Bemidji State University vs Concordia College at Moorhead: which has better ROI?
Concordia College at Moorhead has the better ROI: it clears its 4-year net cost of $99,608 in 9.1 years versus 11.3 years at Bemidji State University, on median earnings of $59,317 vs $53,755 ten years out. (Scorecard, 2026 · our math.)
| Measure | Bemidji State University | Concordia College at Moorhead |
|---|---|---|
| Net price / yr | $15,261 | $24,902 |
| Total net cost | $61,044 | $99,608 |
| Median earnings, 10 yrs | $53,755 | $59,317 |
| Median debt | $19,750 | $26,847 |
| Payback | 11.3 yrs | 9.1 yrs |
| 20-year net return | $46,856 | $119,532 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, Bemidji State University or Concordia College at Moorhead?
Bemidji State University, at $15,261 a year after aid versus $24,902 — a gap of $9,641 a year, or $38,564 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do Bemidji State University or Concordia College at Moorhead graduates earn more?
Concordia College at Moorhead graduates report a median $59,317 ten years after entry, $5,562 more than the $53,755 at Bemidji State University. 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, Bemidji State University or Concordia College at Moorhead?
Bemidji State University: its completers carry a median $19,750 in federal loans versus $26,847 at Concordia College at Moorhead, a difference of $7,097. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
61% of students finish at Concordia College at Moorhead, against 48% at Bemidji State University. 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.