$25,000
Business/Commerce, GeneralBachelor's Degree$74,839$21,500
Teacher Education and Professional Development, Specific Levels and MethodsMaster's Degree$60,543Not available
CriminologyBachelor's Degree$60,428$27,000
Teacher Education and Professional Development, Specific Levels and MethodsBachelor's Degree$59,630$23,250
Communication and Media StudiesBachelor's Degree$57,669$26,312
SociologyBachelor's Degree$57,290$27,000
Political Science and GovernmentBachelor's Degree$56,507$27,000
Sports, Kinesiology, and Physical Education/FitnessBachelor's Degree$54,677Not available
Sports, Kinesiology, and Physical Education/FitnessMaster's Degree$53,086Not available
HistoryBachelor's Degree$50,563$27,000
Theological and Ministerial StudiesMaster's Degree$46,316Not available
Research and Experimental PsychologyBachelor's Degree$40,480$21,500
Fine and Studio ArtsBachelor's Degree$39,651$20,500
Multi/Interdisciplinary Studies, OtherBachelor's DegreeNot available$21,250
Health Professions and Related Clinical Sciences, OtherBachelor's DegreeNot available$21,500

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.