Bachelor's · Winona, Minnesota

Is Finance and Financial Management Services at Winona State University worth it?

Low confidence Low confidence: fewer than 40 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 3.5 years.

Earnings 1 year after graduating: $61,126; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $81,426; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $20,097; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $74k (likely $74k – $98k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $40k a year vs high-school graduates aged 25–34 in MN; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 3.5 years (likely 2.7–4.9); Bump vs net cost plus loan interest
10-year net return: $106k (likely −$13k – $237k); Today's dollars
20-year net return: $596k (likely $338k – $867k); Today's dollars
Odds of finishing (school-wide): 59%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26