University of St Thomas vs Concordia University Texas: which has better ROI?
University of St Thomas has the better ROI: it clears its 4-year net cost of $77,436 in 7.1 years versus 7.4 years at Concordia University Texas, on median earnings of $59,224 vs $60,883 ten years out. (Scorecard, 2026 · our math.)
| Measure | University of St Thomas | Concordia University Texas |
|---|---|---|
| Net price / yr | $19,359 | $23,131 |
| Total net cost | $77,436 | $92,524 |
| Median earnings, 10 yrs | $59,224 | $60,883 |
| Median debt | $19,928 | $21,852 |
| Payback | 7.1 yrs | 7.4 yrs |
| 20-year net return | $139,844 | $157,936 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, University of St Thomas or Concordia University Texas?
University of St Thomas, at $19,359 a year after aid versus $23,131 — a gap of $3,772 a year, or $15,088 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do University of St Thomas or Concordia University Texas graduates earn more?
Concordia University Texas graduates report a median $60,883 ten years after entry, $1,659 more than the $59,224 at University of St Thomas. 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, University of St Thomas or Concordia University Texas?
University of St Thomas: its completers carry a median $19,928 in federal loans versus $21,852 at Concordia University Texas, a difference of $1,924. 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 University of St Thomas, against 45% at Concordia University Texas. 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.