Carlow University
Pittsburgh, PA 15213-3165 — Private Nonprofit
Value Score: 60/100 | ROI Score: -64 | Affordability Score: 55/100
Tuition (In-State): $35,874 | Out-of-State: $35,874
Acceptance Rate: 87.0% | Graduation Rate: 57.6% | Retention Rate: 84.4%
Median Earnings (10yr): $51,051 | Median Debt: $25,500
SAT Average: 1080 | ACT Midpoint: 23
Student Body Size: 1,348 (small)
Pell Grant Recipients: 43.0% | Federal Loan Rate: 69.3%
Average Faculty Salary: $7,520/month
Tuition & Affordability Analysis
In-state tuition at Carlow University is $35,874 per year, which is 9% below the national average for private institutions.
Out-of-state students pay $35,874/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: $143,496 (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 Carlow University:
- Families earning $0–$30,000: $17,901/year
- Families earning $30,001–$48,000: $15,748/year
- Families earning $48,001–$75,000: $19,517/year
- Families earning $75,001–$110,000: $21,601/year
- Families earning $110,000+: $25,214/year
Low-income families receive an average discount of $17,973/year, paying just 50% of the sticker price.
Admissions Snapshot
Carlow University has an acceptance rate of 87.0%, placing it in the Open Admission (85%+) category. This means roughly 388 students apply each year.
Carlow University accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.
The average SAT score of admitted students is 1080, near the national average. This is within the mid-range nationally.
The ACT midpoint is 23, 10% above the national average.
Graduate Outcomes & Return on Investment
57.6% of students at Carlow University complete their degree, 7% below the national average. This is below average — prospective students should investigate support services and retention programs.
First-year retention rate: 84.4% (4% above the national average). This indicates most students are satisfied enough to return for sophomore year.
Graduates of Carlow University earn a median salary of $51,051 ten years after enrollment, 25% above the national average. This represents a $16,051/year earnings premium over the average high school diploma holder, or $481,530 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $25,500, 19% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $277/month, with a total repayment of $33,240 (including $7,740 in interest).
Debt-to-Earnings Ratio: 0.50x. 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 Carlow University pays for itself in approximately 9 years. This is a reasonable investment timeline.
Financial Aid Profile
43.0% of students at Carlow University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 30% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.
69.3% of students take federal loans, 47% above the national average. This high borrowing rate means most students need loans to attend. Factor loan payments into your decision carefully.
Average faculty salary: $7,520/month, 14% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
Carlow University enrolls 1,348 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.
Diversity Index: 52/100 (higher = more diverse). The campus has moderate diversity.
Student body composition: White 66%, Hispanic 5%, Black 19%, Asian 3%.
Carlow University: Small Class Sizes and Personalized Education with High Debt
- Carlow University: Investing in Your Future in Pittsburgh's Thriving Job Market
- Beyond the Classroom: Carlow University's Path to Meaningful Careers
- Is Carlow University Worth the Price? An Honest Look at ROI and Outcomes
Report Card: Overall Grade D+
Carlow University receives an overall grade of D+ based on six dimensions:
- Academics: D
- Value: F
- Outcomes: C+
- Affordability: B
College Analysis
Carlow University is a Private Nonprofit institution in Pittsburgh, PA with approximately 1,348 students. Carlow University has a strong focus on small class sizes and personalized education, with a graduation rate of 57.58%. The university offers competitive earnings potential with a median 10-year earnings of $51,051, but the high median debt of $25,500 is a concern. Carlow University has a relatively low admission rate of 86.95%, indicating a selective admissions process. The university's ROI score is negative, suggesting that the cost of attendance may not be fully justified by the earnings potential.
The Verdict: Is Carlow University Worth It?
Carlow University presents a complex value proposition. With an in-state and out-of-state tuition of $35,874 and median 10-year earnings of $51,051, the immediate financial return appears modest, especially when factoring in the median debt of $25,500. The ROI score of -64 further underscores this concern, suggesting that, on average, graduates do not recoup their investment quickly through higher earnings compared to their educational costs. The debt payoff timeline, based on these figures, could extend to 5-7 years or more, depending on starting salary and repayment plan. While the university offers strong programs, particularly in nursing and education, and benefits from its Pittsburgh location with a lower cost of living, the median earnings are not significantly higher than the national average for all college graduates. Therefore, Carlow University is not a clear 'good deal' based purely on financial metrics. It might be a 'hidden gem' for students who are passionate about specific Carlow programs and are committed to building a career within the Pittsburgh region, where the cost of living can offset the initial investment. However, for students prioritizing rapid financial return on investment, it may be overpriced. Recommendation: Prospective students should carefully weigh their career aspirations against these financial realities and explore all available scholarships and aid. A degree from Carlow is likely most valuable for those seeking a specific educational experience and career path within its strong regional network, rather than as a purely financial investment.
Return on Investment
Given the high median debt and negative ROI score, the degree may not be fully justified by the cost of attendance.
Debt Reality Check
Median student debt at Carlow University: $25,500. Monthly payment on a standard 10-year plan: $290/month. Total repaid: $34,800 ($9,300 in interest).
Breakeven vs high school diploma: 1.2 years. Debt burden: Manageable. Salary needed for comfortable repayment: $34,800.
Strengths
- Strong focus on small class sizes and personalized education
- Competitive earnings potential
Weaknesses
- High median debt
- Negative ROI score
Academic Profile
SAT Average: 1080. ACT Midpoint: 23. Retention Rate: 84.4%.
Carlow University distinguishes itself with a strong emphasis on health sciences, education, and business, programs that align with the needs of the Pittsburgh region and beyond. The College of Health and Sciences is particularly robust, offering sought-after programs like nursing (BSN, MSN, DNP), occupational therapy, and physician assistant studies, often featuring state-of-the-art labs and clinical partnerships with major Pittsburgh healthcare systems. The College of Arts and Sciences provides a solid foundation in liberal arts, with notable programs in psychology, English, and sociology, preparing students for diverse career paths or graduate study. Education programs are also a cornerstone, with a history of preparing effective teachers for K-12 settings. Research opportunities, while perhaps not as extensive as at larger research institutions, are available, particularly for undergraduate students seeking to work closely with faculty mentors. The faculty at Carlow are known for their dedication to teaching and student success, often bringing real-world experience into the classroom. While specific faculty salary data isn't readily available, the university's commitment to personalized attention suggests a faculty that is accessible and invested in student outcomes. Carlow offers an Honors Program for academically high-achieving students, providing enriched coursework and opportunities for leadership and research. Study abroad options are available, allowing students to broaden their perspectives globally. Academic support is a key strength, with resources like the Academic Success Center offering tutoring, writing support, and academic advising to ensure students have the tools they need to succeed.
Financial Aid Guide for Carlow University
Pell Grant recipients: 43.0%. Students taking federal loans: 69.3%.
Navigating financial aid at Carlow University involves understanding its commitment to making education accessible, particularly for students pursuing careers in high-demand fields. As a private institution, Carlow offers a mix of merit-based and need-based aid. Merit scholarships are often awarded automatically based on academic achievement (GPA, high school coursework) at the time of admission, with amounts varying. For instance, students with strong academic profiles might receive anywhere from $10,000 to $20,000+ in merit aid annually. Need-based aid, determined by the FAFSA, is crucial. Carlow aims to provide institutional grants and scholarships to help bridge the gap between cost of attendance and what families can afford. For students from lower-income households (e.g., under $50,000 annual income), institutional grants could significantly offset tuition, potentially covering 50-75% or more of the sticker price when combined with federal Pell Grants and state grants. Middle-income families might see a combination of merit and need-based aid that reduces the net price considerably. Federal Work-Study is also an option for eligible students, providing part-time employment opportunities on or near campus. Typical aid packages can vary widely, but for a student with demonstrated need, the out-of-pocket cost after all aid could range from $10,000 to $20,000 annually, depending on their specific financial situation. Scholarship tips include applying early, exploring external scholarships, and highlighting community service or leadership experiences in applications. Negotiating aid at Carlow is possible, especially if you have a competing offer from a similarly ranked institution or if there's been a significant change in your family's financial circumstances, though it's generally more effective for merit aid than need-based institutional grants.
Hidden Costs at Carlow University
- Room and board at Carlow, while not mandatory for all students, can range from approximately $12,000 to $15,000 per academic year for those living in university housing and utilizing a meal plan.
- Textbooks and course materials can add an estimated $1,000 to $1,500 per year, depending on the courses and whether new or used books are purchased.
- Student fees, often referred to as 'university fees' or 'technology fees,' can total around $500 to $1,000 annually, covering services and infrastructure.
- Transportation costs, especially for students commuting or traveling home, can vary significantly but budget at least $500-$1,000 annually for local transit or personal vehicle use.
- Personal expenses, including toiletries, laundry, entertainment, and miscellaneous items, should be budgeted at approximately $1,500 to $2,500 per year.
- Health insurance is required for all students; if not covered by a parent's plan, Carlow's student health insurance plan can cost around $2,000 to $3,000 annually.
Alumni Outcomes & Career Paths
Carlow University, a private institution in Pittsburgh, PA, prepares graduates for a range of career paths, with a notable concentration in healthcare and education, reflecting the university's program strengths. Major employers that actively recruit Carlow graduates include UPMC (University of Pittsburgh Medical Center), Allegheny Health Network, and Children's Hospital of Pittsburgh of UPMC for nursing and health sciences programs. In the education sector, graduates find opportunities within Pittsburgh Public Schools and surrounding suburban districts, as well as early childhood education centers. Other industries where alumni cluster include social work and counseling, with placements at organizations like Family Services of Western Pennsylvania and various community mental health agencies. While specific graduate school placement rates are not readily available, Carlow's strong ties to the University of Pittsburgh's graduate programs, particularly in health sciences and education, suggest a favorable pathway for continued academic pursuits. Notable alumni include Dr. Mary Ann C. Reilly, a former president of Carlow, and various community leaders and healthcare professionals who have made significant contributions within the Pittsburgh region. The university's career services are generally well-regarded for their personalized approach, offering resume workshops, interview preparation, and networking events. Internship pipelines are robust, especially for students in nursing, occupational therapy, and education, often placing them within the extensive network of healthcare facilities and school districts in the greater Pittsburgh area. Geographic hiring patterns show a strong tendency for graduates to remain in Western Pennsylvania, leveraging the established professional networks and the concentration of healthcare and education employers in the region.
Campus Life & Culture at Carlow University
Carlow University attracts a diverse student body, with a significant portion of its students being adult learners and transfer students, alongside traditional undergraduates. The university fosters an inclusive environment that values diverse perspectives and experiences, making it a welcoming place for students from various backgrounds, including racial, ethnic, and socioeconomic diversity. Students who thrive at Carlow are often self-motivated, community-oriented, and seeking a supportive academic setting where they can develop strong professional skills and a sense of purpose.
Carlow University offers a close-knit campus experience, deeply rooted in its Catholic, Franciscan heritage. With a student body of around 1,300, the university fosters a strong sense of community where students often know each other across different majors. The campus is situated in the vibrant Oakland neighborhood of Pittsburgh, putting students in close proximity to other universities like the University of Pittsburgh and Carnegie Mellon, creating a dynamic intellectual and social environment. While Carlow doesn't have traditional on-campus housing for all students, it offers apartment-style living in its University Commons, providing a comfortable and convenient base for academic life. This setup encourages students to engage with the wider Pittsburgh community, exploring the city's rich cultural offerings, dining scene, and entertainment options. Social life at Carlow is often centered around campus events, student clubs, and academic pursuits. The university emphasizes service and social justice, reflecting its mission, so many student activities and organizations align with these values. You'll find clubs focused on academic interests, spiritual development, and community engagement. Greek life is not a prominent feature at Carlow, contributing to a more integrated social fabric. Athletics are primarily at the club and intramural level, offering opportunities for recreation and friendly competition rather than a major spectator sport focus. The overall vibe is one of academic seriousness blended with a supportive, personal atmosphere, where students are encouraged to grow intellectually and ethically. It's a place for students who appreciate a smaller, more focused learning environment within a major urban setting.
Campus Highlights
- Strong focus on health sciences, particularly nursing, with excellent clinical partnerships.
- Commitment to Catholic, Franciscan values, emphasizing service, social justice, and ethical leadership.
- Located in Pittsburgh's vibrant Oakland neighborhood, offering access to a major city's resources and cultural attractions.
- Small class sizes and a supportive, faculty-mentored learning environment.
- University Commons provides modern, apartment-style living for students.
- Emphasis on personalized education and career preparation tailored to student goals.
Location & Regional Advantages
Carlow University's location in Pittsburgh, PA, offers a unique blend of urban advantages and regional opportunities. Pittsburgh boasts a revitalized economy with strong sectors in healthcare, technology, education, and advanced manufacturing, providing a fertile ground for Carlow graduates. Major healthcare systems like UPMC and Allegheny Health Network are significant employers, offering numerous entry-level and advanced positions for Carlow's health sciences graduates. The city also has a growing tech scene, with companies like Google and Duolingo having a presence, creating opportunities for graduates in related fields. The cost of living in Pittsburgh is considerably lower than many major metropolitan areas, making the median debt of $25,500 more manageable and potentially shortening the debt payoff timeline. Quality of life is high, with a rich cultural scene, numerous parks, professional sports teams, and a vibrant culinary landscape. While Pittsburgh experiences four distinct seasons, including cold, snowy winters, the overall weather is generally moderate. Safety in the city varies by neighborhood, but university areas are typically well-maintained and patrolled. Proximity to other industry hubs is moderate; while not directly adjacent to coastal tech centers, Pittsburgh's established industries and its position as a regional economic driver provide ample career opportunities without the extreme cost of living associated with larger coastal cities. This location directly benefits Carlow graduates by placing them within a network of established employers who are familiar with the university's programs and reputation.
How to Get Into Carlow University
Carlow University employs a holistic review process, meaning they consider a range of factors beyond just grades and test scores (which are not required for admission). The admission rate of 87.0% indicates that Carlow is generally accessible, but a strong application is still key to standing out. Focus on presenting a well-rounded profile that highlights your academic potential, commitment to service, and alignment with Carlow's mission. While there are no early decision or early action options that offer a binding commitment or significant advantage, applying by the priority deadline (often in February) is recommended to ensure full consideration for scholarships and aid. The admissions committee looks for students who demonstrate academic readiness, a desire for personal and professional growth, and an understanding of Carlow's values. Strong essays are crucial; consider topics that showcase your resilience, leadership, community involvement, or how you plan to contribute to the Carlow community. Since test scores are not a factor, your GPA, the rigor of your high school curriculum, letters of recommendation, and your personal essay become even more important. Demonstrated interest isn't formally tracked, but engaging with the university through campus visits (virtual or in-person), attending information sessions, and connecting with admissions counselors can positively influence your application. Aim for a GPA that reflects consistent effort and strong performance, particularly in college preparatory courses.
How Carlow University Compares to Similar Schools
Similar schools: Point Park University, Duquesne University, Seton Hill University, Chatham University
Advantages
- Stronger focus on women's leadership and empowerment in some programs.
- Deeply embedded within the Pittsburgh community with strong local employer relationships.
- Smaller class sizes and more personalized attention due to its size.
Disadvantages
- Lower median graduate earnings compared to some larger, more research-intensive universities.
- Less national brand recognition outside of the immediate Pittsburgh region.
- Lower graduation rate compared to some peer institutions.
Best For
- Students seeking a low-debt education
- Students with a preference for large class sizes
Avoid If
- Students looking for a high ROI
- Students with limited financial resources
Frequently Asked Questions about Carlow University
How much does it cost to attend Carlow University?
In-state tuition at Carlow University is $35,874 per year, and out-of-state tuition is $35,874 per year. The median student debt at graduation is $25,500.
What is the acceptance rate at Carlow University?
Carlow University has an acceptance rate of 87.0%.
What is the graduation rate at Carlow University?
Carlow University has a graduation rate of 57.6%.
How much do Carlow University graduates earn?
The median earnings for Carlow University graduates 10 years after enrollment is $51,051. With median debt of $25,500, graduates earn roughly 2.0x their debt level annually.
How big is Carlow University?
Carlow University has approximately 1,348 students and is classified as a small institution. It is located in Pittsburgh, PA and is a Private Nonprofit institution.
Is Carlow University worth the cost?
Carlow University has an ROI score of -64 out of 100. With in-state tuition of $35,874 per year and median post-graduation earnings of $51,051, the data suggests the return on investment may be below average.
Where is Carlow University located?
Carlow University is located in Pittsburgh, PA. It is a Private Nonprofit institution with approximately 1,348 students.
How much student debt do Carlow University graduates have?
The median student debt for Carlow University graduates is $25,500. With median earnings of $51,051 ten years after enrollment, graduates can expect a debt-to-income ratio of 50%.
Is Carlow University a good college?
Carlow University has a graduation rate of 57.6% and median post-graduation earnings of $51,051. High white student population (66.02%)
How does Carlow University compare to similar colleges?
Low Asian student population (3.19%) Compared to peer institutions, Carlow University offers a personalized education with strong earnings potential but high debt.
What career prospects do Carlow University graduates have?
Graduates from Carlow University are well-positioned for careers in fields that value personalized education and small class sizes.
What should prospective students know about Carlow University?
Carlow University is best positioned in the market for students seeking a personalized education with strong earnings potential.
What makes Carlow University stand out?
High out-of-state tuition ($35,874)
What are the pros and cons of attending Carlow University?
Low affordability score (55)
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View on College Scorecard (Dept. of Education)
Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.