10-YEAR PAYOFF CURVECumulative economic payoff after graduation
+$124,474at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private nonprofit · COLLEGE PAYOFF
Saint Joseph's University - Philadelphia
Philadelphia, PA · 51 field-and-degree records
Earnings reported for 51 · Federal debt reported for 20
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Positive payoff
+$124,474 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
7.1 yrsTime to earn back the modeled cost
+42%Estimated return after 10 years
$87,323Observed earnings · year 5
$60,808Highest annual price before payoff reaches $0
The price benchmark is $31,119 per year below this threshold.
Start with your question
What do you want to understand?
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.
PUBLISHED STUDENT BUDGET · 2024–25
What makes up the annual price?
Sticker-price components reported to IPEDS. Grants and scholarships are not subtracted here.
Living off campus: $16,240 housing and food allowance plus $1,520 in other expenses.
Do not confuse this with net price. Net price subtracts average grants and scholarships. DegreeVerdict continues to use the separately labeled average net price in its standard college ROI scenario.
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+$243,230
$18,000Annual price+$171,230
$30,000Current college-wide context+$123,230
$36,000Annual price+$99,230
$54,000Annual price+$27,230
$72,000Annual price−$44,770
$90,000Annual price−$116,770
HOW STUDENTS ATTEND · 2023-24
Online study is a meaningful part of the student experience.
IPEDS enrollment counts show course delivery across the whole institution. They do not indicate whether a specific degree can be completed online.
Institution-level attendance context from IPEDS. Program delivery is reported separately on degree pages and in the program directory. These figures do not enter ROI.
College identity and local contextAccreditation, institution type, dual enrollment and state prices
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Middle States Commission on Higher Education
- Main award level
- Bachelor’s degrees
- Campus setting
- City
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
60 high-school students took college courses.
IPEDS counts students enrolled in college credit while still in high school. A large dual-enrollment population can shape headline enrollment figures, especially at community colleges.
This is participation, not a college completion rate. It does not indicate how many students later enrolled after high school, earned a credential or entered the workforce.
STATE PRICE CONTEXT · 2024
Prices in Pennsylvania run 2% below the U.S. level.
BEA Regional Price Parities compare price levels across states. A value of 100 equals the national average.
What it costs and what graduates earn
$29,689Average net price / year
$67,954Cost of attendance
$25,500Median federal student debt · completer borrowers
$270/moPublished 10-year payment estimate
$87,323Median earnings · year 5 after completion
78.8%Completion rate
88.8%Admission rate
1,258Average SAT score
28ACT midpoint
4,948Student size
Debt covers federal student-loan borrowers who completed. It does not include Parent PLUS or private loans. We show admissions scores only when a valid federal value is available.
What the numbers say about Saint Joseph's University - Philadelphia
What does Saint Joseph's University - Philadelphia cost?
Saint Joseph's University - Philadelphia reports an average annual net price of $29,689 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Saint Joseph's University - Philadelphia graduates earn?
The observed median earnings figure is $87,323 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Saint Joseph's University - Philadelphia graduates have?
Completer borrowers report median cumulative federal student debt of $25,500. Parent PLUS and private loans are not included.
Is every degree at Saint Joseph's University - Philadelphia worth the same?
No. The current release contains 51 field-and-degree records for Saint Joseph's University - Philadelphia; 51 report year-4 earnings and 20 report federal debt. Outcomes can differ substantially by field and degree level.
DEBT AFTER COLLEGE
Are borrowers making progress?
Repayment progress, default and debt at exit describe different federal borrower cohorts. They are shown separately and do not change the ROI estimate.
Source: College Scorecard. Repayment progress is the share of borrowers who reduced principal by at least $1 at the stated measurement point. Debt covers federal student loans; Parent PLUS and private loans are excluded. Cohorts and reporting periods differ across measures.
Who studied here during the year
7,706Students enrolled at any point
5,170Undergraduate students
2,536Graduate students
Unduplicated students enrolled at any point from July 1, 2024 through June 30, 2025. This full-year measure is different from a fall headcount and does not enter ROI.
More student and earnings detailPrice by family income, retention, equity and common industries
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
71% received a Pell Grant within eight yearsMedian Parent PLUS debt
529 parent borrowers in the reported cohortMedian federal student debt
69% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$70,715Earnings are not a guarantee
Middle income$83,117Earnings are not a guarantee
Higher income$91,896Earnings are not a guarantee
Three-year repayment progress
Lower income54%
Middle income75%
Higher income87%
Undergraduate student composition
White68%
Black7%
Hispanic9%
Asian9%
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 every reportable field-and-credential record at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS OVER TIME
What graduates earned in later years
$62,886Year 1
$84,010Year 4
$87,323Year 5
Each year can represent a different federal cohort, so the points do not track the same people over time.
Your choice of degree can change the payoff.
Graduate earnings differ by field and credential, even within the same college.
1Specialized Sales, Merchandising and Marketing Operations · Master's Degree$226,6382Business/Commerce, General · Master's Degree$141,0033Pharmacy, Pharmaceutical Sciences, and Administration · Master's Degree$138,6964Pharmacy, Pharmaceutical Sciences, and Administration · First Professional Degree$138,3325Management Information Systems and Services · Master's Degree$137,5486Finance and Financial Management Services · Master's Degree$132,0217Allied Health Diagnostic, Intervention, and Treatment Professions · Master's Degree$130,6858Rhetoric and Composition/Writing Studies · Master's Degree$129,192Observed year-4 earnings · compare the same field and credential across colleges
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.
1Rhetoric and Composition/Writing StudiesMaster's Degree · $129,192 reported+135%vs same-degree national medianNot availablefederal debt2Clinical/Medical Laboratory Science/Research and Allied ProfessionsUndergraduate Certificate or Diploma · $75,123 reported+94%vs same-degree national medianNot availablefederal debt3Specialized Sales, Merchandising and Marketing OperationsMaster's Degree · $226,638 reported+88%vs same-degree national medianNot availablefederal debt4Allied Health Diagnostic, Intervention, and Treatment ProfessionsUndergraduate Certificate or Diploma · $87,103 reported+51%vs same-degree national medianNot availablefederal debt5Clinical, Counseling and Applied PsychologyBachelor's Degree · $75,549 reported+50%vs same-degree national medianNot availablefederal debt6Biology, GeneralBachelor's Degree · $82,769 reported+45%vs same-degree national median$26,228federal debt
Comparable colleges in PA
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.
Easton, PA
Lafayette College
- Annual net price
- $34,433
- Observed earnings · year 5
- $86,844
- Modeled 10-year ROI
- +32%
Gwynedd Mercy University
- Annual net price
- $27,483
- Observed earnings · year 5
- $80,331
- Modeled 10-year ROI
- +22%
Drexel University
- Annual net price
- $38,509
- Observed earnings · year 5
- $89,242
- Modeled 10-year ROI
- +32%
Widener University
- Annual net price
- $25,759
- Observed earnings · year 5
- $79,120
- Modeled 10-year ROI
- +21%
Compare fields and degree levels
Showing the 40 highest-earning records from 51 field-and-degree records. Use the program directory to search the complete set.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Specialized Sales, Merchandising and Marketing Operations | Master's Degree | $226,638 | Not available | 0 |
| Business/Commerce, General | Master's Degree | $141,003 | Not available | Not reported |
| Pharmacy, Pharmaceutical Sciences, and Administration | Master's Degree | $138,696 | Not available | Not reported |
| Pharmacy, Pharmaceutical Sciences, and Administration | First Professional Degree | $138,332 | Not available | Not reported |
| Management Information Systems and Services | Master's Degree | $137,548 | Not available | Not reported |
| Finance and Financial Management Services | Master's Degree | $132,021 | Not available | 0 |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Master's Degree | $130,685 | Not available | Not reported |
| Rhetoric and Composition/Writing Studies | Master's Degree | $129,192 | Not available | Not reported |
| Management Sciences and Quantitative Methods | Master's Degree | $122,660 | Not available | 0 |
| Pharmacy, Pharmaceutical Sciences, and Administration | Bachelor's Degree | $122,633 | Not available | 0 |
| Computer Science | Bachelor's Degree | $110,178 | $27,000 | Not reported |
| Marketing | Master's Degree | $109,948 | Not available | 0 |
| Educational Administration and Supervision | Doctoral Degree | $104,715 | Not available | 21 |
| Insurance | Bachelor's Degree | $101,930 | $23,016 | 0 |
| Finance and Financial Management Services | Bachelor's Degree | $96,993 | $25,000 | 30 |
| Management Sciences and Quantitative Methods | Bachelor's Degree | $96,930 | $26,237 | 44 |
| Accounting and Related Services | Bachelor's Degree | $93,585 | $24,903 | 1 |
| Educational Administration and Supervision | Master's Degree | $92,776 | Not available | 14 |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Associate's Degree | $88,101 | Not available | Not reported |
| Psychology, General | Master's Degree | $88,006 | Not available | Not reported |
| Economics | Bachelor's Degree | $87,943 | Not available | Not reported |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Undergraduate Certificate or Diploma | $87,103 | Not available | 0 |
| Health and Medical Administrative Services | Master's Degree | $86,525 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $86,383 | Not available | Not reported |
| Health Professions and Related Clinical Sciences, Other | Bachelor's Degree | $85,690 | $26,576 | Not reported |
| Health Services/Allied Health/Health Sciences, General | Bachelor's Degree | $84,658 | Not available | Not reported |
| Human Resources Management and Services | Bachelor's Degree | $83,692 | $23,970 | 12 |
| Biology, General | Bachelor's Degree | $82,769 | $26,228 | Not reported |
| International Business | Bachelor's Degree | $81,519 | $27,000 | 0 |
| Rehabilitation and Therapeutic Professions | First Professional Degree | $81,327 | Not available | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $81,233 | $22,375 | 66 |
| Specialized Sales, Merchandising and Marketing Operations | Bachelor's Degree | $80,764 | $26,500 | 5 |
| Educational/Instructional Media Design | Master's Degree | $79,721 | Not available | Not reported |
| Entrepreneurial and Small Business Operations | Bachelor's Degree | $78,554 | Not available | Not reported |
| Marketing | Bachelor's Degree | $78,522 | $26,149 | 20 |
| Clinical, Counseling and Applied Psychology | Bachelor's Degree | $75,549 | Not available | 4 |
| Clinical/Medical Laboratory Science/Research and Allied Professions | Undergraduate Certificate or Diploma | $75,123 | Not available | 7 |
| Criminology | Graduate/Professional Certificate | $73,972 | Not available | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Bachelor's Degree | $72,048 | $43,575 | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Master's Degree | $71,762 | Not available | Not reported |
Graduate counts come from IPEDS and group related majors into the same federal field. Missing earnings or debt values remain labeled as unavailable.
Search every Saint Joseph's University - Philadelphia program record →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.