10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$143,460at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
St. Mary's University
⌖ San Antonio, TX · 17 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$143,460 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.
21.8 yrsModeled economic break-even
−54%Modeled 10-year ROI
$57,112Observed 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, completion and earnings context
$21,145Average net price / year
$47,999Cost of attendance
$57,112Median earnings · year 5 after completion
58.9%Completion rate
97.8%Admission rate
1,951Student size
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
EARNINGS PATH
Reported earnings over time
$39,558Year 1
$58,545Year 4
$57,112Year 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.
1Business Administration, Management and Operations · Master's Degree$96,0342Clinical, Counseling and Applied Psychology · Master's Degree$92,5923Law · First Professional Degree$87,3754Finance and Financial Management Services · Bachelor's Degree$82,7535Accounting and Related Services · Bachelor's Degree$81,1006Computer Engineering · Bachelor's Degree$78,4067Mental and Social Health Services and Allied Professions · Master's Degree$72,7758Marketing · Bachelor's Degree$66,151Observed 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.
Sherman, TX
Austin College
- Annual net price
- $21,107
- Observed earnings · year 5
- $56,983
- Modeled 10-year ROI
- -55%
Wayland Baptist University
- Annual net price
- $20,590
- Observed earnings · year 5
- $56,493
- Modeled 10-year ROI
- -56%
Schreiner University
- Annual net price
- $21,507
- Observed earnings · year 5
- $56,143
- Modeled 10-year ROI
- -58%
Criswell College
- Annual net price
- $21,630
- Observed earnings · year 5
- $59,854
- Modeled 10-year ROI
- -44%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Business Administration, Management and Operations | Master's Degree | $96,034 | Not available |
| Clinical, Counseling and Applied Psychology | Master's Degree | $92,592 | Not available |
| Law | First Professional Degree | $87,375 | Not available |
| Finance and Financial Management Services | Bachelor's Degree | $82,753 | $25,257 |
| Accounting and Related Services | Bachelor's Degree | $81,100 | Not available |
| Computer Engineering | Bachelor's Degree | $78,406 | Not available |
| Mental and Social Health Services and Allied Professions | Master's Degree | $72,775 | Not available |
| Marketing | Bachelor's Degree | $66,151 | $24,267 |
| Law | Master's Degree | $54,265 | Not available |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $52,553 | $23,250 |
| English Language and Literature, General | Bachelor's Degree | $51,014 | $26,000 |
| Criminology | Bachelor's Degree | $48,731 | $25,125 |
| Biology, General | Bachelor's Degree | $46,873 | $27,000 |
| Criminal Justice and Corrections | Bachelor's Degree | $46,782 | $27,000 |
| Political Science and Government | Bachelor's Degree | $46,620 | $19,500 |
| Psychology, General | Bachelor's Degree | $41,580 | $26,000 |
| Business Administration, Management and Operations | Bachelor's Degree | Not available | $27,000 |
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.