10-YEAR PAYOFF CURVECumulative economic payoff after graduation
+$26,250at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private nonprofit · COLLEGE PAYOFF
University of St Thomas
Saint Paul, MN · 40 field-and-degree records
Earnings reported for 38 · Federal debt reported for 25
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Positive payoff
+$26,250 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
9.2 yrsTime to earn back the modeled cost
+9%Estimated return after 10 years
$77,287Observed earnings · year 5
$35,718Highest annual price before payoff reaches $0
The price benchmark is $6,563 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: $14,969 housing and food allowance plus $2,596 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+$142,870
$10,000Annual price+$102,870
$20,000Annual price+$62,870
$29,000Current college-wide context+$26,870
$30,000Current college-wide context+$22,870
$40,000Annual price−$17,130
$50,000Annual price−$57,130
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
- City
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
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
$29,155Average net price / year
$66,116Cost of attendance
$23,250Median federal student debt · completer borrowers
$246/moPublished 10-year payment estimate
$77,287Median earnings · year 5 after completion
76.4%Completion rate
85.4%Admission rate
1,296Average SAT score
25ACT midpoint
6,245Student 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 St Thomas
What does University of St Thomas cost?
University of St Thomas reports an average annual net price of $29,155 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do University of St Thomas graduates earn?
The observed median earnings figure is $77,287 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do University of St Thomas graduates have?
Completer borrowers report median cumulative federal student debt of $23,250. Parent PLUS and private loans are not included.
Is every degree at University of St Thomas worth the same?
No. The current release contains 40 field-and-degree records for University of St Thomas; 38 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
10,539Students enrolled at any point
6,610Undergraduate students
3,929Graduate 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
72% received a Pell Grant within eight yearsMedian Parent PLUS debt
300 parent borrowers in the reported cohortMedian federal student debt
72% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$69,948Earnings are not a guarantee
Middle income$73,887Earnings are not a guarantee
Higher income$75,608Earnings are not a guarantee
Three-year repayment progress
Lower income66%
Middle income78%
Higher income84%
Undergraduate student composition
White62%
Black9%
Hispanic11%
Asian6%
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
Architectural Engineering Technologies/Technicians.Master’s degree · Broad federal field 15
$124,613Year 1
$156,159Year 5
$181,818Year 10
Accounting and Related Services.Master’s degree · Broad federal field 52
$124,709Year 1
$148,465Year 5
$167,905Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Master’s degree · Broad federal field 14
$98,975Year 1
$130,062Year 5
$151,150Year 10
Computer Programming.Bachelor’s degree · Broad federal field 11
$80,258Year 1
$114,734Year 5
$146,060Year 10
Computer Programming.Master’s degree · Broad federal field 11
$100,794Year 1
$124,894Year 5
$144,432Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Bachelor’s degree · Broad federal field 14
$74,103Year 1
$95,056Year 5
$127,467Year 10
Criminal Justice and Corrections.Master’s degree · Broad federal field 43
$117,100Year 1
$124,744Year 5
$124,524Year 10
Astronomy and Astrophysics.Bachelor’s degree · Broad federal field 40
$45,300Year 1
$84,962Year 5
$119,554Year 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
$56,242Year 1
$82,136Year 4
$77,287Year 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$149,4562Clinical, Counseling and Applied Psychology · Doctoral Degree$123,2353Computer Software and Media Applications · Master's Degree$119,5714Computer and Information Sciences, General · Master's Degree$118,8885Management Sciences and Quantitative Methods · Bachelor's Degree$108,1876Computer Science · Bachelor's Degree$107,9387Mechanical Engineering · Master's Degree$107,8078Electrical, Electronics, and Communications Engineering · Bachelor's Degree$93,981Observed 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.
1Business Administration, Management and OperationsMaster's Degree · $149,456 reported+44%vs same-degree national medianNot availablefederal debt2Entrepreneurial and Small Business OperationsBachelor's Degree · $79,390 reported+30%vs same-degree national median$21,500federal debt3CriminologyBachelor's Degree · $70,419 reported+27%vs same-degree national median$27,000federal debt4Natural Resources Conservation and ResearchBachelor's Degree · $69,525 reported+26%vs same-degree national median$24,625federal debt5Management Sciences and Quantitative MethodsBachelor's Degree · $108,187 reported+26%vs same-degree national median$18,500federal debt6Biology, GeneralBachelor's Degree · $71,619 reported+25%vs same-degree national median$25,970federal 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.
Duluth, MN
The College of Saint Scholastica
- Annual net price
- $27,846
- Observed earnings · year 5
- $72,324
- Modeled 10-year ROI
- -6%
Saint Johns University
- Annual net price
- $25,672
- Observed earnings · year 5
- $71,478
- Modeled 10-year ROI
- -6%
Carleton College
- Annual net price
- $25,407
- Observed earnings · year 5
- $70,192
- Modeled 10-year ROI
- -11%
Dunwoody College of Technology
- Annual net price
- $26,939
- Observed earnings · year 5
- $68,404
- Modeled 10-year ROI
- -19%
Compare fields and degree levels
Showing all 40 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 | $149,456 | Not available | 1 |
| Clinical, Counseling and Applied Psychology | Doctoral Degree | $123,235 | Not available | 19 |
| Computer Software and Media Applications | Master's Degree | $119,571 | Not available | Not reported |
| Computer and Information Sciences, General | Master's Degree | $118,888 | Not available | 0 |
| Management Sciences and Quantitative Methods | Bachelor's Degree | $108,187 | $18,500 | 18 |
| Computer Science | Bachelor's Degree | $107,938 | $23,704 | Not reported |
| Mechanical Engineering | Master's Degree | $107,807 | Not available | Not reported |
| Electrical, Electronics, and Communications Engineering | Bachelor's Degree | $93,981 | $27,000 | 1 |
| Finance and Financial Management Services | Bachelor's Degree | $93,720 | $26,250 | Not reported |
| Mechanical Engineering | Bachelor's Degree | $91,683 | $27,000 | Not reported |
| Accounting and Related Services | Bachelor's Degree | $91,587 | $25,000 | Not reported |
| Economics | Bachelor's Degree | $89,881 | $24,600 | Not reported |
| Law | First Professional Degree | $89,706 | Not available | Not reported |
| Social Work | Doctoral Degree | $84,830 | Not available | 10 |
| Business Administration, Management and Operations | Bachelor's Degree | $82,396 | $25,000 | 47 |
| Entrepreneurial and Small Business Operations | Bachelor's Degree | $79,390 | $21,500 | Not reported |
| Human Resources Management and Services | Bachelor's Degree | $78,381 | $23,750 | Not reported |
| Marketing | Bachelor's Degree | $77,870 | $27,000 | 3 |
| Biology, General | Bachelor's Degree | $71,619 | $25,970 | Not reported |
| Criminology | Bachelor's Degree | $70,419 | $27,000 | Not reported |
| Natural Resources Conservation and Research | Bachelor's Degree | $69,525 | $24,625 | Not reported |
| Clinical, Counseling and Applied Psychology | Master's Degree | $68,816 | Not available | 0 |
| Communication, Journalism, and Related Programs, Other | Bachelor's Degree | $66,876 | Not available | Not reported |
| Neurobiology and Neurosciences | Bachelor's Degree | $66,868 | $27,000 | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Master's Degree | $66,763 | Not available | Not reported |
| Special Education and Teaching | Master's Degree | $66,391 | Not available | Not reported |
| Social Work | Master's Degree | $65,240 | Not available | Not reported |
| Communication and Media Studies | Bachelor's Degree | $64,917 | $27,000 | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Master's Degree | $62,671 | Not available | Not reported |
| Political Science and Government | Bachelor's Degree | $61,922 | $22,750 | Not reported |
| Psychology, General | Bachelor's Degree | $59,398 | $27,000 | Not reported |
| Public Health | Bachelor's Degree | $59,389 | $27,000 | Not reported |
| Educational Administration and Supervision | Master's Degree | $50,754 | Not available | 8 |
| Music | Bachelor's Degree | $47,724 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $47,712 | $27,000 | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $45,072 | $4,500 | Not reported |
| Philosophy | Bachelor's Degree | $41,209 | $18,201 | Not reported |
| Religion/Religious Studies | Bachelor's Degree | $35,960 | $19,500 | 4 |
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | Not available | $27,000 | 0 |
| Biochemistry, Biophysics and Molecular Biology | Bachelor's Degree | Not available | $24,226 | 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.