St Cloud
Technical and Community College
Public Community College in Saint Cloud, MN. Six-year graduation rate 45%. Median 10-year earnings $46,874.
The median ten-year earnings figure of $46,874 sits near the national middle rather than at either extreme. Six-year completion sits at 45%, near the national average for undergraduate institutions. Borrowing stays contained, with median debt at graduation of $12,000.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ Debt-to-income ratio 0.26 — healthy (below the 0.40 threshold)
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
45% graduate within six years — average, but that average still hides a large group who do not. First-year retention is 65% — the single largest point of attrition on this campus. Retention and completion are close, which places the gap between entering and finishing almost entirely in year one. Transfer-out runs to 16% — common enough at this school that the completion rate is measuring a smaller group than the entering class. Retention drops to 49% for part-time students, a gap worth weighing if full-time study is not realistic.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 2,808 degree- or certificate-seeking undergraduates
At $8,948 a year on average after grant aid, cost is low here relative to most undergraduate institutions. Income makes less difference than usual: $6,889 at $0–30k, $13,804 at $110k+. About 62% get grants averaging $5,002, so plan on the possibility of paying closer to full price. About 29% borrow federally, roughly the national pattern.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 375 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $6,889 |
| $30–48k | $6,654 |
| $48–75k | $8,908 |
| $75–110k | $11,666 |
| $110k+ | $13,804 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 821 of these 2,808 students, totalling $4,883,561 — an average of $5,948 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Stearns County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026
Veterans & GI Bill
VA GI Bill Comparison Tool (Veterans Affairs GIDS)