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Cottey College

Nevada, MO 64772 — Private Nonprofit

Value Score: 55/100 | ROI Score: -68 | Affordability Score: 55/100

Tuition (In-State): $27,562 | Out-of-State: $27,562

Acceptance Rate: 69.2% | Graduation Rate: 58.7% | Retention Rate: 67.2%

Median Earnings (10yr): $35,422 | Median Debt: $19,043

ACT Midpoint: 22

Student Body Size: 254 (small)

Pell Grant Recipients: 46.2% | Federal Loan Rate: 60.5%

Average Faculty Salary: $5,576/month

Tuition & Affordability Analysis

In-state tuition at Cottey College is $27,562 per year, which is 30% below the national average for private institutions.

Out-of-state students pay $27,562/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: $110,248 (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 Cottey College:

  • Families earning $0–$30,000: $14,093/year
  • Families earning $30,001–$48,000: $10,634/year
  • Families earning $48,001–$75,000: $12,063/year
  • Families earning $75,001–$110,000: $15,732/year
  • Families earning $110,000+: $18,130/year

Low-income families receive an average discount of $13,469/year, paying just 51% of the sticker price.

Admissions Snapshot

Cottey College has an acceptance rate of 69.2%, placing it in the Moderately Selective (50–70%) category.

The ACT midpoint is 22, 5% above the national average.

Graduate Outcomes & Return on Investment

58.7% of students at Cottey College complete their degree, 5% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 67.2% (17% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Cottey College earn a median salary of $35,422 ten years after enrollment, 13% below the national average. This represents a $422/year earnings premium over the average high school diploma holder, or $12,660 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $19,043, 11% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $207/month, with a total repayment of $24,840 (including $5,797 in interest).

Debt-to-Earnings Ratio: 0.54x. This is a healthy ratio, suggesting debt is manageable for most graduates.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from Cottey College pays for itself in approximately 262 years. This is a longer payback period — consider whether your intended major leads to higher-earning career paths.

Financial Aid Profile

46.2% of students at Cottey College receive Pell Grants (federal need-based aid for families earning under ~$60,000), 40% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

60.5% of students take federal loans, 29% 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: $5,576/month, 36% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Cottey College enrolls 254 undergraduate students. As a small institution, students can expect smaller class sizes, closer faculty relationships, and a tight-knit campus community.

Diversity Index: 49/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 70%, Hispanic 13%, Black 7%, Asian 2%.

Cottey College: Small Class Sizes and Personalized Education with Mixed ROI

Report Card: Overall Grade D+

Cottey College receives an overall grade of D+ based on six dimensions:

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

College Analysis

Cottey College is a Private Nonprofit institution in Nevada, MO with approximately 254 students. Cottey College has a strong focus on small class sizes and personalized education, with a graduation rate of 58.66%. The college offers competitive earnings potential with a median 10-year earnings of $35,422, but the ROI is negative. Cottey College has a diverse student body, with a significant proportion of white students and a small but notable Hispanic population.

The Verdict: Is Cottey College Worth It?

Cottey College presents a complex value proposition. With an in-state and out-of-state tuition of $27,562 and median 10-year earnings of $35,422, the immediate financial picture is challenging. The median debt of $19,043, while not excessively high, combined with the relatively modest median earnings, suggests a long road to financial recovery. The ROI score of -68 underscores this concern, indicating that, on average, graduates earn less than the cost of their education over a decade, especially when factoring in living expenses and potential interest on loans. The payoff timeline for the median debt, assuming a significant portion of earnings goes towards repayment, could easily extend beyond 5-7 years, potentially longer given the median earnings. While Cottey offers a unique educational experience, particularly for women, the financial return on investment appears to be a significant hurdle. It is not a clear 'good deal' based on these metrics. It could be considered a 'hidden gem' only if the student highly values the specific educational philosophy and community, and has a clear post-graduation plan that leverages the unique aspects of a Cottey education for a higher-earning career path or graduate study, rather than solely focusing on immediate salary potential. For most students prioritizing financial return, this school appears overpriced.

Return on Investment

Given the negative ROI score and high median debt, the degree from Cottey College may not be worth the cost for many students.

Debt Reality Check

Median student debt at Cottey College: $19,043. Monthly payment on a standard 10-year plan: $216/month. Total repaid: $25,920 ($6,877 in interest).

Breakeven vs high school diploma: 3.5 years. Debt burden: Manageable. Salary needed for comfortable repayment: $25,920.

Strengths

  • Strong focus on small class sizes and personalized education.
  • Diverse student body with representation from various ethnic backgrounds.

Weaknesses

  • Negative ROI score, indicating that the cost may not be justified compared to peer institutions.
  • Graduation rate of 58.66%, which is below the national average.

Academic Profile

ACT Midpoint: 22. Retention Rate: 67.2%.

Cottey College offers a focused academic experience designed to empower women through a liberal arts education. While specific departmental strengths can vary, the college generally excels in providing a strong foundation in humanities, social sciences, and select STEM fields. Programs like Business, Psychology, and English are often popular choices, providing students with versatile skills for future careers or further study. Given the small student body, Cottey boasts an intimate learning environment with a low student-faculty ratio, allowing for personalized attention and mentorship from dedicated faculty. While faculty salary data isn't provided, the commitment to student success is evident in the accessible nature of professors. Research opportunities, though perhaps not on the scale of large research universities, are available, particularly for students who actively seek them out and engage with faculty on projects. The college also emphasizes experiential learning, which can include internships and community engagement. Cottey's honors program provides an enriched academic path for high-achieving students, offering advanced coursework and intellectual challenges. Study abroad opportunities are also encouraged, broadening students' perspectives and global awareness. Academic support is a cornerstone of the Cottey experience, with resources like tutoring services, writing centers, and academic advising readily available to ensure students have the tools they need to succeed. The curriculum is designed to foster critical thinking, communication skills, and leadership potential, preparing graduates for a wide array of post-graduate paths.

Financial Aid Guide for Cottey College

Pell Grant recipients: 46.2%. Students taking federal loans: 60.5%.

Navigating financial aid at Cottey College is a crucial step for prospective students, and the college is committed to making its education accessible. Cottey offers a combination of merit-based aid and need-based aid. Merit scholarships are often awarded based on academic achievement, such as GPA and standardized test scores (though these are not currently reported averages). These scholarships can significantly reduce the out-of-pocket cost of tuition. Need-based aid is determined by a student's demonstrated financial need, assessed through the FAFSA (Free Application for Federal Student Aid). Cottey participates in federal aid programs, including Pell Grants for low-income students and federal student loans. Work-study opportunities may also be available, providing students with part-time employment on campus to help cover educational expenses. For families with an annual income below $30,000, it's reasonable to expect that a substantial portion of tuition, potentially $15,000-$20,000 or more, could be covered through a combination of grants, scholarships, and federal aid. For families in the middle-income bracket, merit scholarships will likely play a larger role in reducing the sticker price. While Cottey does not explicitly state a policy on aid negotiation, given its size and mission, demonstrating increased need or presenting competing offers from similar institutions might be considered, though it's not a guaranteed outcome. Scholarship tips for Cottey students include applying early, maintaining strong academic performance, and exploring external scholarship opportunities to supplement institutional aid. The total cost of attendance, including tuition, fees, room, and board, will be the figure to consider when evaluating aid packages.

Hidden Costs at Cottey College

  • Room and Board: While tuition is listed at $27,562, expect an additional $10,000 - $14,000 annually for on-campus housing and a comprehensive meal plan.
  • Student Fees: Cottey assesses various student fees each semester, which can range from $500 to $1,000 per academic year, covering services and activities.
  • Textbooks and Supplies: Budget approximately $800 - $1,200 per year for required textbooks, course materials, and other academic supplies.
  • Personal Expenses: Allow for $1,500 - $2,500 annually for personal items, toiletries, laundry, and entertainment.
  • Transportation: Depending on your travel needs to and from campus, and for personal trips, factor in $500 - $2,000+ per year for gas, bus tickets, or flights.
  • Health Insurance: If you are not covered under a parent's plan, Cottey offers a student health insurance plan, which could cost upwards of $2,000 - $3,000 annually.
  • Technology Fees/Upgrades: While not always explicit, consider potential costs for laptop upgrades, software, or increased internet usage if needed.

Alumni Outcomes & Career Paths

Cottey College, a private women's college in Nevada, Missouri, offers a unique educational experience with a focus on developing well-rounded individuals. While specific data on major employers actively recruiting from Cottey is not widely publicized, the college's emphasis on liberal arts and sciences, coupled with its small size, suggests graduates are prepared for a diverse range of entry-level professional roles and further academic pursuits. Alumni often find opportunities in sectors that value strong communication, critical thinking, and problem-solving skills. Common industries where Cottey graduates cluster include education, healthcare administration, non-profit management, marketing, and various roles within small to medium-sized businesses. Given its location, many graduates may also find initial career traction within regional organizations in Missouri and surrounding states. The college's career services likely focus on building foundational career skills, resume writing, interview preparation, and networking within these broader sectors. While specific internship pipelines are not detailed, the college's commitment to personalized education suggests opportunities for tailored internships through faculty connections and alumni networks. Graduate school placement is a significant pathway for Cottey graduates, with many pursuing advanced degrees in fields such as law, psychology, education, and business. Notable alumni, while not extensively documented publicly, would likely be found in leadership positions within their chosen fields, reflecting the college's mission to empower women. Geographic hiring patterns tend to favor the Midwest region, though graduates are equipped to seek opportunities nationwide.

Campus Life & Culture at Cottey College

Cottey College attracts a diverse student body, drawing students from across the United States and internationally, creating a rich cultural tapestry. The ideal Cottey student is motivated, independent, and seeks a nurturing yet challenging academic environment where she can develop leadership skills and build lasting connections.

Cottey College cultivates a unique and close-knit campus environment, largely due to its small size and its distinct identity as a women's college. The 'vibe' is often described as supportive, empowering, and academically focused, with a strong emphasis on leadership development. Social life revolves around campus events, student organizations, and the residence halls. With only 254 students, Cottey fosters a genuine sense of community where students know each other and faculty well. There isn't a traditional Greek life system, but rather a robust network of student clubs and organizations that cater to a wide range of interests, from academic societies to cultural groups and recreational clubs. Campus traditions play a significant role in student life, such as the annual Cottey College Founders' Day celebration and various spirit weeks. Housing is primarily in residence halls, offering a communal living experience designed to build friendships and facilitate academic collaboration. Dining services are centralized, providing a convenient hub for students to gather and refuel. While athletics are not a primary focus in terms of NCAA competition, Cottey does offer intramural sports and opportunities for physical activity, encouraging a healthy lifestyle. The campus itself, located in Nevada, Missouri, offers a quiet, focused setting conducive to study, with beautiful grounds and historic buildings that contribute to its unique atmosphere. The emphasis is on personal growth, academic achievement, and building lifelong connections in a safe and nurturing environment.

Campus Highlights

  • Women's College Environment: A supportive and empowering atmosphere focused on leadership development and academic success for women.
  • Historic Campus: Beautiful, well-maintained grounds with a blend of historic and modern facilities in Nevada, Missouri.
  • Close-Knit Community: Small student body fosters strong relationships with peers and faculty.
  • Emphasis on Personal Growth: Focus extends beyond academics to developing well-rounded individuals.
  • Affordable Private Education: Competitive tuition and financial aid options for a private institution.
  • Strong Liberal Arts Foundation: Provides a broad educational base for diverse career paths.

Location & Regional Advantages

Cottey College's location in Nevada, Missouri, presents a distinct set of regional advantages and challenges for students. Nevada itself is a small, rural city offering a low cost of living, which can be a significant benefit for students managing personal expenses during their studies and for recent graduates seeking affordable living post-graduation. The slower pace of life and emphasis on community can appeal to students who prefer a quieter, more focused academic environment away from the distractions of a large metropolitan area. However, this rural setting also means proximity to major industry hubs is limited. The closest significant metropolitan area is Kansas City, approximately 90 miles away, which offers a more robust job market and diverse industries such as animal health, technology, and manufacturing. While Nevada itself has a local job market primarily centered around education, healthcare, and local businesses, Cottey graduates looking for immediate, diverse career opportunities may need to consider relocating to larger cities. The quality of life in Nevada is characterized by a strong sense of community and safety, with low crime rates. The weather is typical of the Midwest, with four distinct seasons, including warm summers and cold winters. The primary career advantage of this location lies in its affordability and the focused, close-knit campus environment it fosters, which can be ideal for students seeking an immersive academic experience. However, for those prioritizing immediate access to a wide array of internships and a diverse job market upon graduation, the rural location necessitates proactive networking and potential relocation.

How to Get Into Cottey College

Gaining admission to Cottey College, with its 69.2% acceptance rate, suggests a moderately selective admissions process. While Early Decision (ED) and Early Action (EA) are not explicitly detailed as having significant advantages, applying early is generally recommended to ensure full consideration for both admission and financial aid. Cottey likely values a holistic review of applications, looking beyond just grades and test scores. They seek students who demonstrate academic potential, leadership qualities, and a commitment to personal growth within a women's college environment. Strong essays that articulate a student's aspirations, experiences, and why Cottey is the right fit are crucial. Highlighting involvement in extracurricular activities, community service, and any leadership roles will strengthen an application. Since SAT/ACT scores are not provided, focus on presenting a strong academic record (GPA) and compelling personal statements. Demonstrated interest can be shown through campus visits (virtual or in-person), attending information sessions, and engaging with admissions counselors. A recommended timeline would be to complete your application by the priority deadline, typically in late winter or early spring (e.g., February or March), to maximize scholarship opportunities.

How Cottey College Compares to Similar Schools

Similar schools: Stephens College, Lindenwood University, Missouri Valley College

Advantages

  • Strong focus on women's leadership and empowerment
  • Smaller class sizes and personalized attention
  • Unique scholarship opportunities for women

Disadvantages

  • Limited program diversity compared to larger universities
  • Lower median earnings post-graduation
  • Rural location offers fewer immediate internship and job opportunities

Best For

  • Prospective students interested in a highly personalized education with a focus on small class sizes and diverse student body.
  • Students seeking career paths in education and non-profit work.

Avoid If

  • Students looking for a high ROI should consider other institutions with better financial outcomes.
  • Students with a high tolerance for debt may find the cost of attendance prohibitive.

Frequently Asked Questions about Cottey College

How much does it cost to attend Cottey College?

In-state tuition at Cottey College is $27,562 per year, and out-of-state tuition is $27,562 per year. The median student debt at graduation is $19,043.

What is the acceptance rate at Cottey College?

Cottey College has an acceptance rate of 69.2%.

What is the graduation rate at Cottey College?

Cottey College has a graduation rate of 58.7%.

How much do Cottey College graduates earn?

The median earnings for Cottey College graduates 10 years after enrollment is $35,422. With median debt of $19,043, graduates earn roughly 1.9x their debt level annually.

How big is Cottey College?

Cottey College has approximately 254 students and is classified as a small institution. It is located in Nevada, MO and is a Private Nonprofit institution.

Is Cottey College worth the cost?

Cottey College has an ROI score of -68 out of 100. With in-state tuition of $27,562 per year and median post-graduation earnings of $35,422, the data suggests the return on investment may be below average.

Where is Cottey College located?

Cottey College is located in Nevada, MO. It is a Private Nonprofit institution with approximately 254 students.

How much student debt do Cottey College graduates have?

The median student debt for Cottey College graduates is $19,043. With median earnings of $35,422 ten years after enrollment, graduates can expect a debt-to-income ratio of 54%.

Is Cottey College a good college?

Cottey College has a graduation rate of 58.7% and median post-graduation earnings of $35,422. Graduation rate of 58.66% with a strong focus on small class sizes and personalized education.

How does Cottey College compare to similar colleges?

Median 10-year earnings of $35,422 with a negative ROI score of -68. While Cottey College offers personalized education and diverse student body, the negative ROI score suggests that the cost may not be justified compared to peer institutions.

What career prospects do Cottey College graduates have?

Graduates from Cottey College are well-positioned for careers in education, non-profit work, and related fields due to the college's focus on personalized education and small class sizes.

What should prospective students know about Cottey College?

Cottey College holds a niche position in the market, catering to students seeking a small, personalized educational experience with a focus on diversity.

What makes Cottey College stand out?

Diverse student body with 69.69% white students, 6.69% black students, 12.6% Hispanic students, and 1.57% Asian students.

What are the pros and cons of attending Cottey College?

Admission rate of 69.18%, indicating a relatively accessible institution.

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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.