Grace College and Theological Seminary vs Calumet College of Saint Joseph: which has better ROI?
Neither clears its cost on institution-wide earnings, but Calumet College of Saint Joseph comes closer — median earnings $46,945 against a $89,804 total, vs $45,411 at Grace College and Theological Seminary. (Scorecard, 2026 · our math.)
| Measure | Grace College and Theological Seminary | Calumet College of Saint Joseph |
|---|---|---|
| Net price / yr | $19,932 | $22,451 |
| Total net cost | $79,728 | $89,804 |
| Median earnings, 10 yrs | $45,411 | $46,945 |
| Median debt | $19,500 | $21,534 |
| Payback | — | — |
| 20-year net return | -$138,708 | -$118,104 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, Grace College and Theological Seminary or Calumet College of Saint Joseph?
Grace College and Theological Seminary, at $19,932 a year after aid versus $22,451 — a gap of $2,519 a year, or $10,076 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do Grace College and Theological Seminary or Calumet College of Saint Joseph graduates earn more?
Calumet College of Saint Joseph graduates report a median $46,945 ten years after entry, $1,534 more than the $45,411 at Grace College and Theological Seminary. 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, Grace College and Theological Seminary or Calumet College of Saint Joseph?
Grace College and Theological Seminary: its completers carry a median $19,500 in federal loans versus $21,534 at Calumet College of Saint Joseph, a difference of $2,034. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
69% of students finish at Grace College and Theological Seminary, against 23% at Calumet College of Saint Joseph. 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.