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Concordia University-Saint Paul

Saint Paul, MN 55104-5494 — Private Nonprofit

Value Score: 75/100 | ROI Score: -42 | Affordability Score: 75/100

Tuition (In-State): $25,600 | Out-of-State: $25,600

Acceptance Rate: 78.9% | Graduation Rate: 52.3% | Retention Rate: 67.4%

Median Earnings (10yr): $59,871 | Median Debt: $17,832

Student Body Size: 3,018 (medium)

Pell Grant Recipients: 35.2% | Federal Loan Rate: 52.5%

Average Faculty Salary: $7,654/month

Tuition & Affordability Analysis

In-state tuition at Concordia University-Saint Paul is $25,600 per year, which is 35% below the national average for private institutions.

Out-of-state students pay $25,600/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: $102,400 (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 Concordia University-Saint Paul:

  • Families earning $0–$30,000: $16,406/year
  • Families earning $30,001–$48,000: $16,794/year
  • Families earning $48,001–$75,000: $16,826/year
  • Families earning $75,001–$110,000: $19,135/year
  • Families earning $110,000+: $23,295/year

Low-income families receive an average discount of $9,194/year, paying just 64% of the sticker price.

Admissions Snapshot

Concordia University-Saint Paul has an acceptance rate of 78.9%, placing it in the Less Selective (70–85%) category. This means roughly 957 students apply each year.

Graduate Outcomes & Return on Investment

52.3% of students at Concordia University-Saint Paul complete their degree, 16% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 67.4% (17% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Concordia University-Saint Paul earn a median salary of $59,871 ten years after enrollment, 46% above the national average. This represents a $24,871/year earnings premium over the average high school diploma holder, or $746,130 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $17,832, 17% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $194/month, with a total repayment of $23,280 (including $5,448 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 Concordia University-Saint Paul pays for itself in approximately 5 years. This is an excellent return on investment.

Financial Aid Profile

35.2% of students at Concordia University-Saint Paul receive Pell Grants (federal need-based aid for families earning under ~$60,000), 7% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

52.5% of students take federal loans, 12% above the national average. This is a moderate borrowing rate.

Average faculty salary: $7,654/month, 12% 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-Saint Paul enrolls 3,018 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 71/100 (higher = more diverse). Concordia University-Saint Paul has a highly diverse student body with strong representation across multiple racial and ethnic groups.

Student body composition: White 46%, Hispanic 12%, Black 22%, Asian 12%.

Concordia University-Saint Paul: A Medium-Sized Private Nonprofit with Strong Academic Programs and Affordable Tuition

Report Card: Overall Grade C

Concordia University-Saint Paul receives an overall grade of C based on six dimensions:

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

College Analysis

Concordia University-Saint Paul is a Private Nonprofit institution in Saint Paul, MN with approximately 3,018 students. Academics: Concordia University-Saint Paul has a strong focus on Christian values and offers a variety of programs including business, education, and health sciences. Value: The university offers a relatively affordable tuition compared to its peers, with an affordability score of 75. Outcomes: Graduates have a median earnings of $59,871 after 10 years, which is above the national average for similar institutions.

The Verdict: Is Concordia University-Saint Paul Worth It?

Concordia University-Saint Paul presents a complex value proposition. With an in-state and out-of-state tuition of $25,600 and a median 10-year earnings of $59,871, the initial financial picture appears somewhat strained. The median debt of $17,832 is relatively modest, which is a positive factor. However, the ROI score of -42 suggests that, on average, graduates do not recoup their investment quickly compared to the national benchmark. The earnings are approximately 2.3 times the tuition cost, which is not a strong multiplier. A rough debt payoff timeline, considering a portion of the median debt and a reasonable portion of income, might extend to 5-7 years, depending on individual circumstances and career trajectory. While the university offers a solid education and a supportive environment, the financial return on investment is a significant concern. It is not a clear 'hidden gem' nor is it prohibitively overpriced for everyone, but prospective students must carefully weigh the cost against potential career earnings, particularly if they do not secure high-paying roles immediately after graduation. The value is likely higher for students who leverage career services effectively, secure internships leading to well-compensated jobs, or pursue fields with higher earning potential within the Twin Cities market.

Return on Investment

While the degree is affordable, the return on investment is negative, suggesting that the cost may not be fully justified by the earnings potential.

Debt Reality Check

Median student debt at Concordia University-Saint Paul: $17,832. Monthly payment on a standard 10-year plan: $202/month. Total repaid: $24,240 ($6,408 in interest).

Breakeven vs high school diploma: 0.6 years. Debt burden: Low. Salary needed for comfortable repayment: $24,240.

Strengths

  • Strong Christian values and academic programs
  • Affordable tuition
  • Above-average graduation rate

Weaknesses

  • Lower research opportunities compared to larger institutions
  • Limited extracurricular activities for larger student bodies

Academic Profile

Retention Rate: 67.4%.

Concordia University, Saint Paul (CSP) distinguishes itself with a strong commitment to liberal arts education, grounded in its Lutheran tradition, offering a personalized academic experience for its approximately 3,000 students. While the overall admission rate is 78.9%, indicating accessibility, the university fosters academic rigor within its programs. Notable departments include Business, Education, and Health Sciences, which consistently attract a significant number of students. The Business program, for instance, offers specializations in areas like Marketing and Management, preparing students for the Twin Cities' robust job market. The Education department is well-regarded, with strong ties to local school districts for practicum and student teaching placements. Health Sciences programs, such as Exercise Science and Public Health, are also popular, aligning with growing industry demand.

Research opportunities, while perhaps not as extensive as at large research universities, are available, particularly for undergraduates seeking to work closely with faculty. The student-faculty ratio, though not explicitly provided, is generally lower at private institutions like CSP, suggesting more individualized attention. Faculty quality is a cornerstone, with professors often bringing real-world experience into the classroom. Academic support is robust, with the Academic Success Center offering tutoring, writing support, and academic coaching. Honors programs provide advanced students with enriched coursework and research opportunities. CSP also offers study abroad programs, allowing students to broaden their horizons academically and culturally, often through partnerships with other Lutheran institutions or established study abroad providers. The emphasis is on a holistic education, integrating faith, reason, and service across all disciplines.

Financial Aid Guide for Concordia University-Saint Paul

Pell Grant recipients: 35.2%. Students taking federal loans: 52.5%.

Navigating financial aid at Concordia University, Saint Paul (CSP) involves understanding both merit-based and need-based aid opportunities. As a private institution, CSP offers a range of scholarships and grants designed to make its education accessible. Merit scholarships are often awarded automatically based on academic achievement (GPA and, if submitted, test scores) at the time of admission. While specific dollar figures for these vary annually, they can significantly reduce the sticker price of $25,600 tuition. It's crucial for prospective students to check the admissions website for the most current scholarship ranges and criteria.

Need-based aid is determined by the Free Application for Federal Student Aid (FAFSA). CSP utilizes this information to award federal grants (like Pell Grants, if eligible), state grants (Minnesota residents), and institutional grants. A typical aid package for a student with moderate financial need might combine federal loans, state grants, and institutional grants, aiming to bridge the gap between the cost of attendance and the family's expected contribution. For students demonstrating higher financial need, the package might include more grant aid and potentially federal work-study opportunities, which provide part-time employment on campus.

Scholarship tips for CSP applicants include applying early, as some scholarships are first-come, first-served. High school seniors should also explore external scholarships from community organizations, religious affiliations, and professional associations, as CSP permits students to stack these awards. While CSP is generally considered to be more need-aware than need-blind, they are committed to helping students find ways to afford their education. Negotiating financial aid is possible, particularly if you have a competing offer from a similarly ranked institution or if there has been a significant change in your family's financial circumstances. Be prepared to present documentation to support your request. It's advisable to contact the Financial Aid Office directly to discuss your specific situation and explore all available options to maximize your aid package.

Hidden Costs at Concordia University-Saint Paul

  • Room and board costs can add an estimated $10,000 - $13,000 per academic year, depending on the chosen meal plan and housing assignment.
  • Textbooks and course materials can range from $800 to $1,200 annually, varying significantly by major and course requirements.
  • Student activity fees, technology fees, and other miscellaneous campus fees can total approximately $500 - $800 per year.
  • Transportation costs, including potential parking permits (estimated $100-$300 annually) and personal travel, can add $500 - $1,500 per year.
  • Personal expenses such as toiletries, laundry, entertainment, and snacks can easily amount to $1,000 - $2,000 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-Saint Paul (CSP) graduates enter a diverse job market, with alumni finding opportunities across various sectors. While specific major employer data is not publicly detailed, graduates often leverage the university's strong ties within the Twin Cities metropolitan area. Key industries that frequently hire CSP alumni include healthcare, education, business services, and technology. Major healthcare systems in the region such as Allina Health, Fairview Health Services, and HealthPartners are significant employers for graduates in nursing, health sciences, and related fields. The education sector also absorbs many alumni, with positions in K-12 school districts across Minnesota and within higher education institutions. Business and finance roles are common, with companies like Thrivent Financial, Ecolab, and 3M often seeking talent from CSP. Technology firms, particularly those focused on software development and IT services, also represent a growing area for alumni employment. Graduate school placement rates are not explicitly published, but the university supports students pursuing advanced degrees in fields like counseling, education leadership, and business. Notable alumni include individuals who have made significant contributions in their respective fields, though specific high-profile names are not widely publicized. CSP's career services are generally well-regarded for their personalized approach, offering resume workshops, interview coaching, and career fairs. The university emphasizes internship opportunities, with students often securing placements at local businesses and organizations, creating valuable pipelines into full-time employment. Geographic hiring patterns show a strong concentration of alumni within the Minneapolis-Saint Paul metropolitan area, reflecting the university's regional focus and the robust local economy. Some graduates also find positions in surrounding Midwestern states.

Campus Life & Culture at Concordia University-Saint Paul

Concordia University, Saint Paul serves a diverse student body, with a significant portion coming from Minnesota and surrounding Midwestern states, though students from across the country and internationally also attend. The university fosters an inclusive environment that welcomes students from various backgrounds, united by a shared interest in a liberal arts education with a Christian foundation. Students who thrive here are typically engaged, community-oriented, and appreciate a supportive academic setting where faculty are accessible.

Concordia University, Saint Paul (CSP) offers a vibrant campus life deeply rooted in its Lutheran heritage, fostering a close-knit community atmosphere. While not a sprawling university, CSP punches above its weight in student engagement. The campus itself is situated in the Highland Park neighborhood of Saint Paul, offering students easy access to the amenities of a major city while maintaining a distinct collegiate feel. The 'vibe' here is often described as friendly, supportive, and academically focused, with a strong emphasis on service and community involvement.

Student organizations are plentiful, covering a wide range of interests from academic clubs like the History Club and the Biology Club to cultural groups and service-oriented organizations such as Campus Ministry and the Student Activities Council. These groups are the lifeblood of campus social life, organizing events, speakers, and outings. While Greek life is not a prominent feature at CSP, the absence is filled by these diverse student organizations and campus-wide events.

Athletics play a significant role, with the Golden Bears competing in NCAA Division II. Popular sports include football, basketball, volleyball, and baseball, drawing enthusiastic crowds to games and fostering a sense of school spirit. The Gangelhoff Center is a hub for athletic and campus events.

Housing is primarily on-campus for freshmen, with options like Murphy Hall and Meyer Hall providing a traditional residence hall experience. Upperclassmen often move to apartments off-campus, taking advantage of the surrounding Saint Paul neighborhoods. Dining services are centered around the cafeterias in the Buetow Memorial Library and the Student Center, offering standard meal plan options. A key tradition is the annual "Homecoming" celebration, which brings alumni back to campus for a weekend of events, games, and reconnecting. The overall student experience at CSP is one of engaged learning within a supportive, faith-informed community.

Campus Highlights

  • Strong Lutheran heritage providing a faith-informed educational experience.
  • Close-knit campus community fostering supportive relationships among students and faculty.
  • Located in the vibrant Highland Park neighborhood of Saint Paul, offering urban amenities and access.
  • Active NCAA Division II athletics program with the Golden Bears.
  • Emphasis on service-learning and community engagement integrated into the curriculum.
  • Dedicated Academic Success Center providing comprehensive student support.
  • A variety of student organizations catering to diverse interests, ensuring active campus life.

Location & Regional Advantages

Concordia University-Saint Paul's location in Saint Paul, Minnesota, offers a compelling blend of urban advantages and Midwestern charm. The Twin Cities metropolitan area boasts a dynamic and diverse job market, consistently ranking among the best for job growth and economic opportunity in the Midwest. Major industries thriving in the region include healthcare, technology, finance, manufacturing, and retail, providing a wide array of career paths for CSP graduates. Companies like Target, Best Buy, UnitedHealth Group, and 3M have headquarters or significant operations here, creating a strong demand for skilled professionals. The cost of living in Saint Paul is generally more affordable than in coastal tech hubs, allowing graduates to manage student debt more effectively. While housing costs have risen, they remain competitive compared to national averages. The quality of life in the Twin Cities is high, characterized by abundant green spaces, a vibrant arts and culture scene, excellent public parks, and a strong sense of community. The region offers four distinct seasons, with warm summers and snowy winters, appealing to those who enjoy outdoor activities year-round. Safety in Saint Paul is comparable to other mid-sized American cities, with varying neighborhood safety levels. Proximity to industry hubs is excellent; the university is situated within a major metropolitan area that serves as a center for innovation and business in the Upper Midwest. This geographic advantage facilitates internship opportunities, networking events, and direct recruitment pipelines for CSP students, significantly enhancing their post-graduation career prospects within the region.

How to Get Into Concordia University-Saint Paul

Applying to Concordia University, Saint Paul (CSP) involves presenting a well-rounded application that highlights academic potential and a commitment to the university's values. With an admission rate of 78.9%, CSP is selective but accessible, meaning a strong academic record is important, but not the sole determinant. The admissions committee looks for students who will thrive in their supportive, faith-informed environment. While SAT/ACT scores are not a primary focus (indicated by N/A data), if submitted, they should align with the general academic profile of admitted students. Focus on maintaining a strong GPA throughout high school, particularly in core academic subjects.

Demonstrated interest can be a factor; therefore, engaging with the university is key. This includes attending virtual or in-person information sessions, visiting campus if possible, and connecting with admissions counselors. These actions show genuine enthusiasm for CSP. The application typically requires a personal essay. Choose a topic that allows you to showcase your personality, values, and experiences, perhaps reflecting on your faith, community involvement, or academic aspirations. Essays that connect your goals to CSP's mission and programs tend to resonate well.

There is no Early Decision (ED) or Early Action (EA) mentioned, suggesting a standard application timeline. Therefore, aim to submit your application well before the priority deadline, typically in late winter or early spring (e.g., March 1st or April 1st), to ensure full consideration for both admission and scholarships. Ensure all recommendation letters, transcripts, and essays are submitted promptly. CSP values students who are not only academically capable but also community-minded and eager to contribute to the campus culture.

How Concordia University-Saint Paul Compares to Similar Schools

Similar schools: Augsburg University, Hamline University, Macalester College, University of St. Thomas

Advantages

  • More accessible admission rate compared to some highly selective peers.
  • Stronger emphasis on career services and personalized student support.
  • Potentially more affordable tuition compared to some private institutions in the region.

Disadvantages

  • Lower median earnings compared to some more established or selective peers.
  • Lower graduation rate suggests potential challenges with student retention or program completion.
  • Less national brand recognition compared to larger or more prestigious institutions.

Best For

  • Students interested in a strong Christian education and a variety of academic programs should consider Concordia University-Saint Paul.
  • The university's focus on Christian values may not be suitable for students seeking a more secular educational experience.

Avoid If

  • Students looking for a more research-intensive environment may find Concordia University-Saint Paul less suitable.
  • Those seeking a larger campus with more extracurricular activities might prefer larger institutions.

Frequently Asked Questions about Concordia University-Saint Paul

How much does it cost to attend Concordia University-Saint Paul?

In-state tuition at Concordia University-Saint Paul is $25,600 per year, and out-of-state tuition is $25,600 per year. The median student debt at graduation is $17,832.

What is the acceptance rate at Concordia University-Saint Paul?

Concordia University-Saint Paul has an acceptance rate of 78.9%.

What is the graduation rate at Concordia University-Saint Paul?

Concordia University-Saint Paul has a graduation rate of 52.3%.

How much do Concordia University-Saint Paul graduates earn?

The median earnings for Concordia University-Saint Paul graduates 10 years after enrollment is $59,871. With median debt of $17,832, graduates earn roughly 3.4x their debt level annually.

How big is Concordia University-Saint Paul?

Concordia University-Saint Paul has approximately 3,018 students and is classified as a medium institution. It is located in Saint Paul, MN and is a Private Nonprofit institution.

Is Concordia University-Saint Paul worth the cost?

Concordia University-Saint Paul has an ROI score of -42 out of 100. With in-state tuition of $25,600 per year and median post-graduation earnings of $59,871, the data suggests the return on investment may be below average.

Where is Concordia University-Saint Paul located?

Concordia University-Saint Paul is located in Saint Paul, MN. It is a Private Nonprofit institution with approximately 3,018 students.

How much student debt do Concordia University-Saint Paul graduates have?

The median student debt for Concordia University-Saint Paul graduates is $17,832. With median earnings of $59,871 ten years after enrollment, graduates can expect a debt-to-income ratio of 30%.

Is Concordia University-Saint Paul a good college?

Concordia University-Saint Paul has a graduation rate of 52.3% and median post-graduation earnings of $59,871. The university has a diverse student body with a significant Hispanic population.

How does Concordia University-Saint Paul compare to similar colleges?

The admission rate is above average, indicating a competitive but accessible institution. Compared to peer institutions, Concordia University-Saint Paul offers a more affordable tuition and a strong focus on Christian values, making it a competitive choice for students seeking a balanced education and career prospects.

What career prospects do Concordia University-Saint Paul graduates have?

Graduates of Concordia University-Saint Paul are well-prepared for careers in various fields, particularly in business, education, and health sciences, due to the university's strong academic programs and Christian values.

What should prospective students know about Concordia University-Saint Paul?

Concordia University-Saint Paul is well-positioned in the market as a medium-sized private nonprofit with a strong focus on Christian values and affordable tuition, making it a competitive choice for students in the Midwest.

What makes Concordia University-Saint Paul stand out?

The median debt upon graduation is below the national average for private institutions.

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

The university's location in Saint Paul offers students access to a vibrant city with numerous job opportunities.

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