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College of the Holy Cross

Worcester, MA 01610-2395 — Private Nonprofit

Value Score: 75/100 | ROI Score: -65 | Affordability Score: 55/100

Tuition (In-State): $64,500 | Out-of-State: $64,500

Acceptance Rate: 17.6% | Graduation Rate: 88.4% | Retention Rate: 94.8%

Median Earnings (10yr): $90,543 | Median Debt: $27,000

SAT Average: 1353 | ACT Midpoint: 30

Student Body Size: 3,106 (medium)

Pell Grant Recipients: 14.8% | Federal Loan Rate: 37.7%

Average Faculty Salary: $12,363/month

Tuition & Affordability Analysis

In-state tuition at College of the Holy Cross is $64,500 per year, which is 64% above the national average for private institutions.

Out-of-state students pay $64,500/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: $258,000 (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 College of the Holy Cross:

  • Families earning $0–$30,000: $14,343/year
  • Families earning $30,001–$48,000: $16,179/year
  • Families earning $48,001–$75,000: $12,682/year
  • Families earning $75,001–$110,000: $27,711/year
  • Families earning $110,000+: $56,284/year

Low-income families receive an average discount of $50,157/year, paying just 22% of the sticker price.

Admissions Snapshot

College of the Holy Cross has an acceptance rate of 17.6%, placing it in the Highly Selective (10–20%) category. This means roughly 4,409 students apply each year.

With an acceptance rate under 20%, College of the Holy Cross is among the most competitive institutions in the country. Strong academics, extracurriculars, and compelling essays are essential.

The average SAT score of admitted students is 1353, 28% above the national average. This reflects a strong academic student body.

The ACT midpoint is 30, 43% above the national average.

Graduate Outcomes & Return on Investment

88.4% of students at College of the Holy Cross complete their degree, 43% above the national average. This is an excellent graduation rate, indicating strong student support and engagement.

First-year retention rate: 94.8% (17% above the national average). A retention rate above 90% signals high student satisfaction and strong first-year experience programs.

Graduates of College of the Holy Cross earn a median salary of $90,543 ten years after enrollment, 121% above the national average. This represents a $55,543/year earnings premium over the average high school diploma holder, or $1,666,290 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $27,000, 26% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $293/month, with a total repayment of $35,160 (including $8,160 in interest).

Debt-to-Earnings Ratio: 0.30x. 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 College of the Holy Cross pays for itself in approximately 5 years. This is an excellent return on investment.

Financial Aid Profile

14.8% of students at College of the Holy Cross receive Pell Grants (federal need-based aid for families earning under ~$60,000), 55% below the national average. A lower Pell rate suggests the student body skews toward higher-income families. Merit aid may be more prevalent than need-based aid.

37.7% of students take federal loans, 20% below the national average. This is a moderate borrowing rate.

Average faculty salary: $12,363/month, 42% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

College of the Holy Cross enrolls 3,106 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 51/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 68%, Hispanic 13%, Black 5%, Asian 3%.

College of the Holy Cross: Medium-sized private liberal arts college with strong academic and career outcomes.

Report Card: Overall Grade C

College of the Holy Cross receives an overall grade of C based on six dimensions:

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

College Analysis

College of the Holy Cross is a Private Nonprofit institution in Worcester, MA with approximately 3,106 students. Academics: Strong focus on liberal arts with a high graduation rate. Value: High tuition with moderate affordability score, but strong earnings potential. Outcomes: Graduates earn above-average salaries with a high graduation rate.

The Verdict: Is College of the Holy Cross Worth It?

The College of the Holy Cross presents a complex value proposition. With an out-of-state tuition of $64,500 and a median 10-year earnings of $90,543, the initial financial outlay is substantial. The median debt of $27,000 is moderate, but the payback period on this debt, relative to the earnings, requires careful consideration. Based on these figures, the ROI score of -65 suggests that, on average, graduates may not recoup their investment in the short to medium term compared to the national average. However, this quantitative analysis doesn't capture the full picture. Holy Cross excels in providing a rigorous liberal arts education, fostering critical thinking, and building a powerful, engaged alumni network. These qualitative benefits, while harder to quantify, often lead to long-term career success and personal fulfillment that can far outweigh the initial cost. The strong placement into graduate programs and high-achieving industries indicates that while the immediate financial return might be modest, the long-term earning potential and career trajectory are often very strong. **Verdict:** Holy Cross is an expensive institution, and the immediate financial return on investment is not its strongest selling point. However, for students who will thrive in its challenging academic environment and leverage its robust alumni network, it can be a worthwhile investment for long-term career growth and personal development. It's not a 'good deal' in the purely financial sense, but it can be a valuable choice for the right student.

Return on Investment

While the degree from College of the Holy Cross is valuable, the high tuition costs may not provide a strong return on investment for all students.

Debt Reality Check

Median student debt at College of the Holy Cross: $27,000. Monthly payment on a standard 10-year plan: $307/month. Total repaid: $36,840 ($9,840 in interest).

Breakeven vs high school diploma: 0.4 years. Debt burden: Low. Salary needed for comfortable repayment: $36,840.

Strengths

  • Strong academic programs and high graduation rate.
  • Above-average earnings potential for graduates.

Weaknesses

  • High tuition costs with limited financial aid options.
  • Predominantly white student body with limited diversity.

Academic Profile

SAT Average: 1353. ACT Midpoint: 30. Retention Rate: 94.8%.

The College of the Holy Cross is renowned for its rigorous liberal arts curriculum, emphasizing critical thinking, ethical reasoning, and effective communication, all hallmarks of its Jesuit heritage. The academic profile is characterized by small class sizes, with a student-faculty ratio of 10:1, ensuring personalized attention and deep engagement with professors. While specific faculty salary data isn't publicly available, the commitment to attracting and retaining high-caliber faculty is evident in the quality of instruction. Notable departments include Economics, Political Science, English, and Psychology, which consistently draw strong student interest and boast impressive alumni outcomes. The Montserrat Program is a distinctive first-year experience designed to foster intellectual curiosity and community, integrating writing, critical inquiry, and a shared intellectual journey. Research opportunities are plentiful, with many students engaging in faculty-mentored research projects, often culminating in presentations at the annual Student Scholarship Symposium. The College strongly encourages study abroad, with over 60% of students participating in programs across the globe, facilitated by dedicated advisors. Academic support is robust, with the Center for Academic Success offering tutoring, writing support, and academic skills workshops, ensuring students have the resources to thrive in this demanding academic environment.

Financial Aid Guide for College of the Holy Cross

Pell Grant recipients: 14.8%. Students taking federal loans: 37.7%.

Holy Cross is committed to making its exceptional liberal arts education accessible through a combination of need-based financial aid and merit scholarships. As a need-blind institution, the admissions committee does not consider a student's ability to pay when making admission decisions. The majority of financial aid awarded is need-based, with the average need-based grant for the Class of 2027 being approximately $47,000. Merit scholarships, while available, are highly competitive and typically awarded to a smaller percentage of the incoming class. Work-study opportunities are also a component of many aid packages, providing students with the chance to earn money through on-campus employment. For families with an Expected Family Contribution (EFC) of $0, Holy Cross aims to meet 100% of demonstrated need through grants and work-study, minimizing the need for loans. For families with higher incomes, aid packages will vary based on demonstrated need. While Holy Cross does not typically offer formal aid negotiation, prospective students are encouraged to contact the Financial Aid Office to discuss any extenuating circumstances that may impact their financial situation. Scholarship tips include applying for external scholarships and thoroughly completing the CSS Profile and FAFSA, as these are crucial for determining eligibility for institutional aid.

Hidden Costs at College of the Holy Cross

  • Room and board costs are not fully included in tuition and can range from $16,000 to $18,000 annually, depending on the chosen meal plan and housing assignment.
  • Textbooks and course materials can add an estimated $1,000 to $1,500 per academic year.
  • Student activity fees, which fund various campus organizations and events, typically amount to around $300 per semester.
  • Transportation costs, especially for students traveling home or exploring the surrounding New England area, can vary significantly but budget at least $500-$1,000 annually.
  • Personal expenses, including toiletries, laundry, entertainment, and incidental purchases, can easily add up to $1,500-$2,500 per year.
  • Optional health insurance for students not covered by a parent's plan can cost upwards of $3,000 annually.
  • Parking permits for students who bring cars to campus can cost between $200-$400 per academic year.

Alumni Outcomes & Career Paths

Graduates from the College of the Holy Cross are well-positioned for success across a variety of competitive fields. The college boasts a strong alumni network that actively engages with current students and recent graduates, facilitating career exploration and job placement. Major employers that frequently recruit Holy Cross graduates include financial services giants like JPMorgan Chase, Goldman Sachs, and Morgan Stanley, as well as consulting firms such as Deloitte, PwC, and EY. The technology sector also attracts Holy Cross alumni, with companies like Google and Microsoft appearing in hiring data. Beyond these, many graduates find roles in healthcare administration, education, and non-profit organizations.

Industries where alumni tend to cluster are finance (investment banking, asset management, commercial banking), consulting, law, education, and healthcare. The college also has a notable placement rate into graduate and professional schools, with many alumni pursuing advanced degrees in law (e.g., Boston University School of Law, Georgetown Law), medicine (e.g., Tufts University School of Medicine, University of Massachusetts Medical School), and business (e.g., Harvard Business School, MIT Sloan).

Career Services at Holy Cross is highly regarded, offering personalized advising, resume workshops, and robust internship programs. The college emphasizes experiential learning, with strong internship pipelines into organizations like Fidelity Investments, The New York Times, and various hospitals and government agencies in the Boston and New York City areas. Geographic hiring patterns show a strong concentration of alumni in the Northeast, particularly in Boston, New York City, and Washington D.C., but also significant placements in other major metropolitan areas across the country.

Campus Life & Culture at College of the Holy Cross

The student body at Holy Cross is intellectually curious, community-minded, and driven by a desire to make a positive impact. Students often come from diverse geographic backgrounds, with a significant representation from the Northeast but also a growing national and international presence. The ideal Holy Cross student is someone who thrives in a challenging academic environment, values a strong sense of community, and is committed to personal growth and service to others.

Holy Cross offers a vibrant, close-knit campus community deeply rooted in its Jesuit tradition. The 'Cross' is known for its engaged student body, where academic pursuits and extracurricular involvement go hand-in-hand. Social life often revolves around campus events, student organizations, and the intimate setting of Worcester. While there isn't a sprawling Greek life presence, the 10-15% of students involved in fraternities and sororities contribute to the social fabric. Housing is guaranteed for all four years, a significant perk that fosters a strong sense of community. Freshmen typically reside in traditional dorms like Hanselman or Figge, while upperclassmen can opt for suites, apartments, or even houses off-campus, though most choose to stay on the Hill. The dining halls, particularly the main dining facility in the Hogan Campus Center, offer a variety of options, with late-night dining being a popular staple. Student organizations are abundant, covering everything from academic clubs and religious groups to arts ensembles and outdoor adventure clubs like the Holy Cross Outing Club. Athletics are a significant part of campus identity, with the Crusaders competing in the Patriot League at the Division I level. The 'vibe' is one of intellectual curiosity, community service, and a strong sense of belonging, all set against the backdrop of a beautiful, historic campus overlooking the city of Worcester.

Campus Highlights

  • The stunning Mount Saint James campus, offering panoramic views of Worcester.
  • Guaranteed housing for all four years, fostering a strong residential community.
  • The Montserrat Program, a unique first-year experience designed to build intellectual community.
  • A strong emphasis on undergraduate research and faculty mentorship.
  • A vibrant student body actively engaged in community service and social justice initiatives.
  • The historic Fenwick Hall, a landmark building housing administrative offices and student spaces.
  • A robust Division I athletics program competing in the Patriot League.

Location & Regional Advantages

The College of the Holy Cross's location in Worcester, Massachusetts, offers a balanced blend of regional advantages and proximity to major economic hubs. Worcester itself is a growing city with a developing job market, particularly in healthcare, biotechnology, and advanced manufacturing, providing local internship and entry-level opportunities. While not as dynamic as Boston, it offers a significantly lower cost of living than the capital, making student life and post-graduation living more affordable.

The true geographic advantage lies in Holy Cross's strategic position within New England. It is approximately an hour's drive from Boston, a global center for finance, technology, biotechnology, and higher education. This proximity allows students to easily access internships, networking events, and job opportunities in a highly competitive and diverse market. The college actively leverages this connection, with many students commuting to Boston for internships or moving there after graduation.

Worcester offers a good quality of life with a vibrant cultural scene, numerous parks, and a strong sense of community. It is generally considered a safe city, with a lower crime rate than many larger metropolitan areas. The weather is typical New England, with four distinct seasons, including cold, snowy winters and warm, humid summers. This location provides students with access to the resources and opportunities of a major city while benefiting from a more manageable and affordable college town environment. The strong alumni presence in the Boston area further enhances career prospects for graduates seeking to establish themselves in the region.

How to Get Into College of the Holy Cross

Gaining admission to Holy Cross, with its highly selective 17.6% acceptance rate, requires a strong academic record and a demonstrated commitment to the College's values. While Holy Cross does not offer Early Decision or Early Action, submitting your application well before the Regular Decision deadline (typically January 15th) is advisable to ensure full consideration. The admissions committee looks for students who excel academically, typically with a GPA in the top 10-15% of their high school class, though specific GPA ranges are not published. Strong performance in challenging coursework, such as AP or IB classes, is highly valued. Essays are crucial for understanding your voice and fit; focus on topics that reveal your intellectual curiosity, your engagement with your community, and how you align with Holy Cross's Jesuit mission of service and leadership. Demonstrated interest is considered, so attending virtual or in-person information sessions, connecting with admissions counselors, and visiting campus (if possible) can positively impact your application. Letters of recommendation from teachers who know you well and can speak to your academic potential and character are also very important.

How College of the Holy Cross Compares to Similar Schools

Similar schools: Boston College, Villanova University, Georgetown University, University of Notre Dame

Advantages

  • Stronger emphasis on traditional liberal arts curriculum compared to some larger universities.
  • More intimate class sizes and direct faculty interaction.
  • Highly dedicated and engaged alumni network, particularly strong in finance and consulting.

Disadvantages

  • Higher sticker price compared to some public university alternatives.
  • Less diverse range of academic programs compared to larger research universities.
  • Location in Worcester offers fewer immediate big-city internship opportunities than Boston or D.C. based peers.

Best For

  • Prospective students should consider the high tuition costs and limited financial aid options.
  • Students interested in large class sizes or diverse cultural backgrounds may find other institutions more suitable.

Avoid If

  • Students seeking a more affordable education with similar outcomes may want to consider other options.
  • Students looking for a larger student body or more diverse cultural experiences might prefer other institutions.

Frequently Asked Questions about College of the Holy Cross

How much does it cost to attend College of the Holy Cross?

In-state tuition at College of the Holy Cross is $64,500 per year, and out-of-state tuition is $64,500 per year. The median student debt at graduation is $27,000.

What is the acceptance rate at College of the Holy Cross?

College of the Holy Cross has an acceptance rate of 17.6%.

What is the graduation rate at College of the Holy Cross?

College of the Holy Cross has a graduation rate of 88.4%.

How much do College of the Holy Cross graduates earn?

The median earnings for College of the Holy Cross graduates 10 years after enrollment is $90,543. With median debt of $27,000, graduates earn roughly 3.4x their debt level annually.

How big is College of the Holy Cross?

College of the Holy Cross has approximately 3,106 students and is classified as a medium institution. It is located in Worcester, MA and is a Private Nonprofit institution.

Is College of the Holy Cross worth the cost?

College of the Holy Cross has an ROI score of -65 out of 100. With in-state tuition of $64,500 per year and median post-graduation earnings of $90,543, the data suggests the return on investment may be below average.

Where is College of the Holy Cross located?

College of the Holy Cross is located in Worcester, MA. It is a Private Nonprofit institution with approximately 3,106 students.

How much student debt do College of the Holy Cross graduates have?

The median student debt for College of the Holy Cross graduates is $27,000. With median earnings of $90,543 ten years after enrollment, graduates can expect a debt-to-income ratio of 30%.

Is College of the Holy Cross a good college?

College of the Holy Cross has a graduation rate of 88.4% and median post-graduation earnings of $90,543. Highly selective with a low admission rate of 17.61%.

How does College of the Holy Cross compare to similar colleges?

Graduates earn a median salary of $90,543 after 10 years. Compared to peer institutions, College of the Holy Cross offers a strong liberal arts education with high earning potential, but at a high cost.

What career prospects do College of the Holy Cross graduates have?

Graduates of College of the Holy Cross are well-prepared for careers in a variety of fields, particularly those requiring strong analytical and communication skills.

What should prospective students know about College of the Holy Cross?

College of the Holy Cross holds a competitive position in the market for private liberal arts colleges, offering a high-quality education with strong career outcomes.

What makes College of the Holy Cross stand out?

Student body is predominantly white with a small percentage of Asian students.

What are the pros and cons of attending College of the Holy Cross?

Tuition is high at $64,500 per year, both in-state and out-of-state.

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