Degree Dividend
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St Charles Community College vs College of the Ozarks: which has better ROI?

Public, Cottleville MO · vs · Private nonprofit, Point Lookout MO

The verdict

Neither clears its cost on institution-wide earnings, but St Charles Community College comes closer — median earnings $42,422 against a $11,674 total, vs $41,592 at College of the Ozarks. (Scorecard, 2026 · our math.)

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Head to head
MeasureSt Charles Community CollegeCollege of the Ozarks
Net price / yr$5,837$6,100
Total net cost$11,674$24,400
Median earnings, 10 yrs$42,422$41,592
Median debt$6,187
Payback
20-year net return-$130,434-$159,760

College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.

Which is cheaper, St Charles Community College or College of the Ozarks?

St Charles Community College, at $5,837 a year after aid versus $6,100 — a gap of $263 a year, or $12,726 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.

Do St Charles Community College or College of the Ozarks graduates earn more?

St Charles Community College graduates report a median $42,422 ten years after entry, $830 more than the $41,592 at College of the Ozarks. 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 graduates more of its students?

64% of students finish at College of the Ozarks, against 25% at St Charles 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.

St Charles Community College vs College of the Ozarks: frequently asked questions

Is St Charles Community College or College of the Ozarks a better value?
St Charles Community College comes closer, but neither clears its cost on institution-wide earnings — the field you study decides it here more than the school.
Which is cheaper, St Charles Community College or College of the Ozarks?
St Charles Community College: $5,837/yr net price after aid versus $6,100/yr at College of the Ozarks — a difference of $263 a year, or about $12,726 over four years.
Do St Charles Community College or College of the Ozarks graduates earn more?
St Charles Community College graduates earn a median $42,422 ten years after entry, versus $41,592 at College of the Ozarks — a $830 gap. This blends every major, so a specific field can flip it.