10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$61,092at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private nonprofit · COLLEGE PAYOFF
Waldorf University
Forest City, IA · 15 field-and-degree records
Earnings reported for 13 · Federal debt reported for 12
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$61,092 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
13.1 yrsTime to earn back the modeled cost
−24%Estimated return after 10 years
$64,768Observed earnings · year 5
$4,420Highest annual price before payoff reaches $0
The price benchmark would need to fall by $15,273 per year to reach it.
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: $9,548 housing and food allowance plus $8,132 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+$17,680
$8,000Annual price−$14,320
$16,000Annual price−$46,320
$20,000Current college-wide context−$62,320
$24,000Annual price−$78,320
$32,000Annual price−$110,320
$40,000Annual price−$142,320
HOW STUDENTS ATTEND · 2023-24
Most students take at least some classes online.
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
- Rural
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
60 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 Iowa run 12% 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
$19,693Average net price / year
$39,675Cost of attendance
$18,752Median federal student debt · completer borrowers
$199/moPublished 10-year payment estimate
$64,768Median earnings · year 5 after completion
21.1%Completion rate
77.0%Admission rate
1,827Student 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 Waldorf University
What does Waldorf University cost?
Waldorf University reports an average annual net price of $19,693 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Waldorf University graduates earn?
The observed median earnings figure is $64,768 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Waldorf University graduates have?
Completer borrowers report median cumulative federal student debt of $18,752. Parent PLUS and private loans are not included.
Is every degree at Waldorf University worth the same?
No. The current release contains 15 field-and-degree records for Waldorf University; 13 report year-4 earnings and 12 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
3,531Students enrolled at any point
2,892Undergraduate students
639Graduate 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
30% received a Pell Grant within eight yearsMedian Parent PLUS debt
131 parent borrowers in the reported cohortMedian federal student debt
54% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$40,675Earnings are not a guarantee
Middle income$53,129Earnings are not a guarantee
Higher income$64,640Earnings are not a guarantee
Three-year repayment progress
Lower income37%
Middle income57%
Higher income72%
Undergraduate student composition
White57%
Black16%
Hispanic4%
Asian2%
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.
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
$57,654Year 1
$67,834Year 4
$64,768Year 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.
1Fire Protection · Bachelor's Degree$100,0602Human Resources Management and Services · Bachelor's Degree$94,8223Fire Protection · Associate's Degree$90,6024Quality Control and Safety Technologies/Technicians · Bachelor's Degree$83,1515Homeland Security · Bachelor's Degree$76,5206Business Administration, Management and Operations · Master's Degree$76,1737Quality Control and Safety Technologies/Technicians · Associate's Degree$71,5928Business/Commerce, General · Bachelor's Degree$63,357Observed 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.
1Human Resources Management and ServicesBachelor's Degree · $94,822 reported+39%vs same-degree national median$32,111federal debt2Fire ProtectionAssociate's Degree · $90,602 reported+23%vs same-degree national median$12,609federal debt3Fire ProtectionBachelor's Degree · $100,060 reported+16%vs same-degree national median$21,783federal debt4Business Administration, Management and OperationsAssociate's Degree · $53,549 reported+10%vs same-degree national median$22,100federal debt5Homeland SecurityBachelor's Degree · $76,520 reported+9%vs same-degree national median$23,437federal debt6Teacher Education and Professional Development, Specific Levels and MethodsBachelor's Degree · $49,228 reported+4%vs same-degree national medianNot availablefederal debt
Comparable colleges in IA
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.
Cedar Rapids, IA
Mount Mercy University
- Annual net price
- $20,168
- Observed earnings · year 5
- $61,499
- Modeled 10-year ROI
- -37%
St Luke's College
- Annual net price
- $19,820
- Observed earnings · year 5
- $60,944
- Modeled 10-year ROI
- -39%
William Penn University
- Annual net price
- $22,601
- Observed earnings · year 5
- $61,414
- Modeled 10-year ROI
- -39%
Saint Ambrose University
- Annual net price
- $24,691
- Observed earnings · year 5
- $63,455
- Modeled 10-year ROI
- -34%
Compare fields and degree levels
Showing all 15 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Fire Protection | Bachelor's Degree | $100,060 | $21,783 | Not reported |
| Human Resources Management and Services | Bachelor's Degree | $94,822 | $32,111 | Not reported |
| Fire Protection | Associate's Degree | $90,602 | $12,609 | Not reported |
| Quality Control and Safety Technologies/Technicians | Bachelor's Degree | $83,151 | $23,047 | Not reported |
| Homeland Security | Bachelor's Degree | $76,520 | $23,437 | Not reported |
| Business Administration, Management and Operations | Master's Degree | $76,173 | Not available | Not reported |
| Quality Control and Safety Technologies/Technicians | Associate's Degree | $71,592 | $24,898 | Not reported |
| Business/Commerce, General | Bachelor's Degree | $63,357 | $27,000 | Not reported |
| Criminal Justice and Corrections | Bachelor's Degree | $54,289 | $27,000 | Not reported |
| Business Administration, Management and Operations | Associate's Degree | $53,549 | $22,100 | Not reported |
| Psychology, General | Bachelor's Degree | $50,184 | $29,136 | Not reported |
| Communication and Media Studies | Bachelor's Degree | $49,473 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $49,228 | Not available | Not reported |
| Psychology, General | Associate's Degree | Not available | $25,259 | Not reported |
| Health and Medical Administrative Services | Bachelor's Degree | Not available | $27,086 | 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.