Bachelor's · Saint Cloud, Minnesota

Is Business/Commerce, General at Saint Cloud State University worth it?

Medium confidence Medium confidence: 40–99 graduates behind the earnings figures.

The verdict · all families, in-state, half paid with loans

Pays back in time: graduates typically recover the cost in about 5.5 years.

Earnings 1 year after graduating: $57,100; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: Not enough graduates to report; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $15,000; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $68k (likely $68k – $95k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $18k a year vs high-school graduates aged 25–34 in MN; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 5.5 years (likely 3.6–9.5); Bump vs net cost plus loan interest
10-year net return: −$91k (likely −$189k – $5k); Today's dollars
20-year net return: $103k (likely −$80k – $297k); Today's dollars
Odds of finishing (school-wide): 44%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26