Montreat College — ROI, Cost & Payback
Montreat College charges a net price of $27,061/yr after aid — a 4-year total of $108,244. Median earnings ten years after entry are $45,151, below the $48,360 high-school baseline, so on this institution-wide metric the degree does not clear its cost. Program choice is what changes that. (Scorecard, 2026 · our math.)
On institution-wide earnings, Montreat College does not clear its cost — it ranks #43 of 115 North Carolina colleges we track by ROI. The specific program you pick moves this more than the school average.
| Measure | Value | Source |
|---|---|---|
| Net price (after aid) | $27,061/yr | Scorecard, 2026 |
| Total net cost (4 yrs) | $108,244 | our math |
| Median earnings, 10 yrs after entry | $45,151 | Scorecard, 2026 |
| Earnings premium over HS baseline | -$3,209/yr | our math |
| Median debt (completers) | $25,813 | Scorecard, 2026 |
| Payback | does not clear | our math |
| 20-year net return | -$172,424 | our math |
College Scorecard (2026 release), institution-level · payback and returns are our math.
The arithmetic, on Montreat College's own numbers. Net price $27,061 × 4 years = $108,244 total. Median earnings $45,151 fall $3,209 short of the $48,360 high-school baseline, so the premium this formula divides by is not positive and no break-even year exists on institution-wide pay. A programme here earning $58,360 would clear the $108,244 bill in about 10.8 years — the gap, not the price, is what blocks payback. Full method.
How much debt do Montreat College students graduate with?
A median $25,813 in federal loans among completers, or 57% of the $45,151 its graduates earn ten years out — our math. The figure excludes private loans and students who left before finishing.
What share of Montreat College students graduate?
50% finish their degree — 50% leave carrying the cost without the credential. Spread the $108,244 bill across that completion rate and the cohort pays $216,488 per graduate produced — our math, and the figure a payback number never shows.
Is Montreat College expensive compared with other North Carolina colleges?
Its $27,061 net price runs $16,215 above the $10,846 median across the 115 North Carolina colleges we profile, or $64,860 more across the full degree.