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Culver-Stockton College

Canton, MO 63435-1299 — Private Nonprofit

Value Score: 55/100 | ROI Score: -63 | Affordability Score: 55/100

Tuition (In-State): $30,875 | Out-of-State: $30,875

Acceptance Rate: 99.1% | Graduation Rate: 44.8% | Retention Rate: 67.2%

Median Earnings (10yr): $46,092 | Median Debt: $26,000

ACT Midpoint: 22

Student Body Size: 807 (small)

Pell Grant Recipients: 39.4% | Federal Loan Rate: 71.6%

Average Faculty Salary: $6,246/month

Tuition & Affordability Analysis

In-state tuition at Culver-Stockton College is $30,875 per year, which is 22% below the national average for private institutions.

Out-of-state students pay $30,875/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: $123,500 (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 Culver-Stockton College:

  • Families earning $0–$30,000: $17,712/year
  • Families earning $30,001–$48,000: $18,801/year
  • Families earning $48,001–$75,000: $21,584/year
  • Families earning $75,001–$110,000: $24,016/year
  • Families earning $110,000+: $24,786/year

Low-income families receive an average discount of $13,163/year, paying just 57% of the sticker price.

Admissions Snapshot

Culver-Stockton College has an acceptance rate of 99.1%, placing it in the Open Admission (85%+) category. This means roughly 204 students apply each year.

Culver-Stockton College accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

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

Graduate Outcomes & Return on Investment

44.8% of students at Culver-Stockton College complete their degree, 28% 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 Culver-Stockton College earn a median salary of $46,092 ten years after enrollment, 13% above the national average. This represents a $11,092/year earnings premium over the average high school diploma holder, or $332,760 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $26,000, 21% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $282/month, with a total repayment of $33,840 (including $7,840 in interest).

Debt-to-Earnings Ratio: 0.56x. 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 Culver-Stockton College pays for itself in approximately 12 years. This is a longer payback period — consider whether your intended major leads to higher-earning career paths.

Financial Aid Profile

39.4% of students at Culver-Stockton College receive Pell Grants (federal need-based aid for families earning under ~$60,000), 19% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

71.6% of students take federal loans, 52% 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: $6,246/month, 28% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Culver-Stockton College enrolls 807 undergraduate students. As a small institution, students can expect smaller class sizes, closer faculty relationships, and a tight-knit campus community.

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

Student body composition: White 67%, Hispanic 5%, Black 17%, Asian 1%.

Culver-Stockton College: A Small, Private Institution with High Admission Rates and Significant Student Debt

Report Card: Overall Grade D+

Culver-Stockton College receives an overall grade of D+ based on six dimensions:

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

College Analysis

Culver-Stockton College is a Private Nonprofit institution in Canton, MO with approximately 807 students. Academics: Culver-Stockton College has a high admission rate, indicating strong selectivity and a welcoming environment for students. Value: The college offers a relatively affordable tuition compared to its peers, but graduates face a significant debt burden. Outcomes: Graduates have a median earning potential of $46,092 after 10 years, which is below the national average for similar institutions.

The Verdict: Is Culver-Stockton College Worth It?

Culver-Stockton College presents a challenging value proposition. With a median 10-year earning of $46,092 and a median debt of $26,000, the return on investment (ROI) score of -63 indicates a significant struggle for graduates to recoup their educational expenses through increased earnings within a decade. The tuition of $30,875 per year, while comparable to other private institutions, becomes a substantial burden when weighed against the modest post-graduation earnings. To pay off $26,000 in debt at a typical 6% interest rate over 10 years would require monthly payments of approximately $270. If a significant portion of the $46,092 median salary is needed for living expenses, allocating $3,240 annually towards debt repayment might be difficult. The low graduation rate of 44.8% also raises concerns about student success and program completion. While the small class sizes and personalized attention might appeal to some, the financial outcomes suggest that Culver-Stockton College is currently overpriced for the economic return it provides. It is not a hidden gem, nor is it a straightforward good deal. Graduates would need to be highly strategic in their career choices and potentially pursue further education or high-demand, high-paying roles immediately after graduation to overcome the initial financial hurdle. A clear recommendation is to carefully consider alternative institutions with stronger earning potentials or to seek substantial financial aid to mitigate the debt burden.

Return on Investment

While the tuition is affordable, the significant student debt and lower earnings potential suggest that the degree may not be worth the cost for many students.

Debt Reality Check

Median student debt at Culver-Stockton College: $26,000. Monthly payment on a standard 10-year plan: $295/month. Total repaid: $35,400 ($9,400 in interest).

Breakeven vs high school diploma: 1.6 years. Debt burden: Manageable. Salary needed for comfortable repayment: $35,400.

Strengths

  • High admission rate and strong selectivity.
  • Affordable tuition compared to peers.

Weaknesses

  • Significant student debt burden.
  • Below-average graduation rate and median earnings.

Academic Profile

ACT Midpoint: 22. Retention Rate: 67.2%.

Culver-Stockton College offers a liberal arts education with a focus on experiential learning and personalized attention. While specific departmental strengths can vary, programs like Business Administration, Education, and Nursing are often popular choices at similar institutions, likely drawing significant interest here. The college's commitment to a student-faculty ratio that is likely quite low, given the small student population, means students can expect close mentorship and direct access to professors. Faculty quality can be inferred from the dedication required to teach at a private liberal arts college, where professors often serve as advisors and research mentors. While specific research opportunities aren't detailed, it's common for undergraduates at schools like Culver-Stockton to engage in faculty-led research projects, especially in science and social science fields. The Honors Program likely provides a challenging academic path for high-achieving students, offering enriched coursework and opportunities for independent study. Study abroad programs, though perhaps smaller in scale than at larger universities, are typically available and encouraged to broaden students' perspectives. Academic support resources are crucial at a college of this size, and students can expect services such as tutoring, writing centers, and academic advising to be readily accessible and integrated into the student experience.

Financial Aid Guide for Culver-Stockton College

Pell Grant recipients: 39.4%. Students taking federal loans: 71.6%.

Navigating financial aid at Culver-Stockton College involves understanding both merit-based and need-based aid opportunities. Given the stated tuition of $30,875, it's highly probable that a significant portion of students receive institutional aid. Culver-Stockton likely offers a range of merit scholarships based on academic achievement (GPA, high school coursework) and potentially on factors like leadership or artistic talent. These scholarships can significantly reduce the net cost of attendance. Need-based aid, determined by the FAFSA, will also be a critical component for many families. This includes federal grants like the Pell Grant (though the rate is not provided, it's a key federal program), state grants (if applicable to Missouri residents), and institutional grants. Work-study opportunities, where students can earn money through part-time campus jobs, are also a common form of aid. For families with an Expected Family Contribution (EFC) of, say, $10,000, a typical aid package might combine a merit scholarship of $15,000-$20,000 with $5,000-$8,000 in need-based grants and potentially federal loans. Families with higher incomes might receive less need-based aid but could still qualify for substantial merit scholarships. Scholarship tips include applying early, highlighting extracurricular achievements and leadership roles on applications, and researching any external scholarships available. Negotiating aid at a school of this size and type is possible, especially if you have competing offers from similar institutions, but it's generally more effective when there's a clear discrepancy or a significant change in financial circumstances.

Hidden Costs at Culver-Stockton College

  • Room and Board: Expect to pay an additional $10,000 - $12,000 annually for on-campus housing and a meal plan, which is often mandatory for first and second-year students.
  • Textbooks and Supplies: Budget approximately $1,000 - $1,500 per academic year for new textbooks, course materials, and necessary supplies.
  • Technology Fee: A mandatory technology fee, likely around $100 - $200 per semester, covers access to campus IT resources and infrastructure.
  • Transportation: If you plan to travel home frequently or explore the surrounding area, factor in costs for gas, vehicle maintenance, or bus tickets, which can range from $500 to $2,000 annually depending on distance and frequency.
  • Personal Expenses: Allow for $1,500 - $3,000 per year for personal items, entertainment, snacks, laundry, and other miscellaneous living costs.
  • Activity/Student Fees: A general student activity fee, typically $100 - $300 per semester, supports campus events, clubs, and student services.
  • Health Insurance: If you are not covered by a parent's plan, the college may require you to enroll in their student health insurance plan, which could cost $2,000 - $4,000 annually.

Alumni Outcomes & Career Paths

Culver-Stockton College, a small private institution in Canton, Missouri, presents a unique career trajectory for its graduates. Given its size and location, the primary employers that tend to recruit from Culver-Stockton are often regional. These include healthcare systems like Hannibal Regional Hospital and Blessing Hospital, educational institutions such as the local school districts (e.g., Lewis County C-1 School District), and various businesses within the Quincy, Illinois, and Hannibal, Missouri metropolitan areas. Industries where alumni tend to cluster reflect the regional economy, with significant representation in healthcare, education, business administration, and some manufacturing roles. Direct placement data into specific major corporations is less common due to the school's scale and geographic focus. Graduate school placement rates are not prominently published, but anecdotal evidence suggests that students pursuing advanced degrees in fields like education, nursing, and business often find success in programs at larger state universities in Missouri and Illinois. Notable alumni are not widely publicized, which is typical for smaller colleges, but the focus is on building a strong regional network. Career services at Culver-Stockton are likely to be personalized due to the small student body, offering individual attention for resume building, interview practice, and job searching. Internship pipelines are crucial for C-SC graduates; students often secure placements in local businesses and organizations, gaining practical experience that can lead to full-time offers. Geographic hiring patterns strongly favor Missouri and Illinois, particularly the northeastern part of Missouri and western Illinois, with a smaller percentage venturing to larger Midwestern cities like St. Louis or Kansas City for opportunities. The emphasis is on leveraging the strong regional connections cultivated during their time at the college.

Campus Life & Culture at Culver-Stockton College

Culver-Stockton College attracts a student body primarily from Missouri and surrounding states, creating a regional mix. The small size fosters a tight-knit community where students often know each other across different majors and years. The type of student who thrives here is likely independent, community-oriented, and seeking a personalized educational experience with direct faculty interaction.

Life at Culver-Stockton College in Canton, Missouri, offers a close-knit community experience, characteristic of many small private institutions. With an enrollment of just over 800 students, the campus vibe is decidedly personal, fostering strong relationships among students and with faculty. The student body is largely residential, with most students living on campus, which helps to create a vibrant and engaged community. Housing options range from traditional residence halls like the historic Johnson Hall, known for its classic architecture, to more modern apartment-style living for upperclassmen. The dining hall, often the central hub for student interaction, provides a communal space for meals and socializing. Student organizations are plentiful, covering a wide array of interests from academic clubs like the Biology Club to recreational groups such as the Outdoor Adventure Club. The college also emphasizes student leadership and involvement, encouraging participation in events and campus governance. Athletics play a significant role, with the Wildcats competing in the Heart of America Athletic Conference (NAIA). Sports like football, basketball, and volleyball are popular, drawing crowds to games and fostering school spirit. While Greek life is not a dominant feature, there are a few fraternities and sororities that contribute to the social fabric. The overall atmosphere is one of camaraderie and mutual support, where students are encouraged to get involved and make the most of their college experience in a smaller, more intimate setting. Canton itself is a quiet, rural town, so the campus community is the primary social center for students.

Campus Highlights

  • The historic Johnson Hall, a beautiful and iconic building that serves as a central residence hall.
  • The "Wildcat" mascot and the strong sense of school spirit associated with athletics.
  • A strong emphasis on faculty-mentored undergraduate research opportunities.
  • The close-knit community fostered by a small student body and residential campus.
  • The college's location in Canton, MO, offering a peaceful, rural setting conducive to focused study.
  • The "Service Learning" component integrated into many academic programs, providing real-world experience.

Location & Regional Advantages

Culver-Stockton College's location in Canton, Missouri, offers a distinct set of advantages and challenges for its students. The local job market is primarily driven by healthcare, education, and small to medium-sized businesses, with Hannibal and Quincy serving as the nearest significant economic centers. The cost of living in Canton and the surrounding Northeast Missouri region is notably low compared to national averages, making it an attractive option for students seeking affordability during their college years and potentially for early career stages. Proximity to industry hubs is limited; the closest major metropolitan areas with diverse job markets are St. Louis and Kansas City, both several hours away. This geographic isolation means that career opportunities immediately post-graduation are more concentrated in the immediate region. The quality of life in Canton is characterized by a small-town atmosphere, offering a slower pace and a close-knit community. Weather is typical of the Midwest, with distinct seasons including hot summers and cold winters. Safety is generally high in such rural communities. The location's primary impact on career opportunities is the necessity for graduates to either establish themselves within the regional economy or be prepared for a relocation to larger urban centers to access a broader range of industries and companies. The college's strength lies in its ability to foster strong local connections that can benefit students seeking employment within Missouri and Illinois.

How to Get Into Culver-Stockton College

Culver-Stockton College, with its high admission rate of 99.1%, is generally accessible to a wide range of students. The primary focus for admission will likely be on a student's desire to engage with the college's liberal arts mission and their potential to succeed in its academic environment. While specific GPA and test score ranges are not provided, applicants should aim for solid academic performance in high school, demonstrating a commitment to learning. Essays are an opportunity to showcase personality, unique experiences, and how you align with the college's values – perhaps focusing on a passion for a particular field of study or a desire for a close-knit community. Demonstrated interest is likely valued; this can be shown through attending virtual or in-person information sessions, visiting campus (highly recommended if possible), and engaging with admissions counselors. Given the selectivity, there are no significant advantages to Early Decision or Early Action beyond securing your spot earlier. The timeline should involve preparing your application materials well in advance of the typical deadlines (often around February 1st for regular decision), submitting your FAFSA for financial aid consideration, and ensuring all supporting documents are sent promptly. Focus on presenting yourself as an engaged and motivated individual eager to contribute to the Culver-Stockton community.

How Culver-Stockton College Compares to Similar Schools

Similar schools: William Woods University, Hannibal-LaGrange University, Quincy University, MacMurray College (defunct, but historically similar)

Advantages

  • Stronger emphasis on liberal arts and sciences foundation.
  • Potentially more personalized advising due to smaller size.
  • Location offers a lower cost of living compared to larger cities.

Disadvantages

  • Significantly lower median earnings compared to national averages and many peers.
  • Lower graduation rate suggests potential challenges in student retention and success.
  • Limited geographic reach for job placement beyond the immediate region.

Best For

  • Prospective students who value a selective admissions process and a welcoming academic environment.
  • Students seeking a career path that does not require high starting salaries but offers long-term growth potential.

Avoid If

  • Students looking for a high-earning potential after graduation should consider other options.
  • Students with a high tolerance for student debt should be cautious.

Frequently Asked Questions about Culver-Stockton College

How much does it cost to attend Culver-Stockton College?

In-state tuition at Culver-Stockton College is $30,875 per year, and out-of-state tuition is $30,875 per year. The median student debt at graduation is $26,000.

What is the acceptance rate at Culver-Stockton College?

Culver-Stockton College has an acceptance rate of 99.1%.

What is the graduation rate at Culver-Stockton College?

Culver-Stockton College has a graduation rate of 44.8%.

How much do Culver-Stockton College graduates earn?

The median earnings for Culver-Stockton College graduates 10 years after enrollment is $46,092. With median debt of $26,000, graduates earn roughly 1.8x their debt level annually.

How big is Culver-Stockton College?

Culver-Stockton College has approximately 807 students and is classified as a small institution. It is located in Canton, MO and is a Private Nonprofit institution.

Is Culver-Stockton College worth the cost?

Culver-Stockton College has an ROI score of -63 out of 100. With in-state tuition of $30,875 per year and median post-graduation earnings of $46,092, the data suggests the return on investment may be below average.

Where is Culver-Stockton College located?

Culver-Stockton College is located in Canton, MO. It is a Private Nonprofit institution with approximately 807 students.

How much student debt do Culver-Stockton College graduates have?

The median student debt for Culver-Stockton College graduates is $26,000. With median earnings of $46,092 ten years after enrollment, graduates can expect a debt-to-income ratio of 56%.

Is Culver-Stockton College a good college?

Culver-Stockton College has a graduation rate of 44.8% and median post-graduation earnings of $46,092. High admission rate of 99.1% indicating strong selectivity.

How does Culver-Stockton College compare to similar colleges?

Median student debt of $26,000 is above the national average for private colleges. Compared to peer institutions, Culver-Stockton College offers a more affordable tuition but graduates face a significant debt burden and lower earnings potential.

What career prospects do Culver-Stockton College graduates have?

Graduates from Culver-Stockton College are well-prepared for careers in fields that do not require high starting salaries but offer long-term growth potential.

What should prospective students know about Culver-Stockton College?

Culver-Stockton College is positioned in the market as a small, private institution that provides a selective admissions process but may not offer the best value in terms of post-graduation earnings.

What makes Culver-Stockton College stand out?

Graduation rate of 44.82% is below the national average for similar institutions.

What are the pros and cons of attending Culver-Stockton College?

Median earnings after 10 years are below the national average for similar institutions.

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