10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$85,388at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private nonprofit · COLLEGE PAYOFF
Xavier University
Cincinnati, OH · 39 field-and-degree records
Earnings reported for 37 · Federal debt reported for 21
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$85,388 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
13.8 yrsTime to earn back the modeled cost
−27%Estimated return after 10 years
$67,660Observed earnings · year 5
$11,650Highest annual price before payoff reaches $0
The price benchmark would need to fall by $21,347 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: $13,820 housing and food allowance plus $3,200 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+$46,600
$10,000Annual price+$6,600
$20,000Annual price−$33,400
$30,000Annual price−$73,400
$33,000Current college-wide context−$85,400
$40,000Annual price−$113,400
$50,000Annual price−$153,400
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 Ohio run 7% 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
$32,997Average net price / year
$65,476Cost of attendance
$23,250Median federal student debt · completer borrowers
$246/moPublished 10-year payment estimate
$67,660Median earnings · year 5 after completion
68.7%Completion rate
86.4%Admission rate
1,217Average SAT score
25ACT midpoint
4,207Student 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 Xavier University
What does Xavier University cost?
Xavier University reports an average annual net price of $32,997 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Xavier University graduates earn?
The observed median earnings figure is $67,660 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Xavier University 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 Xavier University worth the same?
No. The current release contains 39 field-and-degree records for Xavier University; 37 report year-4 earnings and 21 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
6,221Students enrolled at any point
4,575Undergraduate students
1,646Graduate 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
623 parent borrowers in the reported cohortMedian federal student debt
62% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$53,053Earnings are not a guarantee
Middle income$65,244Earnings are not a guarantee
Higher income$69,915Earnings are not a guarantee
Three-year repayment progress
Lower income56%
Middle income69%
Higher income83%
Undergraduate student composition
White73%
Black12%
Hispanic7%
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.
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
$92,712Year 1
$127,438Year 5
$160,274Year 10
Clinical Psychology.Doctoral, professional practice · Broad federal field 42
$60,442Year 1
$107,668Year 5
$120,115Year 10
Accounting and Related Services.Bachelor’s degree · Broad federal field 52
$57,936Year 1
$84,020Year 5
$119,446Year 10
Accounting and Computer Science.Bachelor’s degree · Broad federal field 30
$58,176Year 1
$82,803Year 5
$118,711Year 10
Clinical Psychology.Master’s degree · Broad federal field 42
$63,874Year 1
$77,901Year 5
$117,500Year 10
Advanced/Graduate Dentistry and Oral Sciences.Master’s degree · Broad federal field 51
$70,211Year 1
$88,265Year 5
$100,694Year 10
Biochemistry, Biophysics and Molecular Biology.Bachelor’s degree · Broad federal field 26
$40,849Year 1
$61,630Year 5
$94,869Year 10
Anthropology.Bachelor’s degree · Broad federal field 45
$39,242Year 1
$69,515Year 5
$94,869Year 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
$56,371Year 1
$71,477Year 4
$67,660Year 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.
1Marketing · Master's Degree$120,6262Finance and Financial Management Services · Master's Degree$119,6873Business Administration, Management and Operations · Master's Degree$118,2234Health and Medical Administrative Services · Master's Degree$114,3935Computer Science · Bachelor's Degree$104,9086Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Master's Degree$100,1217Human Resources Management and Services · Master's Degree$99,1108Information Science/Studies · Bachelor's Degree$85,164Observed 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.
1MarketingMaster's Degree · $120,626 reported+52%vs same-degree national medianNot availablefederal debt2Liberal Arts and Sciences, General Studies and HumanitiesBachelor's Degree · $69,546 reported+31%vs same-degree national median$23,250federal debt3Health and Medical Administrative ServicesMaster's Degree · $114,393 reported+27%vs same-degree national medianNot availablefederal debt4Radio, Television, and Digital CommunicationBachelor's Degree · $61,035 reported+21%vs same-degree national median$25,642federal debt5Human Resources Management and ServicesMaster's Degree · $99,110 reported+19%vs same-degree national medianNot availablefederal debt6Business Administration, Management and OperationsMaster's Degree · $118,223 reported+14%vs same-degree national medianNot availablefederal debt
Comparable colleges in OH
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.
University Heights, OH
John Carroll University
- Annual net price
- $28,746
- Observed earnings · year 5
- $65,077
- Modeled 10-year ROI
- -32%
Ohio Northern University
- Annual net price
- $24,478
- Observed earnings · year 5
- $67,284
- Modeled 10-year ROI
- -20%
University of Dayton
- Annual net price
- $29,533
- Observed earnings · year 5
- $73,473
- Modeled 10-year ROI
- -4%
Aultman College of Nursing and Health Sciences
- Annual net price
- $24,204
- Observed earnings · year 5
- $65,313
- Modeled 10-year ROI
- -27%
Compare fields and degree levels
Showing all 39 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Marketing | Master's Degree | $120,626 | Not available | Not reported |
| Finance and Financial Management Services | Master's Degree | $119,687 | Not available | Not reported |
| Business Administration, Management and Operations | Master's Degree | $118,223 | Not available | 0 |
| Health and Medical Administrative Services | Master's Degree | $114,393 | Not available | 0 |
| Computer Science | Bachelor's Degree | $104,908 | $27,000 | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Master's Degree | $100,121 | Not available | 0 |
| Human Resources Management and Services | Master's Degree | $99,110 | Not available | Not reported |
| Information Science/Studies | Bachelor's Degree | $85,164 | $27,000 | Not reported |
| Accounting and Related Services | Bachelor's Degree | $81,855 | $27,000 | Not reported |
| Finance and Financial Management Services | Bachelor's Degree | $81,532 | $27,000 | Not reported |
| Business/Managerial Economics | Bachelor's Degree | $80,165 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $79,254 | $27,000 | Not reported |
| Criminal Justice and Corrections | Master's Degree | $74,465 | Not available | Not reported |
| Marketing | Bachelor's Degree | $73,414 | $26,466 | Not reported |
| Human Resources Management and Services | Bachelor's Degree | $71,259 | Not available | Not reported |
| Rehabilitation and Therapeutic Professions | Master's Degree | $71,091 | Not available | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Bachelor's Degree | $69,546 | $23,250 | Not reported |
| Health Professions and Related Clinical Sciences, Other | Bachelor's Degree | $66,017 | $27,000 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $65,263 | $27,000 | 0 |
| Psychology, General | Master's Degree | $64,505 | Not available | Not reported |
| Political Science and Government | Bachelor's Degree | $63,347 | $26,000 | Not reported |
| Economics | Bachelor's Degree | $63,252 | $27,000 | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Master's Degree | $61,121 | Not available | Not reported |
| Radio, Television, and Digital Communication | Bachelor's Degree | $61,035 | $25,642 | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $60,804 | $27,000 | Not reported |
| Public Relations, Advertising, and Applied Communication | Bachelor's Degree | $60,642 | $26,515 | Not reported |
| Criminal Justice and Corrections | Bachelor's Degree | $60,615 | $26,396 | 0 |
| Special Education and Teaching | Master's Degree | $58,429 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Master's Degree | $57,072 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Master's Degree | $55,819 | Not available | Not reported |
| Biology, General | Bachelor's Degree | $55,577 | $27,000 | Not reported |
| Mental and Social Health Services and Allied Professions | Master's Degree | $55,005 | Not available | Not reported |
| Psychology, General | Bachelor's Degree | $54,981 | $27,000 | Not reported |
| Communication and Media Studies | Bachelor's Degree | $53,800 | $26,825 | Not reported |
| Social Work | Bachelor's Degree | $52,014 | Not available | Not reported |
| Student Counseling and Personnel Services | Master's Degree | $49,762 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $40,443 | $27,000 | Not reported |
| English Language and Literature, General | Bachelor's Degree | Not available | $26,798 | Not reported |
| Chemistry | 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.