Biola University vs The Master's University and Seminary: which has better ROI?
The Master's University and Seminary has the better ROI: it clears its 4-year net cost of $130,588 in 14.9 years versus 15 years at Biola University, on median earnings of $57,106 vs $56,778 ten years out. (Scorecard, 2026 · our math.)
| Measure | Biola University | The Master's University and Seminary |
|---|---|---|
| Net price / yr | $31,495 | $32,647 |
| Total net cost | $125,980 | $130,588 |
| Median earnings, 10 yrs | $56,778 | $57,106 |
| Median debt | $23,875 | $20,500 |
| Payback | 15 yrs | 14.9 yrs |
| 20-year net return | $42,380 | $44,332 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, Biola University or The Master's University and Seminary?
Biola University, at $31,495 a year after aid versus $32,647 — a gap of $1,152 a year, or $4,608 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do Biola University or The Master's University and Seminary graduates earn more?
The Master's University and Seminary graduates report a median $57,106 ten years after entry, $328 more than the $56,778 at Biola 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, Biola University or The Master's University and Seminary?
The Master's University and Seminary: its completers carry a median $20,500 in federal loans versus $23,875 at Biola University, a difference of $3,375. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
68% of students finish at The Master's University and Seminary, against 68% at Biola 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.