10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$9,622at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Saint Mary's College of California
⌖ Moraga, CA · 19 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$9,622 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.
10.3 yrsModeled economic break-even
−3%Modeled 10-year ROI
$74,189Observed 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
$30,378Average net price / year
$77,659Cost of attendance
$74,189Median earnings · year 5 after completion
70.3%Completion rate
86.5%Admission rate
1,947Student 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
$46,323Year 1
$74,325Year 4
$74,189Year 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.
1Business Administration, Management and Operations · Master's Degree$161,5002Liberal Arts and Sciences, General Studies and Humanities · Master's Degree$108,9183Accounting and Related Services · Bachelor's Degree$107,5704Accounting and Related Services · Master's Degree$107,4375Educational Administration and Supervision · Master's Degree$90,1666Dance · Master's Degree$89,2837Student Counseling and Personnel Services · Master's Degree$81,1668Business/Commerce, General · Bachelor's Degree$80,262Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in CA
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.
Redlands, CA
University of Redlands
- Annual net price
- $30,031
- Observed earnings · year 5
- $69,744
- Modeled 10-year ROI
- -18%
University of the Pacific
- Annual net price
- $25,447
- Observed earnings · year 5
- $76,827
- Modeled 10-year ROI
- +13%
Concordia University-Irvine
- Annual net price
- $28,115
- Observed earnings · year 5
- $68,691
- Modeled 10-year ROI
- -19%
California Lutheran University
- Annual net price
- $30,109
- Observed earnings · year 5
- $66,372
- Modeled 10-year ROI
- -29%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Business Administration, Management and Operations | Master's Degree | $161,500 | Not available |
| Liberal Arts and Sciences, General Studies and Humanities | Master's Degree | $108,918 | Not available |
| Accounting and Related Services | Bachelor's Degree | $107,570 | $25,000 |
| Accounting and Related Services | Master's Degree | $107,437 | Not available |
| Educational Administration and Supervision | Master's Degree | $90,166 | Not available |
| Dance | Master's Degree | $89,283 | Not available |
| Student Counseling and Personnel Services | Master's Degree | $81,166 | Not available |
| Business/Commerce, General | Bachelor's Degree | $80,262 | $24,000 |
| Teacher Education and Professional Development, Specific Levels and Methods | Master's Degree | $73,293 | Not available |
| Psychology, General | Bachelor's Degree | $70,123 | $26,998 |
| Liberal Arts and Sciences, General Studies and Humanities | Bachelor's Degree | $68,501 | $27,000 |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $66,265 | $24,300 |
| Communication and Media Studies | Bachelor's Degree | $64,456 | $23,250 |
| Political Science and Government | Bachelor's Degree | $62,651 | $25,967 |
| English Language and Literature, General | Bachelor's Degree | $57,651 | $24,125 |
| Biology, General | Bachelor's Degree | Not available | $25,297 |
| Psychology, Other | Bachelor's Degree | Not available | $23,250 |
| Drama/Theatre Arts and Stagecraft | Bachelor's Degree | Not available | $27,304 |
| History | Bachelor's Degree | Not available | $24,000 |
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.