Master's · Saint Cloud, Minnesota

Is Clinical, Counseling and Applied Psychology 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 6.1 years.

Earnings 1 year after graduating
$64,147
Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating
$81,239
Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation
$35,258
NSLDS pooled AY2022-23, AY2023-24 cohort
Typical borrowing (no graduate net price is published)
$37k (likely $37k – $37k)
AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4
$15k a year vs bachelor's graduates 4 years out in MN
2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback
6.1 years (likely 4.0–10.1)
Bump vs net cost plus loan interest
10-year net return
−$63k (likely −$154k – $34k)
Today's dollars
20-year net return
$161k (likely −$43k – $388k)
Today's dollars

Change income, residency or loans Compare Clinical, Counseling and Applied Psychology at other schools

Scorecard reports no net price for graduate programs; cost is based on what graduates typically borrowed.