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University of Toledo vs Mount St. Joseph University: which has better ROI?

Public, Toledo OH · vs · Private nonprofit, Cincinnati OH

By the Degree Dividend editorial data teamEvery figure verified against its federal source — methodologyData updated June 2026

The verdict

Mount St. Joseph University has the better ROI: it clears its 4-year net cost of $66,120 in 21 years versus 30.4 years at University of Toledo, on median earnings of $51,509 vs $50,632 ten years out. (Scorecard, 2026 · our math.)

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Head to head
MeasureUniversity of ToledoMount St. Joseph University
Net price / yr$17,249$16,530
Total net cost$68,996$66,120
Median earnings, 10 yrs$50,632$51,509
Median debt$22,250$26,827
Payback30.4 yrs21 yrs
20-year net return-$23,556-$3,140

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

Which is cheaper, University of Toledo or Mount St. Joseph University?

Mount St. Joseph University, at $16,530 a year after aid versus $17,249 — a gap of $719 a year, or $2,876 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 Toledo or Mount St. Joseph University graduates earn more?

Mount St. Joseph University graduates report a median $51,509 ten years after entry, $877 more than the $50,632 at University of Toledo. 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 Toledo or Mount St. Joseph University?

University of Toledo: its completers carry a median $22,250 in federal loans versus $26,827 at Mount St. Joseph University, a difference of $4,577. The figure counts students who finished; it excludes private loans and anyone who left before graduating.

Which graduates more of its students?

57% of students finish at University of Toledo, against 56% at Mount St. Joseph University. 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.

University of Toledo vs Mount St. Joseph University: frequently asked questions

Is University of Toledo or Mount St. Joseph University a better value?
Mount St. Joseph University. It clears its $66,120 net cost in about 21 years versus 30.4 years at University of Toledo, on median earnings of $51,509 vs $50,632 ten years out.
Which is cheaper, University of Toledo or Mount St. Joseph University?
Mount St. Joseph University: $16,530/yr net price after aid versus $17,249/yr at University of Toledo — a difference of $719 a year, or about $2,876 over four years.
Do University of Toledo or Mount St. Joseph University graduates earn more?
Mount St. Joseph University graduates earn a median $51,509 ten years after entry, versus $50,632 at University of Toledo — a $877 gap. This blends every major, so a specific field can flip it.