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Calumet College of Saint Joseph

Whiting, IN 46394 — Private Nonprofit

Value Score: 55/100 | ROI Score: -51 | Affordability Score: 55/100

Tuition (In-State): $23,850 | Out-of-State: $23,850

Graduation Rate: 26.2% | Retention Rate: 42.3%

Median Earnings (10yr): $46,945 | Median Debt: $21,534

Student Body Size: 529 (small)

Pell Grant Recipients: 51.6% | Federal Loan Rate: 54.3%

Average Faculty Salary: $6,093/month

Tuition & Affordability Analysis

In-state tuition at Calumet College of Saint Joseph is $23,850 per year, which is 39% below the national average for private institutions.

Out-of-state students pay $23,850/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.

Estimated four-year tuition cost: $95,400 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at Calumet College of Saint Joseph:

  • Families earning $0–$30,000: $21,381/year
  • Families earning $30,001–$48,000: $22,931/year
  • Families earning $48,001–$75,000: $22,877/year
  • Families earning $75,001–$110,000: $23,358/year
  • Families earning $110,000+: $24,970/year

Low-income families receive an average discount of $2,469/year, paying just 90% of the sticker price.

Graduate Outcomes & Return on Investment

26.2% of students at Calumet College of Saint Joseph complete their degree, 58% below the national average. This low graduation rate is a significant concern that prospective students should weigh carefully.

First-year retention rate: 42.3% (48% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Calumet College of Saint Joseph earn a median salary of $46,945 ten years after enrollment, 15% above the national average. This represents a $11,945/year earnings premium over the average high school diploma holder, or $358,350 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $21,534, near the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $234/month, with a total repayment of $28,080 (including $6,546 in interest).

Debt-to-Earnings Ratio: 0.46x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from Calumet College of Saint Joseph pays for itself in approximately 8 years. This is a reasonable investment timeline.

Financial Aid Profile

51.6% of students at Calumet College of Saint Joseph receive Pell Grants (federal need-based aid for families earning under ~$60,000), 56% above the national average. This high Pell rate indicates the school serves a large proportion of lower-income students and likely has strong need-based aid programs.

54.3% of students take federal loans, 16% above the national average. This is a moderate borrowing rate.

Average faculty salary: $6,093/month, 30% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Calumet College of Saint Joseph enrolls 529 undergraduate students. As a small institution, students can expect smaller class sizes, closer faculty relationships, and a tight-knit campus community.

Diversity Index: 70/100 (higher = more diverse). Calumet College of Saint Joseph has a highly diverse student body with strong representation across multiple racial and ethnic groups.

Student body composition: White 32%, Hispanic 33%, Black 29%, Asian 1%.

Calumet College of Saint Joseph: Low Graduation Rate and High Debt

Report Card: Overall Grade D+

Calumet College of Saint Joseph receives an overall grade of D+ based on six dimensions:

  • Academics: D
  • Value: F
  • Outcomes: C+
  • Affordability: A

College Analysis

Calumet College of Saint Joseph is a Private Nonprofit institution in Whiting, IN with approximately 529 students. Calumet College of Saint Joseph has a low graduation rate, which may indicate challenges in academic support or student engagement. The college's median earnings 10 years after graduation are below the national average, suggesting potential career outcomes may not be as strong as peers. Calumet College of Saint Joseph has a relatively high median debt, which could be a financial burden for students.

The Verdict: Is Calumet College of Saint Joseph Worth It?

Calumet College of Saint Joseph presents a challenging value proposition. With a median 10-year earning of $46,945 and a median debt of $21,534, the return on investment appears modest, especially when considering the ROI score of -51. The tuition of $23,850 per year, while not the highest, is substantial relative to the median earnings. A direct comparison shows that it would take approximately 4.6 years of median earnings to pay off the median debt, assuming no living expenses or interest accrues. However, the low graduation rate of 26.2% is a significant concern, suggesting that a large percentage of students do not complete their degrees, which can lead to debt without the intended earning potential. While the school offers a more affordable cost of living in its region and proximity to the Chicago job market, the financial metrics are not compelling. The median earnings are considerably lower than national averages for college graduates. Therefore, Calumet College of Saint Joseph is not a clear financial win. It might be a viable option for students who can secure significant financial aid or scholarships, or for those who are highly confident in their ability to leverage the Chicago proximity for high-paying jobs not reflected in the median earnings. For the average student, it appears overpriced given the outcomes.

Return on Investment

Given the high median debt and low ROI score, the degree may not be worth the cost for many students.

Debt Reality Check

Median student debt at Calumet College of Saint Joseph: $21,534. Monthly payment on a standard 10-year plan: $245/month. Total repaid: $29,400 ($7,866 in interest).

Breakeven vs high school diploma: 1.3 years. Debt burden: Manageable. Salary needed for comfortable repayment: $29,400.

Strengths

  • Small, private, and non-profit, offering a close-knit community.
  • Located in a diverse community with a focus on Hispanic and Black students.

Weaknesses

  • Low graduation rate and high median debt.
  • Below-average median earnings 10 years after graduation.

Academic Profile

Retention Rate: 42.3%.

CCSJ's academic environment is characterized by a strong commitment to personalized attention, a hallmark of its smaller size and Franciscan values. While specific program rankings are not readily available, the college emphasizes practical, career-oriented education. Notable departments often include Business Administration, Criminal Justice, and Health Sciences, reflecting the needs of the regional economy and student interests. The faculty, though not detailed by salary, are generally accessible due to the low student-faculty ratio (implied by the small student body size), allowing for more one-on-one interaction and mentorship. Research opportunities, while perhaps not as extensive as at larger research institutions, are available, particularly for students engaged in capstone projects or independent study within their chosen fields. CCSJ offers an Honors Program designed to challenge high-achieving students with enriched coursework and dedicated faculty guidance. Study abroad opportunities, while potentially less frequent than at larger universities, are facilitated through partnerships, offering students a chance to broaden their global perspectives. Academic support resources are robust, with tutoring services, writing centers, and academic advising readily available to ensure students have the tools they need to succeed. The focus is on providing a supportive academic journey that prepares graduates for meaningful careers and lifelong learning.

Financial Aid Guide for Calumet College of Saint Joseph

Pell Grant recipients: 51.6%. Students taking federal loans: 54.3%.

Navigating financial aid at Calumet College of Saint Joseph (CCSJ) is a crucial step for prospective students, especially given the tuition of $23,850 for both in-state and out-of-state students. CCSJ is committed to making education accessible through a combination of federal, state, and institutional aid. Merit-based aid is available, awarded to students demonstrating academic achievement, though specific thresholds and amounts can vary annually. Need-based aid, determined by the Free Application for Federal Student Aid (FAFSA), is a significant component of the aid packages offered. Many students receive federal grants like the Pell Grant (though the rate is not specified, it's a common source of aid for lower-income students) and state grants, which do not need to be repaid. Work-study programs are also offered, providing students with opportunities to earn money through on-campus employment. Typical aid packages can vary widely based on individual financial circumstances, but students from lower-income households (e.g., under $30,000 Adjusted Gross Income) might see a substantial portion of their tuition covered by grants and scholarships. For middle-income families, a mix of grants, federal loans, and potentially institutional scholarships would be common. Scholarship opportunities beyond general merit aid may exist through specific departments or external organizations; students are encouraged to actively seek these out. While CCSJ aims to be generous, negotiating aid packages can be challenging at smaller institutions. However, if you have received a more favorable offer from a comparable institution, presenting that information might open a dialogue, though it's not guaranteed. It's essential to complete the FAFSA early and thoroughly to maximize eligibility for all aid types.

Hidden Costs at Calumet College of Saint Joseph

  • On-campus housing can range from approximately $5,000 to $8,000 per academic year, depending on the room type and occupancy.
  • Meal plans typically cost between $3,000 and $4,500 per academic year, offering various options for dining hall access and points.
  • Textbooks and course materials can add an estimated $1,000 to $1,500 per year, varying significantly by program and course.
  • Student fees, often including technology, activity, and registration fees, can total around $500 to $1,000 annually.
  • Transportation costs, especially for students commuting or traveling home, could range from $500 to $2,000 per year depending on distance and mode of travel.
  • Personal expenses, including toiletries, laundry, entertainment, and incidental items, might average $1,000 to $2,000 annually.
  • Health insurance, if not covered by a parent's plan, can add approximately $2,000 to $3,000 per year for the student plan.

Alumni Outcomes & Career Paths

Calumet College of Saint Joseph (CCSJ) graduates enter a job market where their outcomes are shaped by the school's size and location. While specific data on major employers actively recruiting on campus is limited, alumni often find opportunities within the diverse industrial landscape of Northwest Indiana and the greater Chicagoland area. Industries where CCSJ alumni tend to cluster include healthcare, manufacturing, education, and public service. Given the school's focus on practical career preparation, many graduates are absorbed into regional healthcare systems like Franciscan Health or Community Healthcare System, or find roles in local manufacturing firms that are prevalent in the area. The education sector also sees CCSJ alumni, particularly those in teaching programs, taking positions in nearby school districts.

Graduate school placement rates are not prominently published, suggesting that while some students pursue advanced degrees, it's not the primary pathway for the majority. Career services at CCSJ likely focus on connecting students with local internships and job opportunities. Internship pipelines are crucial for CCSJ students, providing hands-on experience that bridges the gap between academic learning and employment. These internships are often secured with regional businesses and organizations, offering a direct route to potential post-graduation employment. Geographic hiring patterns show a strong tendency for graduates to remain in Northwest Indiana or move into the adjacent Chicago metropolitan area, leveraging the proximity to a vast economic hub. Notable alumni are not widely publicized, which is common for smaller institutions, but the focus remains on providing a solid foundation for regional employment.

While specific company names that recruit heavily on campus are not readily available, the general trend points towards local and regional employers in sectors that define the economic base of the area. The emphasis is on practical application of learned skills within established industries.

Campus Life & Culture at Calumet College of Saint Joseph

CCSJ serves a predominantly regional student body, with a significant portion of students coming from Indiana and surrounding states, reflecting its accessibility and community focus. The college values diversity and strives to create an inclusive environment that supports students from various backgrounds, including a notable percentage of first-generation students and those from lower-income households who benefit from the institution's commitment to affordability and support services. Students who thrive at CCSJ are often those who appreciate a personalized educational experience, seek strong faculty mentorship, and desire to be part of a close-knit, supportive campus community.

Calumet College of Saint Joseph (CCSJ), nestled in Whiting, Indiana, offers a close-knit campus experience that truly embodies its Catholic Franciscan heritage. With a student body of just over 500, the 'vibe' here is undeniably personal and community-focused. Forget sprawling quads and anonymous lecture halls; CCSJ feels more like an extended family. Social life often revolves around campus events organized by student affairs and various clubs. While Greek life isn't a dominant force, student organizations are plentiful and cater to a wide range of interests, from academic clubs like the Business Professionals of America to cultural groups and service organizations that reflect the college's mission. The college's location in Whiting, a historic industrial town on the southern tip of Lake Michigan, offers a unique backdrop. Students can explore the nearby Indiana Dunes National Park for outdoor adventures or venture into the vibrant city of Chicago, just a short drive away, for more extensive entertainment and cultural opportunities. Housing is primarily on-campus, providing a convenient and immersive experience for those who choose to live at CCSJ. Dining services offer a communal space for students to connect, with meal plans designed to be both convenient and affordable. Athletics are a significant part of the CCSJ experience, with teams competing in the NAIA, fostering a strong sense of school spirit and camaraderie. The intimate size means that students are likely to know many of their peers and faculty by name, creating a supportive environment where personal growth and academic success are intertwined.

Campus Highlights

  • Close-knit community fostered by a small student body of around 500.
  • Strong Franciscan heritage influencing campus culture and values.
  • Proximity to Chicago for urban exploration and internship opportunities.
  • Access to the natural beauty of the Indiana Dunes National Park for outdoor recreation.
  • Emphasis on personalized attention from faculty due to a low student-faculty ratio.
  • Active student life with various clubs and organizations catering to diverse interests.
  • Competitive NAIA athletics program fostering school spirit.

Location & Regional Advantages

Calumet College of Saint Joseph's location in Whiting, Indiana, offers a unique set of advantages and challenges for its students. Situated in Northwest Indiana, the college benefits from its proximity to the robust economic engine of the Chicago metropolitan area, just a short drive away. This allows students to access a wider array of internship and job opportunities in a major urban center while potentially enjoying a lower cost of living than if they were studying directly within Chicago. The local job market in Whiting and surrounding communities like Hammond and East Chicago is historically tied to heavy industry, manufacturing, and logistics, but has been diversifying into healthcare and service sectors.

Northwest Indiana generally offers a more affordable cost of living compared to its Illinois neighbor, making it an attractive option for students mindful of expenses. Quality of life in the region is characterized by a strong sense of community, access to Lake Michigan for recreation, and a developing cultural scene. While weather is typical of the Midwest with distinct seasons, including cold winters and warm summers, the area is generally considered safe, though like any urbanizing region, specific neighborhoods vary. The proximity to Chicago is a significant career advantage, providing access to a vast network of companies across nearly every industry, from finance and technology to arts and media. This dual access – a more affordable home base with a major metropolitan hub within easy reach – positions CCSJ graduates to potentially secure employment in a diverse range of fields, both locally and in the larger regional economy.

How to Get Into Calumet College of Saint Joseph

Applying to Calumet College of Saint Joseph (CCSJ) is a straightforward process, with the college generally valuing a holistic review of applicants. Given its size and mission, CCSJ likely seeks students who will thrive in a close-knit, supportive community and who align with its Franciscan values. While specific GPA or test score ranges are not provided, it's reasonable to infer that a strong high school record with a GPA above 2.5-3.0 and a solid performance on standardized tests (if submitted) would be advantageous. Early Action (EA) or Early Decision (ED) options may offer a slight advantage by demonstrating strong interest, though CCSJ does not appear to be a highly selective institution where these deadlines are critical for admission. The admissions office likely looks for evidence of academic potential, personal character, and a genuine interest in the CCSJ experience. Essays are a valuable opportunity to showcase personality, aspirations, and how a student might contribute to the campus community. Topics that highlight resilience, community involvement, or a clear connection to the college's mission tend to resonate well. Demonstrated interest can be shown through campus visits (virtual or in-person), attending information sessions, and consistent communication with the admissions office. The application timeline typically involves submitting the application, transcripts, and any required test scores by the priority deadlines, often in the spring, to ensure timely consideration for admission and financial aid.

How Calumet College of Saint Joseph Compares to Similar Schools

Similar schools: Purdue University Northwest, Indiana University Northwest, Governors State University, Trinity Christian College

Advantages

  • Smaller class sizes and more personalized attention due to its significantly smaller student body.
  • Stronger focus on specific niche programs or a particular educational philosophy that might appeal to a subset of students.
  • Potentially more accessible faculty interaction and mentorship opportunities.

Disadvantages

  • Lower overall institutional ranking and recognition compared to larger, more established regional universities.
  • More limited resources, facilities, and a smaller alumni network.
  • Lower graduation rates suggest potential challenges in student retention and support systems.

Best For

  • Students looking for a high graduation rate and strong career outcomes may want to consider other options.
  • Students seeking a low-debt education may find better options elsewhere.

Avoid If

  • Students who prioritize high tuition and debt levels should avoid Calumet College of Saint Joseph.
  • Students who are not local and prefer out-of-state tuition rates should consider other institutions.

Frequently Asked Questions about Calumet College of Saint Joseph

How much does it cost to attend Calumet College of Saint Joseph?

In-state tuition at Calumet College of Saint Joseph is $23,850 per year, and out-of-state tuition is $23,850 per year. The median student debt at graduation is $21,534.

What is the graduation rate at Calumet College of Saint Joseph?

Calumet College of Saint Joseph has a graduation rate of 26.2%.

How much do Calumet College of Saint Joseph graduates earn?

The median earnings for Calumet College of Saint Joseph graduates 10 years after enrollment is $46,945. With median debt of $21,534, graduates earn roughly 2.2x their debt level annually.

How big is Calumet College of Saint Joseph?

Calumet College of Saint Joseph has approximately 529 students and is classified as a small institution. It is located in Whiting, IN and is a Private Nonprofit institution.

Is Calumet College of Saint Joseph worth the cost?

Calumet College of Saint Joseph has an ROI score of -51 out of 100. With in-state tuition of $23,850 per year and median post-graduation earnings of $46,945, the data suggests the return on investment may be below average.

Where is Calumet College of Saint Joseph located?

Calumet College of Saint Joseph is located in Whiting, IN. It is a Private Nonprofit institution with approximately 529 students.

How much student debt do Calumet College of Saint Joseph graduates have?

The median student debt for Calumet College of Saint Joseph graduates is $21,534. With median earnings of $46,945 ten years after enrollment, graduates can expect a debt-to-income ratio of 46%.

Is Calumet College of Saint Joseph a good college?

Calumet College of Saint Joseph has a graduation rate of 26.2% and median post-graduation earnings of $46,945. The college's student body is predominantly Hispanic and Black, with a small Asian population.

How does Calumet College of Saint Joseph compare to similar colleges?

The tuition is the same for in-state and out-of-state students, which is unusual and may indicate a focus on local enrollment. Compared to peer institutions, Calumet College of Saint Joseph has lower graduation rates and median earnings, but similar tuition costs.

What career prospects do Calumet College of Saint Joseph graduates have?

Graduates may find better career opportunities and higher earnings at larger, more established institutions.

What should prospective students know about Calumet College of Saint Joseph?

Calumet College of Saint Joseph may be best positioned for students seeking a local education with a focus on Hispanic and Black communities.

What makes Calumet College of Saint Joseph stand out?

The college is located in a small city, which may limit job opportunities for graduates.

What are the pros and cons of attending Calumet College of Saint Joseph?

The college's website is outdated and does not provide detailed information about programs or student life.

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.