10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$251,410at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private nonprofit · COLLEGE PAYOFF
University of Northwestern-St Paul
Saint Paul, MN · 21 field-and-degree records
Earnings reported for 17 · Federal debt reported for 15
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$251,410 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
73.8 yrsTime to earn back the modeled cost
−86%Estimated return after 10 years
$48,941Observed 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: $9,768 housing and food allowance plus $3,160 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−$140,590
$8,000Annual price−$172,590
$16,000Annual price−$204,590
$24,000Annual price−$236,590
$28,000Current college-wide context−$252,590
$32,000Annual price−$268,590
$40,000Annual price−$300,590
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
- Higher Learning Commission
- Main award level
- Bachelor’s degrees
- Campus setting
- Suburban
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
1,872 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
$27,705Average net price / year
$51,325Cost of attendance
$21,325Median federal student debt · completer borrowers
$226/moPublished 10-year payment estimate
$48,941Median earnings · year 5 after completion
68.1%Completion rate
93.5%Admission rate
1,173Average SAT score
1,442Student 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 University of Northwestern-St Paul
What does University of Northwestern-St Paul cost?
University of Northwestern-St Paul reports an average annual net price of $27,705 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do University of Northwestern-St Paul graduates earn?
The observed median earnings figure is $48,941 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do University of Northwestern-St Paul graduates have?
Completer borrowers report median cumulative federal student debt of $21,325. Parent PLUS and private loans are not included.
Is every degree at University of Northwestern-St Paul worth the same?
No. The current release contains 21 field-and-degree records for University of Northwestern-St Paul; 17 report year-4 earnings and 15 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
3,568Students enrolled at any point
3,468Undergraduate students
100Graduate 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
59% received a Pell Grant within eight yearsMedian Parent PLUS debt
292 parent borrowers in the reported cohortMedian federal student debt
65% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$48,484Earnings are not a guarantee
Middle income$49,073Earnings are not a guarantee
Higher income$54,643Earnings are not a guarantee
Three-year repayment progress
Lower income61%
Middle income76%
Higher income85%
Undergraduate student composition
White78%
Black5%
Hispanic7%
Asian4%
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
Accounting and Related Services.Master’s degree · Broad federal field 52
$79,121Year 1
$89,177Year 5
$112,807Year 10
Biochemistry, Biophysics and Molecular Biology.Bachelor’s degree · Broad federal field 26
$34,840Year 1
$62,818Year 5
$99,192Year 10
Accounting and Related Services.Bachelor’s degree · Broad federal field 52
$56,967Year 1
$76,237Year 5
$98,232Year 10
Bible/Biblical Studies.Master’s degree · Broad federal field 39
$62,224Year 1
$71,605Year 5
$79,787Year 10
History.Bachelor’s degree · Broad federal field 54
$30,804Year 1
$51,223Year 5
$74,301Year 10
Clinical Psychology.Bachelor’s degree · Broad federal field 42
$37,132Year 1
$51,537Year 5
$68,363Year 10
Communication and Media Studies.Bachelor’s degree · Broad federal field 09
$42,146Year 1
$58,527Year 5
$67,394Year 10
Liberal Arts and Sciences, General Studies and Humanities.Associate degree · Broad federal field 24
$51,223Year 1
$47,802Year 5
$64,718Year 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
$45,168Year 1
$57,471Year 4
$48,941Year 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.
1Business Administration, Management and Operations · Master's Degree$94,8582Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$78,6613Accounting and Related Services · Bachelor's Degree$77,1284Business Administration, Management and Operations · Bachelor's Degree$68,0865Criminal Justice and Corrections · Bachelor's Degree$64,3396Marketing · Bachelor's Degree$63,6537Theological and Ministerial Studies · Master's Degree$60,0958Bible/Biblical Studies · Bachelor's Degree$51,761Observed 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.
1Bible/Biblical StudiesBachelor's Degree · $51,761 reported+16%vs same-degree national median$24,500federal debt2Criminal Justice and CorrectionsBachelor's Degree · $64,339 reported+16%vs same-degree national medianNot availablefederal debt3MusicBachelor's Degree · $46,177 reported+8%vs same-degree national medianNot availablefederal debt4Theological and Ministerial StudiesBachelor's Degree · $47,802 reported+7%vs same-degree national median$22,000federal debt5Accounting and Related ServicesBachelor's Degree · $77,128 reported+1%vs same-degree national median$25,874federal debt6Radio, Television, and Digital CommunicationBachelor's Degree · $50,708 reported+0%vs same-degree national median$24,013federal 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.
Saint Bonifacius, MN
Crown College
- Annual net price
- $26,672
- Observed earnings · year 5
- $46,129
- Modeled 10-year ROI
- -96%
North Central University
- Annual net price
- $25,817
- Observed earnings · year 5
- $44,855
- Modeled 10-year ROI
- -101%
Minneapolis College of Art and Design
- Annual net price
- $29,926
- Observed earnings · year 5
- $44,913
- Modeled 10-year ROI
- -100%
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 21 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Business Administration, Management and Operations | Master's Degree | $94,858 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $78,661 | $31,000 | Not reported |
| Accounting and Related Services | Bachelor's Degree | $77,128 | $25,874 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $68,086 | $21,895 | 0 |
| Criminal Justice and Corrections | Bachelor's Degree | $64,339 | Not available | Not reported |
| Marketing | Bachelor's Degree | $63,653 | $19,056 | Not reported |
| Theological and Ministerial Studies | Master's Degree | $60,095 | Not available | Not reported |
| Bible/Biblical Studies | Bachelor's Degree | $51,761 | $24,500 | Not reported |
| Radio, Television, and Digital Communication | Bachelor's Degree | $50,708 | $24,013 | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | $48,082 | $27,000 | Not reported |
| Theological and Ministerial Studies | Bachelor's Degree | $47,802 | $22,000 | 0 |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $46,885 | $23,562 | Not reported |
| Psychology, General | Bachelor's Degree | $46,555 | $24,749 | Not reported |
| Music | Bachelor's Degree | $46,177 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $45,195 | $25,250 | Not reported |
| Design and Applied Arts | Bachelor's Degree | $44,628 | Not available | Not reported |
| English Language and Literature, General | Bachelor's Degree | $38,522 | Not available | Not reported |
| Communication and Media Studies | Bachelor's Degree | Not available | $20,304 | Not reported |
| Biology, General | Bachelor's Degree | Not available | $23,875 | Not reported |
| Multi/Interdisciplinary Studies, Other | Bachelor's Degree | Not available | $18,000 | Not reported |
| Health/Medical Preparatory Programs | Bachelor's Degree | Not available | $21,500 | 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.