University of Providence — ROI, Cost & Payback
University of Providence charges a net price of $17,649/yr after aid — a 4-year total of $70,596. Median earnings ten years after entry are $48,296, 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, University of Providence does not clear its cost — it ranks #7 of 18 Montana colleges we track by ROI. The specific program you pick moves this more than the school average.
| Measure | Value | Source |
|---|---|---|
| Net price (after aid) | $17,649/yr | Scorecard, 2026 |
| Total net cost (4 yrs) | $70,596 | our math |
| Median earnings, 10 yrs after entry | $48,296 | Scorecard, 2026 |
| Earnings premium over HS baseline | -$64/yr | our math |
| Median debt (completers) | $18,750 | Scorecard, 2026 |
| Payback | does not clear | our math |
| 20-year net return | -$71,876 | our math |
College Scorecard (2026 release), institution-level · payback and returns are our math.
The arithmetic, on University of Providence's own numbers. Net price $17,649 × 4 years = $70,596 total. Median earnings $48,296 fall $64 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 $70,596 bill in about 7.1 years — the gap, not the price, is what blocks payback. Full method.
How much debt do University of Providence students graduate with?
A median $18,750 in federal loans among completers, or 39% of the $48,296 its graduates earn ten years out — our math. The figure excludes private loans and students who left before finishing.
What share of University of Providence students graduate?
28% finish their degree — 72% leave carrying the cost without the credential. Spread the $70,596 bill across that completion rate and the cohort pays $252,129 per graduate produced — our math, and the figure a payback number never shows.
Is University of Providence expensive compared with other Montana colleges?
Its $17,649 net price runs $3,836 above the $13,813 median across the 18 Montana colleges we profile, or $15,344 more across the full degree.