Anoka-Ramsey Community College vs St Cloud Technical and Community College: which has better ROI?
Neither clears its cost on institution-wide earnings, but Anoka-Ramsey Community College comes closer — median earnings $48,342 against a $32,868 total, vs $46,874 at St Cloud Technical and Community College. (Scorecard, 2026 · our math.)
| Measure | Anoka-Ramsey Community College | St Cloud Technical and Community College |
|---|---|---|
| Net price / yr | $16,434 | $9,635 |
| Total net cost | $32,868 | $19,270 |
| Median earnings, 10 yrs | $48,342 | $46,874 |
| Median debt | $13,500 | $12,000 |
| Payback | — | — |
| 20-year net return | -$33,228 | -$48,990 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, Anoka-Ramsey Community College or St Cloud Technical and Community College?
St Cloud Technical and Community College, at $9,635 a year after aid versus $16,434 — a gap of $6,799 a year, or $13,598 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do Anoka-Ramsey Community College or St Cloud Technical and Community College graduates earn more?
Anoka-Ramsey Community College graduates report a median $48,342 ten years after entry, $1,468 more than the $46,874 at St Cloud Technical and Community College. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
Which leaves students with less debt, Anoka-Ramsey Community College or St Cloud Technical and Community College?
St Cloud Technical and Community College: its completers carry a median $12,000 in federal loans versus $13,500 at Anoka-Ramsey Community College, a difference of $1,500. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
45% of students finish at St Cloud Technical and Community College, against 30% at Anoka-Ramsey Community College. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.