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Private nonprofit · COLLEGE PAYOFF

Saint Martin's University

⌖ Lacey, WA · 13 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$90,576 over 10 years

Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.

At these assumptions, the estimated earnings premium does not recover the modeled economic investment within ten years.

14.5 yrsModeled economic break-even

−31%Modeled 10-year ROI

$65,190Observed earnings · year 5

Economic ROI includes direct price and earnings forgone during study · $45,000 comparison earnings · values held flat · see the formula

ECONOMIC INVESTMENT → PAYBACK

Estimated payoff over ten years.

The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.

10-YEAR PAYOFF CURVECumulative economic payoff after graduation

−$90,576at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$292,4760

−$90,57610

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 in-state tuition$45,510

Sticker price

Published out-of-state tuition$45,510

Sticker price

Average net price$28,119

Title IV student average

Cost of attendance$62,449

Tuition + living budget

OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$28,119Average net price / year

$62,449Cost of attendance

$65,190Median earnings · year 5 after completion

51.9%Completion rate

89.8%Admission rate

1,158Student size

NATIONAL CONTEXT

How this college compares

Percentiles compare this institution with currently operating colleges that report the same federal measure.

86thEarnings percentile

40thCompletion percentile

EARNINGS PATH

Reported earnings over time

$45,949Year 1

$71,704Year 4

$65,190Year 5

Separate federal cohorts may underlie different measurement years.

PROGRAM PAYOFF SPREAD

The college average is not the whole story.

Observed earnings vary substantially by field and credential at the same institution.

1Computer Science · Undergraduate Certificate or Diploma$119,807 2Mechanical Engineering · Bachelor's Degree$92,321 3Business Administration, Management and Operations · Master's Degree$85,456 4Civil Engineering · Bachelor's Degree$85,276 5Computer Science · Bachelor's Degree$80,166 6Business Administration, Management and Operations · Bachelor's Degree$67,805 7Clinical, Counseling and Applied Psychology · Master's Degree$62,064 8Accounting and Related Services · Bachelor's Degree$61,432

Observed year-4 earnings · compare like fields and credentials before deciding

BUILD A REAL SHORTLIST

Comparable colleges in WA

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.

Seattle, WA

Seattle Pacific University

Annual net price: $24,488
Observed earnings · year 5: $67,175
Modeled 10-year ROI: -20%

Open college profile →Kirkland, WA

Northwest University

Annual net price: $22,288
Observed earnings · year 5: $64,391
Modeled 10-year ROI: -28%

Open college profile →Spokane, WA

Whitworth University

Annual net price: $26,534
Observed earnings · year 5: $59,421
Modeled 10-year ROI: -50%

Open college profile →Kirkland, WA

Northwest University-Center for Online and Extended Education

Annual net price: $35,671
Observed earnings · year 5: $64,391
Modeled 10-year ROI: -40%

Open college profile →

ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal field	Credential	Earnings, year 4	Federal debt
Computer Science	Undergraduate Certificate or Diploma	$119,807	$14,667
Mechanical Engineering	Bachelor's Degree	$92,321	$27,000
Business Administration, Management and Operations	Master's Degree	$85,456	Not available
Civil Engineering	Bachelor's Degree	$85,276	$23,616
Computer Science	Bachelor's Degree	$80,166	Not available
Business Administration, Management and Operations	Bachelor's Degree	$67,805	$25,000
Clinical, Counseling and Applied Psychology	Master's Degree	$62,064	Not available
Accounting and Related Services	Bachelor's Degree	$61,432	Not available
Social Work	Bachelor's Degree	$59,559	Not available
Teacher Education and Professional Development, Specific Levels and Methods	Bachelor's Degree	$59,433	Not available
Criminal Justice and Corrections	Bachelor's Degree	$55,951	Not available
Psychology, General	Bachelor's Degree	$51,097	$24,125
Biology, General	Bachelor's Degree	Not available	$22,500

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.