Master's · Houston, Texas

Is Education, General at University of St Thomas worth it?

High confidence High confidence: 100+ 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: $71,077; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $74,367; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $35,485; NSLDS pooled AY2022-23, AY2023-24 cohort
Typical borrowing (no graduate net price is published): $38k (likely $38k – $38k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $11k a year vs bachelor's graduates 4 years out in TX; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 6.1 years (likely 4.6–8.6); Bump vs net cost plus loan interest
10-year net return: −$89k (likely −$132k – −$48k); Today's dollars
20-year net return: $23k (likely −$58k – $104k); Today's dollars
Borrowers making progress / in default, 2 years in: not reported / ≤ 5%; NSLDS AY2016-17, AY2017-18 pooled cohorts measured in 2018-19, 2019-20

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