University of
St Thomas
Private College in Saint Paul, MN. Six-year graduation rate 77%. Median 10-year earnings $73,739.
Ten-year median earnings of $73,739 are the headline number here, and they are strong ones. Completion is a strength: 77% of students finish within six years. Median debt at graduation is $23,250, roughly typical for an undergraduate degree.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ Debt-to-income ratio 0.32 — healthy (below the 0.40 threshold)
- ✓ Graduation rate 77% — well above the national average
- ✓ 3-year loan default 0.0% — below national benchmark
- ! Mobility score 1.0 — limited economic uplift documented
Admissions
With an acceptance rate of 85%, University of St Thomas takes nearly everyone who applies. 9,774 students applied in the most recent cycle — a mid-sized pool drawn mostly from the surrounding region. About 21% of admitted students enroll, a yield in the normal range. 3% of enrolled first-years submitted an SAT score. The bands below describe the middle half of that group, not of the class.
Test score bands (middle 50% of submitters)
These bands describe the enrolled first-years who submitted a score, not the entering class. Where most students apply test-optional the submitters are a self-selected, higher-scoring group.
| Test | 25th–75th percentile | Submitted |
|---|---|---|
| SAT Evidence-Based Reading | 640–713 | 52 (3%) |
| SAT Math | 620–710 | |
| ACT Composite | 25–30 | 462 (27%) |
IPEDS Admissions · 2024
Apply at University of St Thomas →Academics
Six-year completion runs to 77% — students who start here overwhelmingly finish here. First-year retention of 88% shows the cohort holds together through the hardest year. A 15% transfer-out rate accounts for part of that gap: those students left for another institution rather than dropping out, and the graduation rate above counts them as non-completers here. A 14:1 ratio points to small classes and accessible faculty. As a private nonprofit four-year college, the relevant comparison is other four-year schools rather than the national average across all institutions.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 6,014 degree- or certificate-seeking undergraduates
Net price averages $31,250 annually, so cost is the first thing to weigh here. The gap between the $0–30k and $110k+ bands is narrow ($28,131 versus $33,232), meaning aid is not strongly need-weighted. Grant aid is widespread — 94% of students receive it, averaging $33,855. About 44% 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 · 1,679 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 | $28,131 |
| $30–48k | $26,820 |
| $48–75k | $24,357 |
| $75–110k | $25,363 |
| $110k+ | $33,232 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 2,660 of these 6,014 students, totalling $16,687,264 — an average of $6,273 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Ramsey 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)