University of St Thomas vs Concordia University-Saint Paul: which has better ROI?
University of St Thomas has the better ROI: it clears its 4-year net cost of $116,620 in 4.6 years versus 6.4 years at Concordia University-Saint Paul, on median earnings of $73,739 vs $59,871 ten years out. (Scorecard, 2026 · our math.)
| Measure | University of St Thomas | Concordia University-Saint Paul |
|---|---|---|
| Net price / yr | $29,155 | $18,462 |
| Total net cost | $116,620 | $73,848 |
| Median earnings, 10 yrs | $73,739 | $59,871 |
| Median debt | $23,250 | $17,832 |
| Payback | 4.6 yrs | 6.4 yrs |
| 20-year net return | $390,960 | $156,372 |
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-Saint Paul?
Concordia University-Saint Paul, at $18,462 a year after aid versus $29,155 — a gap of $10,693 a year, or $42,772 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-Saint Paul graduates earn more?
University of St Thomas graduates report a median $73,739 ten years after entry, $13,868 more than the $59,871 at Concordia University-Saint Paul. 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-Saint Paul?
Concordia University-Saint Paul: its completers carry a median $17,832 in federal loans versus $23,250 at University of St Thomas, a difference of $5,418. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
76% of students finish at University of St Thomas, against 46% at Concordia University-Saint Paul. 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.