10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$225,260at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Saint Paul College
⌖ Saint Paul, MN · 24 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$225,260 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.
3138.6 yrsModeled economic break-even
−100%Modeled 10-year ROI
$45,072Observed earnings · year 5
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.
Cost, debt, completion and earnings context
$11,495Average net price / year
$18,261Cost of attendance
$10,925Median federal student debt · completer borrowers
$116/moPublished 10-year payment estimate
$45,072Median earnings · year 5 after completion
40.1%Completion rate
Not availableAdmission rate
3,813Student 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
$39,127Year 1
$52,870Year 4
$45,072Year 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.
1Plumbing and Related Water Supply Services · Undergraduate Certificate or Diploma$106,3252Electrical and Power Transmission Installers · Undergraduate Certificate or Diploma$69,7763Allied Health Diagnostic, Intervention, and Treatment Professions · Associate's Degree$63,3044Precision Metal Working · Undergraduate Certificate or Diploma$62,5415Clinical/Medical Laboratory Science/Research and Allied Professions · Undergraduate Certificate or Diploma$61,8796Human Resources Management and Services · Associate's Degree$55,1047Business Administration, Management and Operations · Associate's Degree$54,7428Health and Medical Administrative Services · Associate's Degree$53,765Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in MN
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive—not a quality ranking.
Cass Lake, MN
Leech Lake Tribal College
- Annual net price
- $13,115
- Observed earnings · year 5
- $44,958
- Modeled 10-year ROI
- -100%
Ridgewater College
- Annual net price
- $10,046
- Observed earnings · year 5
- $46,511
- Modeled 10-year ROI
- -93%
Pine Technical & Community College
- Annual net price
- $12,798
- Observed earnings · year 5
- $47,073
- Modeled 10-year ROI
- -91%
Minnesota North College
- Annual net price
- $10,432
- Observed earnings · year 5
- $47,781
- Modeled 10-year ROI
- -87%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Plumbing and Related Water Supply Services | Undergraduate Certificate or Diploma | $106,325 | Not available |
| Electrical and Power Transmission Installers | Undergraduate Certificate or Diploma | $69,776 | $12,000 |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Associate's Degree | $63,304 | $23,000 |
| Precision Metal Working | Undergraduate Certificate or Diploma | $62,541 | $9,928 |
| Clinical/Medical Laboratory Science/Research and Allied Professions | Undergraduate Certificate or Diploma | $61,879 | $11,375 |
| Human Resources Management and Services | Associate's Degree | $55,104 | $30,562 |
| Business Administration, Management and Operations | Associate's Degree | $54,742 | $27,066 |
| Health and Medical Administrative Services | Associate's Degree | $53,765 | Not available |
| Vehicle Maintenance and Repair Technologies/Technicians | Associate's Degree | $53,658 | Not available |
| Computer Systems Networking and Telecommunications | Associate's Degree | $52,173 | $16,065 |
| Accounting and Related Services | Associate's Degree | $50,492 | Not available |
| Vehicle Maintenance and Repair Technologies/Technicians | Undergraduate Certificate or Diploma | $50,356 | $12,000 |
| Health and Medical Administrative Services | Undergraduate Certificate or Diploma | $49,800 | Not available |
| Practical Nursing, Vocational Nursing and Nursing Assistants | Undergraduate Certificate or Diploma | $49,225 | $17,500 |
| Culinary Arts and Related Services | Undergraduate Certificate or Diploma | $47,176 | $17,500 |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $47,049 | $15,827 |
| Woodworking | Undergraduate Certificate or Diploma | $45,996 | Not available |
| Culinary Arts and Related Services | Associate's Degree | $42,842 | Not available |
| Cosmetology and Related Personal Grooming Services | Undergraduate Certificate or Diploma | $38,855 | $14,250 |
| Human Development, Family Studies, and Related Services | Undergraduate Certificate or Diploma | $36,624 | Not available |
| Human Development, Family Studies, and Related Services | Associate's Degree | $36,167 | Not available |
| American Sign Language | Associate's Degree | $34,519 | Not available |
| Somatic Bodywork and Related Therapeutic Services | Undergraduate Certificate or Diploma | $28,548 | Not available |
| Clinical/Medical Laboratory Science/Research and Allied Professions | Associate's Degree | Not available | $22,375 |
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.