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CollegeDebt

Theological and Ministerial Studies at Calvary University

MO · Private · 100% graduation rate

D
ROI Score
39/100
AVOID
Median Debt
$28,716
Year 1 Earnings
$40,000
Year 5 Earnings
$53,600
Debt-to-Earnings
0.72x

Debt vs Earnings

ROI Score Breakdown

Debt-to-Income Ratio43/100 (35%)
Earnings Premium vs HS27/100 (25%)
Job Market Outlook20/100 (20%)
Graduation Rate100/100 (10%)
Debt vs National Avg37/100 (10%)

Is Theological and Ministerial Studies at Calvary University Worth It?

Verdict: AVOID. The numbers do not work for Theological and Ministerial Studies at Calvary University. With $28,716 in debt and only $40,000 in first-year earnings, the debt-to-earnings ratio of 0.72x puts graduates in a difficult financial position. Even by year five ($53,600), the earning power does not justify the cost. Look at this major at a less expensive school, or consider a major with stronger earnings potential.