10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$157,610at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Hardin-Simmons University
⌖ Abilene, TX · 12 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$157,610 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
With these assumptions, the added earnings do not recover the cost within ten years.
25.7 yrsModeled economic break-even
−61%Modeled 10-year ROI
$55,061Observed earnings · year 5
Not reachedMaximum annual price for positive 10-year payoff
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.
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college—not the outcomes of a specific program.
- Accreditor
- Southern Association of Colleges and Schools Commission on Colleges
- Main award level
- Bachelor’s degrees
- Campus setting
- City
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$19,555Average net price / year
$45,904Cost of attendance
$24,711Median federal student debt · completer borrowers
$262/moPublished 10-year payment estimate
$55,061Median earnings · year 5 after completion
46.0%Completion rate
90.0%Admission rate
1,283Student size
Institution debt covers federal student-loan borrowers who completed. Parent PLUS and private loans are excluded; missing and privacy-suppressed values remain unavailable.
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 only reportable field-and-credential records at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS PATH
Reported earnings over time
$40,226Year 1
$53,769Year 4
$55,061Year 5
Separate federal cohorts may underlie different measurement years.
The college average is not the whole story.
Observed earnings vary substantially by field and credential at the same institution.
1Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$90,2762Rehabilitation and Therapeutic Professions · Doctoral Degree$83,8203Finance and Financial Management Services · Bachelor's Degree$72,4254Theological and Ministerial Studies · Master's Degree$65,1475Sports, Kinesiology, and Physical Education/Fitness · Master's Degree$63,6326Student Counseling and Personnel Services · Master's Degree$57,1677Biology, General · Bachelor's Degree$52,0058Teacher Education and Professional Development, Specific Subject Areas · Bachelor's Degree$51,722Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in TX
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.
Stafford, TX
North American University
- Annual net price
- $18,721
- Observed earnings · year 5
- $55,417
- Modeled 10-year ROI
- -59%
Wayland Baptist University
- Annual net price
- $20,590
- Observed earnings · year 5
- $56,493
- Modeled 10-year ROI
- -56%
McMurry University
- Annual net price
- $19,581
- Observed earnings · year 5
- $52,587
- Modeled 10-year ROI
- -71%
Schreiner University
- Annual net price
- $21,507
- Observed earnings · year 5
- $56,143
- Modeled 10-year ROI
- -58%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $90,276 | Not available | Not reported |
| Rehabilitation and Therapeutic Professions | Doctoral Degree | $83,820 | Not available | 38 |
| Finance and Financial Management Services | Bachelor's Degree | $72,425 | Not available | Not reported |
| Theological and Ministerial Studies | Master's Degree | $65,147 | Not available | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Master's Degree | $63,632 | Not available | Not reported |
| Student Counseling and Personnel Services | Master's Degree | $57,167 | Not available | Not reported |
| Biology, General | Bachelor's Degree | $52,005 | $26,500 | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | $51,722 | $27,709 | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $50,560 | $26,850 | Not reported |
| Criminal Justice and Corrections | Bachelor's Degree | $49,389 | $28,000 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $48,112 | $24,290 | Not reported |
| Psychology, General | Bachelor's Degree | $47,423 | $26,695 | Not reported |
Awards use first-major IPEDS completions aggregated to the same four-digit field and credential.
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.