10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$135,206at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private nonprofit · COLLEGE PAYOFF
St Olaf College
Northfield, MN · 26 field-and-degree records
Earnings reported for 21 · Federal debt reported for 25
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$135,206 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
19.6 yrsTime to earn back the modeled cost
−49%Estimated return after 10 years
$59,029Observed earnings · year 5
Not reachedHighest annual price before payoff reaches $0
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: $13,630 housing and food allowance plus $900 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−$39,710
$8,000Annual price−$71,710
$16,000Annual price−$103,710
$24,000Current college-wide context−$135,710
$32,000Annual price−$167,710
$40,000Annual price−$199,710
HOW STUDENTS ATTEND · 2023-24
Most students study without distance-education courses.
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
- Higher Learning Commission
- Main award level
- Bachelor’s degrees
- Campus setting
- Town
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
7 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 Minnesota run 1% 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
$23,874Average net price / year
$71,843Cost of attendance
$26,000Median federal student debt · completer borrowers
$276/moPublished 10-year payment estimate
$59,029Median earnings · year 5 after completion
84.0%Completion rate
48.3%Admission rate
1,380Average SAT score
31ACT midpoint
3,093Student 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 St Olaf College
What does St Olaf College cost?
St Olaf College reports an average annual net price of $23,874 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do St Olaf College graduates earn?
The observed median earnings figure is $59,029 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do St Olaf College graduates have?
Completer borrowers report median cumulative federal student debt of $26,000. Parent PLUS and private loans are not included.
Is every degree at St Olaf College worth the same?
No. The current release contains 26 field-and-degree records for St Olaf College; 21 report year-4 earnings and 25 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
3,216Students enrolled at any point
3,216Undergraduate students
Not availableGraduate 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
85% received a Pell Grant within eight yearsMedian Parent PLUS debt
156 parent borrowers in the reported cohortMedian federal student debt
84% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$60,432Earnings are not a guarantee
Middle income$61,661Earnings are not a guarantee
Higher income$69,022Earnings are not a guarantee
Three-year repayment progress
Lower income83%
Middle income87%
Higher income91%
Undergraduate student composition
White67%
Black3%
Hispanic10%
Asian5%
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.
INDEPENDENT CENSUS EARNINGS VIEW
How earnings develop by field
Privacy-protected Census employment records follow graduate cohorts one, five and ten years after completion. This source is kept separate from College Scorecard because its population and methodology differ.
Field and credentialYear 1Year 5Year 10
Astronomy and Astrophysics.Bachelor’s degree · Broad federal field 40
$39,517Year 1
$74,110Year 5
$111,966Year 10
Applied Mathematics.Bachelor’s degree · Broad federal field 27
$60,144Year 1
$86,929Year 5
$110,564Year 10
Anthropology.Bachelor’s degree · Broad federal field 45
$55,100Year 1
$80,947Year 5
$103,633Year 10
Advanced/Graduate Dentistry and Oral Sciences.Bachelor’s degree · Broad federal field 51
$82,479Year 1
$70,625Year 5
$99,192Year 10
Biochemistry, Biophysics and Molecular Biology.Bachelor’s degree · Broad federal field 26
$40,080Year 1
$65,458Year 5
$94,812Year 10
Clinical Psychology.Bachelor’s degree · Broad federal field 42
$40,189Year 1
$52,055Year 5
$84,962Year 10
Philosophy and Religious Studies, General.Bachelor’s degree · Broad federal field 38
$43,047Year 1
$55,592Year 5
$84,400Year 10
Liberal Arts and Sciences, General Studies and Humanities.Bachelor’s degree · Broad federal field 24
Not availableYear 1
$60,442Year 5
$80,729Year 10
Median annual earnings in 2023 dollars. Each time point may use a different pooled graduation cohort. Coverage is limited to institutions participating in the Census Post-Secondary Employment Outcomes program.
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
$37,341Year 1
$56,323Year 4
$59,029Year 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.
1Computer Science · Bachelor's Degree$122,9122Mathematics · Bachelor's Degree$87,6913Economics · Bachelor's Degree$84,5594Sports, Kinesiology, and Physical Education/Fitness · Bachelor's Degree$66,3145Biology, General · Bachelor's Degree$62,8186Sociology and Anthropology · Bachelor's Degree$60,2257Political Science and Government · Bachelor's Degree$57,8698Research and Experimental Psychology · Bachelor's Degree$56,282Observed 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.
1Sociology and AnthropologyBachelor's Degree · $60,225 reported+28%vs same-degree national median$24,644federal debt2MathematicsBachelor's Degree · $87,691 reported+26%vs same-degree national median$23,000federal debt3Sports, Kinesiology, and Physical Education/FitnessBachelor's Degree · $66,314 reported+22%vs same-degree national median$25,000federal debt4Computer ScienceBachelor's Degree · $122,912 reported+15%vs same-degree national median$23,875federal debt5Drama/Theatre Arts and StagecraftBachelor's Degree · $45,023 reported+13%vs same-degree national median$21,000federal debt6Biology, GeneralBachelor's Degree · $62,818 reported+10%vs same-degree national median$24,500federal debt
Comparable colleges in MN
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.
Minneapolis, MN
Augsburg University
- Annual net price
- $23,873
- Observed earnings · year 5
- $60,664
- Modeled 10-year ROI
- -43%
College of Saint Benedict
- Annual net price
- $26,640
- Observed earnings · year 5
- $60,000
- Modeled 10-year ROI
- -48%
Gustavus Adolphus College
- Annual net price
- $22,900
- Observed earnings · year 5
- $61,911
- Modeled 10-year ROI
- -38%
Concordia College at Moorhead
- Annual net price
- $24,902
- Observed earnings · year 5
- $55,336
- Modeled 10-year ROI
- -63%
Compare fields and degree levels
Showing all 26 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Computer Science | Bachelor's Degree | $122,912 | $23,875 | Not reported |
| Mathematics | Bachelor's Degree | $87,691 | $23,000 | Not reported |
| Economics | Bachelor's Degree | $84,559 | $27,000 | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $66,314 | $25,000 | Not reported |
| Biology, General | Bachelor's Degree | $62,818 | $24,500 | Not reported |
| Sociology and Anthropology | Bachelor's Degree | $60,225 | $24,644 | Not reported |
| Political Science and Government | Bachelor's Degree | $57,869 | $24,250 | Not reported |
| Research and Experimental Psychology | Bachelor's Degree | $56,282 | $25,000 | Not reported |
| Ethnic, Cultural Minority, Gender, and Group Studies | Bachelor's Degree | $54,100 | $23,480 | Not reported |
| Psychology, General | Bachelor's Degree | $53,666 | Not available | Not reported |
| Romance Languages, Literatures, and Linguistics | Bachelor's Degree | $53,232 | $24,830 | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | $51,909 | $27,000 | Not reported |
| Social Work | Bachelor's Degree | $50,611 | $27,000 | Not reported |
| English Language and Literature, General | Bachelor's Degree | $49,382 | $25,715 | Not reported |
| Natural Resources Conservation and Research | Bachelor's Degree | $48,137 | $24,455 | Not reported |
| Area Studies | Bachelor's Degree | $47,677 | $21,000 | Not reported |
| Drama/Theatre Arts and Stagecraft | Bachelor's Degree | $45,023 | $21,000 | Not reported |
| Fine and Studio Arts | Bachelor's Degree | $44,287 | $25,000 | Not reported |
| History | Bachelor's Degree | $42,538 | $25,812 | Not reported |
| Music | Bachelor's Degree | $42,439 | $23,750 | Not reported |
| Religion/Religious Studies | Bachelor's Degree | $37,335 | $25,000 | Not reported |
| East Asian Languages, Literatures, and Linguistics | Bachelor's Degree | Not available | $22,602 | Not reported |
| Philosophy | Bachelor's Degree | Not available | $23,000 | Not reported |
| Chemistry | Bachelor's Degree | Not available | $24,988 | Not reported |
| Physics | Bachelor's Degree | Not available | $23,762 | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | Not available | $27,000 | 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.
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.