Degree Dividend
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University of Minnesota-Twin Cities vs Capella University: which has better ROI?

Public, Minneapolis MN · vs · Private for-profit, Minneapolis MN

The verdict

University of Minnesota-Twin Cities has the better ROI: it clears its 4-year net cost of $67,112 in 3.2 years versus not at all at Capella University, on median earnings of $69,020 vs $42,189 ten years out. (Scorecard, 2026 · our math.)

Head to head
MeasureUniversity of Minnesota-Twin CitiesCapella University
Net price / yr$16,778$17,956
Total net cost$67,112$71,824
Median earnings, 10 yrs$69,020$42,189
Median debt$19,500$14,968
Payback3.2 yrs
20-year net return$346,088$-195,244

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