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Concordia University-Chicago

River Forest, IL 60305-1499 — Private Nonprofit

Value Score: 65/100 | ROI Score: -64 | Affordability Score: 55/100

Tuition (In-State): $37,488 | Out-of-State: $37,488

Acceptance Rate: 92.8% | Graduation Rate: 41.4% | Retention Rate: 60.5%

Median Earnings (10yr): $54,089 | Median Debt: $23,000

Student Body Size: 1,323 (small)

Pell Grant Recipients: 45.7% | Federal Loan Rate: 56.9%

Average Faculty Salary: $6,759/month

Tuition & Affordability Analysis

In-state tuition at Concordia University-Chicago is $37,488 per year, which is 5% below the national average for private institutions.

Out-of-state students pay $37,488/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: $149,952 (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 Concordia University-Chicago:

  • Families earning $0–$30,000: $16,795/year
  • Families earning $30,001–$48,000: $16,397/year
  • Families earning $48,001–$75,000: $15,768/year
  • Families earning $75,001–$110,000: $20,046/year
  • Families earning $110,000+: $23,907/year

Low-income families receive an average discount of $20,693/year, paying just 45% of the sticker price.

Admissions Snapshot

Concordia University-Chicago has an acceptance rate of 92.8%, placing it in the Open Admission (85%+) category. This means roughly 356 students apply each year.

Concordia University-Chicago accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

Graduate Outcomes & Return on Investment

41.4% of students at Concordia University-Chicago complete their degree, 33% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 60.5% (25% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Concordia University-Chicago earn a median salary of $54,089 ten years after enrollment, 32% above the national average. This represents a $19,089/year earnings premium over the average high school diploma holder, or $572,670 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $23,000, 7% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $250/month, with a total repayment of $30,000 (including $7,000 in interest).

Debt-to-Earnings Ratio: 0.43x. 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 Concordia University-Chicago pays for itself in approximately 8 years. This is a reasonable investment timeline.

Financial Aid Profile

45.7% of students at Concordia University-Chicago receive Pell Grants (federal need-based aid for families earning under ~$60,000), 38% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

56.9% of students take federal loans, 21% above the national average. This is a moderate borrowing rate.

Average faculty salary: $6,759/month, 23% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Concordia University-Chicago enrolls 1,323 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 68/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 40%, Hispanic 38%, Black 13%, Asian 2%.

Concordia University-Chicago: A Selective, Affordable Institution with Strong Earnings Potential

Report Card: Overall Grade D+

Concordia University-Chicago receives an overall grade of D+ based on six dimensions:

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

College Analysis

Concordia University-Chicago is a Private Nonprofit institution in River Forest, IL with approximately 1,323 students. Academics: Concordia University-Chicago has a high admission rate, indicating strong selectivity and a welcoming environment for students. Value: The university offers a relatively low tuition rate for both in-state and out-of-state students, making it more affordable compared to many peer institutions. Outcomes: Graduates have a median earnings of $54,089 after 10 years, which is above the national average for similar institutions.

The Verdict: Is Concordia University-Chicago Worth It?

Concordia University-Chicago presents a challenging value proposition. With an in-state and out-of-state tuition of $37,488 and a median 10-year earnings of $54,089, the initial cost is substantial relative to post-graduation income. The median debt of $23,000, while not excessively high, adds to the financial burden. The ROI score of -64 strongly suggests that, on average, graduates do not recoup their investment quickly, and may struggle to do so within a typical timeframe. The earnings are significantly lower than the cost of attendance, and the debt payoff timeline, even with diligent saving, would likely extend beyond the typical 5-10 years. While the university offers a private education experience, the financial return on investment is a significant concern. It is not a hidden gem, nor is it a straightforwardly good deal. For students who can secure substantial scholarships or grants, or who are pursuing specific high-demand fields not reflected in the median earnings, the value might increase. However, based on the provided data, Concordia University-Chicago appears to be overpriced for the average graduate's financial outcomes. A clear recommendation is to approach with caution, prioritize financial aid, and thoroughly research specific program outcomes.

Return on Investment

While the degree is affordable, the ROI score is negative, suggesting that the cost may not be fully justified by the earnings potential.

Debt Reality Check

Median student debt at Concordia University-Chicago: $23,000. Monthly payment on a standard 10-year plan: $261/month. Total repaid: $31,320 ($8,320 in interest).

Breakeven vs high school diploma: 1 years. Debt burden: Manageable. Salary needed for comfortable repayment: $31,320.

Strengths

  • Strong selectivity and high graduation rate.
  • Affordable tuition rates.
  • Good career outcomes for graduates.

Weaknesses

  • Low financial aid offerings.
  • Limited extracurricular activities due to small size.
  • Moderate ROI score indicating potential for better financial returns.

Academic Profile

Retention Rate: 60.5%.

Concordia University Chicago's academic profile is characterized by its commitment to liberal arts education, grounded in a Lutheran tradition, with particular strengths in teacher education and music. The College of Education is a cornerstone, preparing a significant number of educators for schools nationwide, known for its practical, hands-on approach and strong clinical placements. The Music Department is also highly regarded, offering rigorous programs in performance, composition, and music education, often leveraging the university's excellent facilities and faculty expertise. While specific faculty salary data isn't provided, the relatively small student-to-faculty ratio (implied by the total student count and typical faculty sizes for private institutions of this nature) suggests opportunities for personalized attention and mentorship. Research opportunities, while perhaps not as extensive as at large research universities, are available, particularly for undergraduates looking to engage with faculty on specific projects, often within their major departments. The university offers an Honors Program designed for academically gifted students, providing enriched coursework and a supportive cohort experience. Study abroad programs are available, allowing students to broaden their perspectives and gain international experience, often integrated into their academic coursework. Academic support resources are robust, including tutoring services, writing centers, and academic advising, all aimed at ensuring student success and retention.

Financial Aid Guide for Concordia University-Chicago

Pell Grant recipients: 45.7%. Students taking federal loans: 56.9%.

Navigating financial aid at Concordia University Chicago (CUC) involves understanding both merit-based and need-based aid opportunities. CUC offers a range of scholarships, many of which are merit-based, awarded upon admission based on academic achievement (GPA, coursework). These can range from a few thousand dollars to a significant portion of tuition, especially for students with strong academic profiles. For instance, incoming freshmen might receive merit scholarships starting around $15,000-$20,000 annually, with higher awards for exceptional candidates. Need-based aid, determined by the FAFSA, is also crucial. Federal Pell Grants, state grants (if applicable), and CUC's own institutional grants are awarded based on demonstrated financial need. Work-study opportunities are available, providing students with part-time jobs on campus to help cover living expenses. Typical aid packages for students from lower-income families (e.g., under $50,000 Adjusted Gross Income) might combine federal grants, state aid, institutional grants, and potentially work-study, aiming to significantly reduce the out-of-pocket cost. For middle-income families, merit scholarships often play a larger role, supplemented by federal loans and potentially some institutional aid. Scholarship tips include applying early, highlighting extracurricular achievements and leadership roles, and seeking out departmental scholarships. Negotiating aid at CUC is generally less common than at highly selective institutions, as their aid structure is often formulaic. However, if you have a significantly better offer from a comparable institution or a documented change in financial circumstances, a polite inquiry to the financial aid office might yield results, though it's not guaranteed.

Hidden Costs at Concordia University-Chicago

  • Room and board costs can add an estimated $10,000 - $14,000 per academic year, depending on the chosen meal plan and housing type.
  • Textbooks and course materials can easily cost $1,000 - $1,500 annually, with some specialized courses requiring more expensive resources.
  • Student activity fees, technology fees, and other miscellaneous campus fees can total around $500 - $1,000 per year.
  • Transportation costs, especially for students commuting from further distances or frequently visiting Chicago, can range from $300 - $1,000+ annually.
  • Parking permits for students living on or commuting to campus can cost $100 - $300 per academic year.
  • Personal expenses, including toiletries, laundry, entertainment, and snacks, can add $1,500 - $3,000+ per year.
  • Health insurance, if not covered by a parent's plan, can cost upwards of $2,000 - $3,000 annually through the university's plan.

Alumni Outcomes & Career Paths

Concordia University-Chicago (CUC) graduates enter a diverse job market, though specific employer recruitment data and detailed alumni clustering are not widely publicized. However, given its location in the greater Chicago area, alumni are likely to find opportunities in sectors prevalent in the region. These often include education, healthcare, finance, and various service industries. Major healthcare systems like Northwestern Medicine and Advocate Aurora Health, as well as financial institutions such as BMO Harris Bank and Northern Trust, are significant employers in Chicago and could be potential destinations for CUC graduates. The education sector, a traditional strength for many smaller private universities, likely sees alumni placed in local school districts and private schools. While specific graduate school placement rates are not readily available, CUC's programs in education and business may prepare students for further study in those fields. Career services at CUC aim to support students through resume building, interview preparation, and internship placement. The university's proximity to Chicago offers a robust internship pipeline, with opportunities likely available at companies and organizations across the metropolitan area. Geographic hiring patterns for CUC alumni tend to concentrate within Illinois, particularly the Chicago metropolitan area, due to the university's location and the strong regional job market. Some alumni may also find opportunities in neighboring states like Wisconsin and Indiana, especially in fields like education and healthcare where regional demand is consistent.

Campus Life & Culture at Concordia University-Chicago

Concordia University Chicago serves a diverse student body, with a significant portion identifying as first-generation college students and representing various racial and ethnic backgrounds. The university attracts students from across the country and internationally, creating a rich tapestry of perspectives. Students who thrive here are typically those who appreciate a supportive, community-oriented environment with a strong academic focus and a desire to engage with their faith and service.

Concordia University Chicago (CUC), nestled in the charming suburb of River Forest, Illinois, offers a close-knit campus community with a distinct Lutheran heritage that permeates its culture. The 'vibe' here is often described as friendly, supportive, and academically focused, with a strong emphasis on service and community engagement. With a student body of just over 1,300, CUC fosters an environment where students can easily connect with peers and faculty. Residential life is a significant part of the CUC experience, with several on-campus housing options available for freshmen and upperclassmen, including traditional dorms and apartment-style living. The dining hall, often referred to as 'The Caf,' serves as a central hub for students to gather and refuel. Student organizations are plentiful, ranging from academic clubs and cultural groups to spiritual life ministries and intramural sports teams. While CUC doesn't have a traditional Greek life system, its Greek letters are famously used by the campus radio station, WLCU, which is student-run and a popular extracurricular. Athletics are an important component of campus life, with the Cougars competing in NCAA Division III, offering opportunities for student-athletes across various sports. Campus traditions include the annual 'Homecoming' celebration, 'Spring Sing' (a musical showcase), and various Advent and Lenten services that reflect the university's religious affiliation. The proximity to Chicago offers students ample opportunities for internships, cultural experiences, and entertainment, balancing the tranquility of River Forest with the excitement of the big city.

Campus Highlights

  • Strong Lutheran heritage fostering a values-centered community.
  • Renowned College of Education, a leader in preparing teachers.
  • Highly respected Music Department with excellent performance opportunities.
  • Close-knit campus environment conducive to strong student-faculty relationships.
  • Proximity to Chicago offering urban internship and cultural experiences.
  • Active student life with numerous organizations and NCAA Division III athletics.
  • Beautiful, tree-lined campus in the historic suburb of River Forest.

Location & Regional Advantages

Concordia University-Chicago's location in River Forest, Illinois, offers a unique blend of suburban tranquility and urban accessibility. River Forest itself boasts a high quality of life with tree-lined streets and a strong sense of community, while being just a short commute from the bustling job market of Chicago. The cost of living in River Forest is generally higher than the national average, particularly for housing, but it is often more affordable than living directly within Chicago's core. This proximity to Chicago is a significant advantage, placing students within reach of a major economic hub with a diverse array of industries. Chicago is a national center for finance, technology, healthcare, manufacturing, and education, providing a vast landscape of potential employers and internship opportunities. The city offers a rich cultural scene, diverse neighborhoods, and a robust public transportation system, contributing to a high quality of life for students and graduates. While the Midwest weather includes cold winters, the vibrant year-round activity in Chicago mitigates this. Safety in River Forest is generally good, and Chicago, like any major city, has areas with varying safety levels, but the university's suburban setting offers a more controlled environment. This location provides a strong foundation for career opportunities post-graduation, allowing students to leverage both the university's network and the extensive resources of the greater Chicago metropolitan area.

How to Get Into Concordia University-Chicago

Applying to Concordia University Chicago (CUC) is a straightforward process, given its open admission rate of 92.8%, suggesting a focus on access and opportunity rather than high selectivity. The admissions office primarily looks for students who demonstrate a commitment to academic success and align with the university's mission and values. While SAT/ACT scores are not a primary factor (indicated by N/A data), a solid high school GPA and a rigorous course load are still important indicators of readiness. The admissions committee will review your transcript to assess your academic performance. Essays, if required or optional, should focus on personal growth, experiences that have shaped your perspective, or how you plan to contribute to the CUC community. Demonstrated interest isn't a heavily weighted factor due to the admission rate, but engaging with the university through campus visits (virtual or in-person), attending information sessions, and connecting with admissions counselors can still be beneficial. The timeline recommendation is to apply early in your senior year, ideally by December or January, to ensure ample time for financial aid processing and scholarship consideration. Given the admission rate, the primary strategy is to ensure you meet the basic academic requirements and clearly articulate your desire to attend CUC and how you'll thrive in its environment.

How Concordia University-Chicago Compares to Similar Schools

Similar schools: Augustana College (Rock Island, IL), Elmhurst University (Elmhurst, IL), North Central College (Naperville, IL), Wheaton College (Wheaton, IL)

Advantages

  • Proximity to the major employment hub of Chicago, offering more diverse internship and job opportunities compared to more geographically isolated peers.
  • A slightly larger student body might translate to a broader range of student organizations and academic programs.
  • As a Lutheran-affiliated institution, it may appeal to students seeking a specific religious or cultural environment.

Disadvantages

  • Lower graduation rate (41.4%) compared to many of its peers, suggesting potential challenges with student retention or program completion.
  • Significantly lower median earnings ($54,089) compared to some peers, indicating a potentially weaker return on investment.
  • Higher tuition cost relative to the median earnings, making the financial value proposition less attractive.

Best For

  • Best for students seeking a faith-based education with a strong emphasis on ministry and service.
  • Best for students interested in fields such as education, social work, and ministry.

Avoid If

  • Avoid if you are looking for a large university with extensive resources and a wide range of extracurricular activities.
  • Avoid if you need a high level of financial aid, as the university's affordability is not reflected in its aid offerings.

Frequently Asked Questions about Concordia University-Chicago

How much does it cost to attend Concordia University-Chicago?

In-state tuition at Concordia University-Chicago is $37,488 per year, and out-of-state tuition is $37,488 per year. The median student debt at graduation is $23,000.

What is the acceptance rate at Concordia University-Chicago?

Concordia University-Chicago has an acceptance rate of 92.8%.

What is the graduation rate at Concordia University-Chicago?

Concordia University-Chicago has a graduation rate of 41.4%.

How much do Concordia University-Chicago graduates earn?

The median earnings for Concordia University-Chicago graduates 10 years after enrollment is $54,089. With median debt of $23,000, graduates earn roughly 2.4x their debt level annually.

How big is Concordia University-Chicago?

Concordia University-Chicago has approximately 1,323 students and is classified as a small institution. It is located in River Forest, IL and is a Private Nonprofit institution.

Is Concordia University-Chicago worth the cost?

Concordia University-Chicago has an ROI score of -64 out of 100. With in-state tuition of $37,488 per year and median post-graduation earnings of $54,089, the data suggests the return on investment may be below average.

Where is Concordia University-Chicago located?

Concordia University-Chicago is located in River Forest, IL. It is a Private Nonprofit institution with approximately 1,323 students.

How much student debt do Concordia University-Chicago graduates have?

The median student debt for Concordia University-Chicago graduates is $23,000. With median earnings of $54,089 ten years after enrollment, graduates can expect a debt-to-income ratio of 43%.

Is Concordia University-Chicago a good college?

Concordia University-Chicago has a graduation rate of 41.4% and median post-graduation earnings of $54,089. High admission rate of 92.79% indicating strong selectivity.

How does Concordia University-Chicago compare to similar colleges?

Low tuition rates of $37,488 for both in-state and out-of-state students. Compared to peer institutions, Concordia University-Chicago offers a more affordable education with strong earning potential.

What career prospects do Concordia University-Chicago graduates have?

Graduates from Concordia University-Chicago are well-positioned for careers in various fields, particularly those interested in education and ministry.

What should prospective students know about Concordia University-Chicago?

Concordia University-Chicago is well-placed in the market for students seeking a private, affordable education with strong career outcomes.

What makes Concordia University-Chicago stand out?

Graduates earn a median salary of $54,089 after 10 years, above the national average.

What are the pros and cons of attending Concordia University-Chicago?

Diverse student body with a significant Hispanic population.

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