10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$142,590at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
St Cloud Technical and Community College
⌖ Saint Cloud, MN · 21 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$142,590 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.
28.8 yrsModeled economic break-even
−65%Modeled 10-year ROI
$52,595Observed 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
$9,635Average net price / year
$14,325Cost of attendance
$52,595Median earnings · year 5 after completion
44.9%Completion rate
Not availableAdmission rate
3,113Student 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
$45,196Year 1
$58,691Year 4
$52,595Year 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.
1Electromechanical Technologies/Technicians · Associate's Degree$80,2232Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Associate's Degree$77,9523Electrical and Power Transmission Installers · Undergraduate Certificate or Diploma$72,0454Vehicle Maintenance and Repair Technologies/Technicians · Associate's Degree$70,1855Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician (HAC, HACR, HVAC, HVACR) · Undergraduate Certificate or Diploma$67,3076Environmental Control Technologies/Technicians · Associate's Degree$66,2347Allied Health Diagnostic, Intervention, and Treatment Professions · Associate's Degree$63,4008Computer/Information Technology Administration and Management · Associate's Degree$62,055Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in MN
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive—not a quality ranking.
White Bear Lake, MN
Century College
- Annual net price
- $10,906
- Observed earnings · year 5
- $52,580
- Modeled 10-year ROI
- -66%
Northwest Technical College
- Annual net price
- $10,996
- Observed earnings · year 5
- $53,771
- Modeled 10-year ROI
- -61%
Inver Hills Community College
- Annual net price
- $11,636
- Observed earnings · year 5
- $53,912
- Modeled 10-year ROI
- -61%
South Central College
- Annual net price
- $9,082
- Observed earnings · year 5
- $49,648
- Modeled 10-year ROI
- -79%
Explore exact field-and-credential outcomes
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.