CollegeTuitionData — College Data in Plain English

Harris-Stowe State University

Saint Louis, MO 63103-2136 — Public

Value Score: 65/100 | ROI Score: 11 | Affordability Score: 90/100

Tuition (In-State): $7,008 | Out-of-State: $11,640

Graduation Rate: 27.5% | Retention Rate: 68.4%

Median Earnings (10yr): $31,088 | Median Debt: $25,930

Student Body Size: 960 (small)

Pell Grant Recipients: 73.7% | Federal Loan Rate: 60.9%

Average Faculty Salary: $5,463/month

Tuition & Affordability Analysis

In-state tuition at Harris-Stowe State University is $7,008 per year, which is 36% below the national average for public institutions.

Out-of-state students pay $11,640/year — a premium of $4,632 over in-state rates. Over four years, out-of-state students pay approximately $18,528 more than their in-state peers.

Estimated four-year tuition cost: $28,032 (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 Harris-Stowe State University:

  • Families earning $0–$30,000: $9,827/year
  • Families earning $30,001–$48,000: $10,963/year
  • Families earning $48,001–$75,000: $9,814/year
  • Families earning $75,001–$110,000: $8,563/year
  • Families earning $110,000+: $6,238/year

Graduate Outcomes & Return on Investment

27.5% of students at Harris-Stowe State University complete their degree, 56% below the national average. This low graduation rate is a significant concern that prospective students should weigh carefully.

First-year retention rate: 68.4% (16% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Harris-Stowe State University earn a median salary of $31,088 ten years after enrollment, 24% below the national average.

The median student debt at graduation is $25,930, 21% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $281/month, with a total repayment of $33,720 (including $7,790 in interest).

Debt-to-Earnings Ratio: 0.83x. This ratio is approaching the caution zone. Graduates may face significant loan payments relative to income.

Financial Aid Profile

73.7% of students at Harris-Stowe State University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 123% above the national average. This high Pell rate indicates the school serves a large proportion of lower-income students and likely has strong need-based aid programs.

60.9% of students take federal loans, 30% 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: $5,463/month, 37% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Harris-Stowe State University enrolls 960 undergraduate students. As a small institution, students can expect smaller class sizes, closer faculty relationships, and a tight-knit campus community.

Diversity Index: 33/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 3%, Hispanic 3%, Black 82%, Asian 0%.

Harris-Stowe State University: Small Public Institution with Low Tuition and Below-Average Graduation Rates

Report Card: Overall Grade D+

Harris-Stowe State University receives an overall grade of D+ based on six dimensions:

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

College Analysis

Harris-Stowe State University is a Public institution in Saint Louis, MO with approximately 960 students. Academics: Harris-Stowe State University has a graduation rate of 27.51%, which is below the national average for public universities. Value: The university offers a relatively low tuition for in-state students, making it more affordable compared to out-of-state tuition. Outcomes: Graduates face a challenging job market with a median earnings of $31,088 after 10 years, which is below the national average.

The Verdict: Is Harris-Stowe State University Worth It?

Based on the data, Harris-Stowe State University presents a challenging value proposition for the average student. With an in-state tuition of $7,008 (out-of-state $11,640), a median debt of $25,930, and median earnings of just $31,088 ten years after enrollment, the financial return on investment (ROI Score: 11) is notably low. This suggests that for many, the school is **overpriced** relative to the typical post-graduation financial outcomes. A graduate earning $31,088 annually would likely take a significant portion of their early career to pay off $25,930 in debt, especially considering taxes and living expenses. This debt-to-income ratio is concerning and indicates a high financial burden. While the tuition itself appears modest, the low graduation rate (27.5%) means a substantial number of students incur debt without completing a degree, further diminishing their ROI. For those who do graduate, the median earnings are barely above the poverty line in many areas, making debt repayment a struggle. It's crucial for prospective students to understand that while an HBCU experience offers invaluable cultural and community benefits, the aggregate financial data points to a poor return for the average graduate. **Recommendation:** Exercise extreme caution. Harris-Stowe might be a viable option for highly motivated students pursuing specific, in-demand majors (like education or certain STEM fields) who are committed to leveraging all career services resources, securing internships, and have a clear post-graduation plan within the St. Louis job market. However, for the average student, the financial data suggests it is not a good deal and could lead to significant debt with limited earning potential. Prospective students should carefully weigh the costs against their specific career aspirations and explore alternative institutions with stronger financial outcomes.

Return on Investment

While the tuition is low, the high median debt and below-average earnings suggest that the return on investment may not be as strong as at other institutions.

Debt Reality Check

Median student debt at Harris-Stowe State University: $25,930. Monthly payment on a standard 10-year plan: $294/month. Total repaid: $35,280 ($9,350 in interest).

Breakeven vs high school diploma: 23.8 years. Debt burden: Moderate. Salary needed for comfortable repayment: $35,280.

Strengths

  • Strong focus on serving the local Black community.
  • Low tuition for in-state students.

Weaknesses

  • Below-average graduation rate.
  • Below-average median earnings for graduates.

Academic Profile

Retention Rate: 68.4%.

Harris-Stowe State University, with its roots as a teacher's college, maintains a strong academic foundation, particularly in education, business, and STEM fields. The university's mission emphasizes providing accessible, high-quality education, and its academic profile reflects a commitment to career readiness and community impact. While specific faculty salary data is unavailable, the focus at HSSU is on dedicated teaching and mentorship, often leading to a supportive learning environment where professors know their students by name, a significant advantage of a smaller institution.

Among its notable departments, the College of Education remains a flagship, preparing future educators with programs in Early Childhood Education, Elementary Education, and Secondary Education. Graduates are well-prepared to address the needs of diverse student populations, particularly within urban settings. The College of Business offers robust programs in Business Administration, Accounting, and Management, often incorporating practical, real-world case studies and internships within the St. Louis business community. For students interested in STEM, the College of Arts & Sciences provides strong programs in Biology, Computer Science, and Mathematics, with faculty often engaging students in undergraduate research projects, albeit on a smaller scale than larger research institutions. These opportunities might involve lab work, data analysis, or community-based research, providing invaluable hands-on experience.

While a formal 'Honors Program' might not be as extensive as at larger universities, high-achieving students are often recognized through departmental honors and opportunities for advanced coursework. Study abroad options, while perhaps limited, are typically available through consortia or specific faculty-led trips, encouraging global perspectives. Academic support is a priority, with resources like the Academic Support Center offering tutoring, writing assistance, and supplemental instruction across various subjects. Academic advising is personalized, ensuring students stay on track with their degree requirements and career goals. The university's commitment to student success is evident in its comprehensive support services, designed to help every student, regardless of their academic background, thrive and achieve their potential.

Financial Aid Guide for Harris-Stowe State University

Pell Grant recipients: 73.7%. Students taking federal loans: 60.9%.

Navigating financial aid at Harris-Stowe State University is crucial, especially given its public, HBCU status and commitment to affordability. The university aims to make higher education accessible, and a significant portion of its students rely on financial assistance. The cornerstone of aid at HSSU is the Free Application for Federal Student Aid (FAFSA), which determines eligibility for federal and state grants, loans, and work-study programs. Completing the FAFSA early is paramount.

Need-based aid is a primary focus. Students with high financial need, as determined by the FAFSA, are often eligible for the Federal Pell Grant, which can provide up to approximately $7,395 per year for the 2023-2024 academic year. The Federal Supplemental Educational Opportunity Grant (FSEOG) offers additional funds to students with exceptional financial need. Missouri residents may also qualify for the Access Missouri Grant, which can provide up to $2,850 for eligible students attending public institutions. A typical aid package for an in-state student with high need might combine a Pell Grant, an Access Missouri Grant, and Federal Direct Subsidized Loans, potentially covering a significant portion of the $7,008 in-state tuition.

Merit-based aid is available but often competitive. HSSU offers various institutional scholarships, such as the President's Scholarship or Dean's Scholarship, typically awarded based on academic achievement (GPA, and sometimes test scores if submitted). These can range from partial tuition waivers to more substantial awards, often requiring a separate application or essay. For example, a strong incoming freshman might receive a scholarship covering $1,000-$3,000 annually. Students should actively seek out scholarships offered through the HSSU Foundation and external organizations. The Federal Work-Study program also provides opportunities for students to earn money for educational expenses through part-time jobs on campus or with non-profit organizations.

While negotiating aid packages is less common at public universities with already lower tuition rates, it's not entirely unheard of. If your family's financial circumstances change significantly after submitting the FAFSA, or if you receive a more generous offer from a comparable institution, you can politely contact the Financial Aid Office to inquire about a 'professional judgment' review or to see if any additional institutional funds might be available. However, the primary strategy should be to maximize grant and scholarship eligibility through early application and strong academic performance.

Hidden Costs at Harris-Stowe State University

  • On-campus housing can add an estimated $6,000-$8,000 per academic year for a standard double room, varying by specific residence hall and amenities.
  • A comprehensive meal plan, often mandatory for resident students, typically costs around $3,500-$4,500 annually, depending on the number of meals and dining dollars included.
  • Textbooks and course materials are a significant expense, averaging $1,200-$1,500 per year, though digital options and used books can help reduce this.
  • University fees, beyond tuition, can include technology fees, student activity fees, and health service fees, totaling approximately $500-$800 per year.
  • Transportation costs, especially for commuter students or those without a car, can range from $500-$1,000 annually for public transit passes or gas and parking permits.
  • Personal expenses, covering everything from toiletries and entertainment to laundry and incidentals, should be budgeted at $1,500-$2,500 per year.
  • Health insurance, if not covered by a family plan, may require purchasing a university-sponsored plan or an individual plan, potentially costing $1,500-$3,000 annually.

Alumni Outcomes & Career Paths

Harris-Stowe State University, as a historically Black college/university (HBCU) in St. Louis, plays a vital role in preparing graduates for careers primarily within the local and regional economy, with a strong emphasis on public service, education, and healthcare. While specific, granular data on major employers is often proprietary, alumni commonly find roles with significant St. Louis institutions. In the education sector, graduates are frequently recruited by the St. Louis Public School District, Riverview Gardens School District, and other surrounding districts in Missouri and Illinois, filling critical teaching and administrative positions. The healthcare industry is another major destination, with alumni securing positions at large systems like BJC HealthCare, SSM Health, and Mercy, often in administrative, support, or entry-level clinical roles (for those with relevant science backgrounds). Public administration and social services also see a significant cluster of graduates, working for city and county government agencies, as well as non-profit organizations dedicated to community development and social justice in the St. Louis metropolitan area.

Graduate school placement rates are not publicly detailed, but many HBCU graduates pursue further education, particularly in fields like education, social work, public health, and business administration, often at regional institutions such as the University of Missouri-St. Louis or Saint Louis University. Harris-Stowe's career services department focuses on connecting students with local opportunities through job fairs, resume workshops, and networking events. Internship pipelines are primarily established with St. Louis-based organizations, offering students practical experience with companies like Enterprise Holdings, Edward Jones, and various local government departments. Geographically, the vast majority of Harris-Stowe graduates remain in the St. Louis metropolitan area and the broader Missouri-Illinois bi-state region, leveraging their local networks and the university's community ties to launch their careers. While the university may not boast a long list of nationally recognized 'notable alumni' in the traditional sense, it consistently produces community leaders, dedicated educators, and essential professionals who contribute significantly to the fabric of St. Louis.

Campus Life & Culture at Harris-Stowe State University

Harris-Stowe State University primarily serves a diverse student body, predominantly African American, reflecting its HBCU mission. While most students hail from Missouri, particularly the St. Louis metropolitan area, the university also attracts students from across the nation and internationally. The ideal student for HSSU is one who thrives in a supportive, community-oriented environment, values cultural heritage, and is driven to achieve academic and professional success within a close-knit, urban setting.

Life at Harris-Stowe State University is deeply rooted in the rich traditions and close-knit community characteristic of an Historically Black College and University (HBCU), set against the vibrant backdrop of St. Louis, Missouri. The general 'vibe' is one of family, support, and cultural pride, where students are encouraged to find their voice and purpose. On-campus housing, primarily for freshmen and sophomores, fosters this community spirit. The Residence Hall provides a foundational experience, offering a safe and structured environment for students transitioning to college life. While specific dining options might be limited, the campus cafeteria serves as a central hub for meals and social interaction, with meal plans designed to accommodate resident students. Beyond campus, students often explore the diverse culinary scene of St. Louis, from soul food spots to international cuisine.

Student organizations are a cornerstone of campus life, ranging from academic clubs like the National Society of Black Engineers (NSBE) and the Student Government Association (SGA) to cultural groups and service organizations. Greek life is particularly vibrant at HSSU, with chapters from the Divine Nine (the historically Black Greek letter fraternities and sororities) playing a significant role in campus leadership, community service, and social events. These organizations host numerous events throughout the year, from step shows and yard shows to philanthropic initiatives, creating a dynamic social calendar. Athletics, under the NAIA banner, are a source of Hornet pride, with basketball and track & field often drawing enthusiastic crowds. Games are more than just competitions; they're community gatherings.

Campus traditions are cherished, with Homecoming being a highlight of the academic year, featuring parades, tailgates, and alumni events that bring generations of Hornets together. Other events like Freshman Convocation, the annual Spring Fest, and various cultural celebrations reinforce the HSSU identity. The university's location in Midtown St. Louis offers students easy access to cultural institutions like the Grand Center Arts District, museums, professional sports venues, and internship opportunities downtown. While the campus itself is a welcoming oasis, the city serves as an extended classroom and playground, providing a balance of campus intimacy and urban exploration. Students here thrive on connection, purpose, and a strong sense of belonging.

Campus Highlights

  • As an Historically Black College and University (HBCU), HSSU offers a unique and supportive cultural environment focused on Black excellence and community building.
  • Its prime location in Midtown St. Louis provides students with unparalleled access to internships, cultural institutions, entertainment, and career opportunities in a major urban center.
  • HSSU boasts a strong legacy in teacher education, continuing to produce highly qualified educators for urban and diverse school districts.
  • The university fosters a close-knit, family-like atmosphere where students often form deep connections with peers and faculty, benefiting from personalized attention.
  • HSSU is committed to affordability, offering a high-quality education at a competitive price, especially for Missouri residents.
  • The vibrant Greek life and numerous student organizations provide extensive opportunities for leadership development, community service, and social engagement.
  • The university's focus on career readiness ensures graduates are well-prepared for the workforce, with strong programs in business, criminal justice, and STEM fields.

Location & Regional Advantages

Harris-Stowe State University's location in Saint Louis, MO, offers a unique set of geographic advantages and challenges that significantly influence post-graduation career opportunities. St. Louis boasts a diverse and robust local job market, particularly strong in healthcare, bioscience, advanced manufacturing, financial services, and education. Major employers like BJC HealthCare, Washington University in St. Louis, Centene Corporation, Edward Jones, and Bayer (Monsanto) provide a wide array of entry-level and professional positions. The city's Cortex Innovation Community is a growing hub for tech and startups, offering emerging opportunities, though perhaps less directly aligned with some of Harris-Stowe's traditional program strengths.

One of St. Louis's most compelling advantages is its relatively low cost of living compared to national averages. Housing, transportation, and everyday expenses are significantly more affordable than in coastal cities, allowing graduates to stretch their entry-level salaries further and manage student debt more effectively. The university's urban setting places it in close proximity to downtown St. Louis, cultural institutions like the St. Louis Zoo and Forest Park, and various industry hubs, facilitating internships and networking. Quality of life is generally high, with numerous free attractions, a vibrant arts scene, and passionate sports fans. The weather features four distinct seasons, from hot, humid summers to cold, snowy winters.

Safety can be a concern in certain parts of St. Louis, a common challenge for many urban environments, but the campus itself and surrounding areas frequented by students are generally secure. For Harris-Stowe graduates, the local job market is paramount. The university's strong community ties and focus on fields like education and public service mean that many career paths are deeply embedded within St. Louis. Graduates are well-positioned to fill essential roles in local schools, healthcare facilities, and government agencies, leveraging the university's reputation and network within the city. This localized advantage means that while national mobility might be less emphasized, deep roots and opportunities within the St. Louis region are abundant.

How to Get Into Harris-Stowe State University

Gaining admission to Harris-Stowe State University, while not as hyper-competitive as some larger institutions, requires a thoughtful and well-prepared application that demonstrates your potential and fit for an HBCU environment. With an admission rate of N/A, the university likely practices a holistic review, but a strong academic record remains crucial. The admissions office values students who show a clear commitment to their education, a desire to contribute to the campus community, and an understanding of HSSU's mission.

While specific GPA and test score ranges are not published, applicants should aim for a GPA of 2.5 or higher on a 4.0 scale. If you choose to submit test scores (ACT or SAT), a competitive ACT score would likely be in the 18-22 range, and an SAT score around 950-1100. However, HSSU often emphasizes a comprehensive review, so strong essays and recommendations can compensate for slightly lower scores. The essay is your opportunity to shine. Effective essay topics often revolve around your career aspirations, why you believe HSSU is the right fit for you (specifically mentioning its HBCU identity and St. Louis location), how you've overcome challenges, or your contributions to your community. Authenticity and a clear voice are key.

Demonstrated interest is highly valued at a smaller institution like Harris-Stowe. This can include visiting campus, attending virtual information sessions, engaging with admissions counselors, or participating in campus preview days. These actions show your genuine enthusiasm and commitment. For the application timeline, applying early in the fall of your senior year is always recommended, ideally by November 1st for priority consideration for scholarships and housing. While HSSU may operate on a rolling admissions basis, submitting your application and all supporting documents well before the spring semester ensures you have ample time for financial aid processing and decision-making. Focus on presenting a well-rounded profile that highlights your academic readiness, leadership potential, and alignment with the HSSU community.

How Harris-Stowe State University Compares to Similar Schools

Similar schools: Lincoln University (MO), University of Central Missouri, Missouri Western State University, Philander Smith College

Advantages

  • Strong community and cultural experience as an HBCU in a major city.
  • Lower in-state tuition compared to some larger state universities.
  • Direct access to the St. Louis job market and established local employer networks.
  • Smaller class sizes and more personalized attention than larger public institutions.

Disadvantages

  • Significantly lower graduation rate (27.5%) compared to many peers.
  • Lower median earnings post-graduation ($31,088) than most regional public universities.
  • Fewer academic programs and resources compared to larger state universities.

Best For

  • Prospective students who prioritize community service and local job opportunities may find this institution a good fit.
  • Students seeking a high return on investment in terms of earnings may want to consider other options.

Avoid If

  • Students looking for a high-paying career path may want to explore other institutions with better job placement rates and higher median earnings.
  • Those seeking a low-cost, high-value education for out-of-state students may want to consider other options.

Frequently Asked Questions about Harris-Stowe State University

How much does it cost to attend Harris-Stowe State University?

In-state tuition at Harris-Stowe State University is $7,008 per year, and out-of-state tuition is $11,640 per year. The median student debt at graduation is $25,930.

What is the graduation rate at Harris-Stowe State University?

Harris-Stowe State University has a graduation rate of 27.5%.

How much do Harris-Stowe State University graduates earn?

The median earnings for Harris-Stowe State University graduates 10 years after enrollment is $31,088. With median debt of $25,930, graduates earn roughly 1.2x their debt level annually.

How big is Harris-Stowe State University?

Harris-Stowe State University has approximately 960 students and is classified as a small institution. It is located in Saint Louis, MO and is a Public institution.

Is Harris-Stowe State University worth the cost?

Harris-Stowe State University has an ROI score of 11 out of 100. With in-state tuition of $7,008 per year and median post-graduation earnings of $31,088, the data suggests the return on investment may be below average.

Where is Harris-Stowe State University located?

Harris-Stowe State University is located in Saint Louis, MO. It is a Public institution with approximately 960 students.

How much student debt do Harris-Stowe State University graduates have?

The median student debt for Harris-Stowe State University graduates is $25,930. With median earnings of $31,088 ten years after enrollment, graduates can expect a debt-to-income ratio of 83%.

Is Harris-Stowe State University a good college?

Harris-Stowe State University has a graduation rate of 27.5% and median post-graduation earnings of $31,088. The majority of students (81.56%) are Black, indicating a strong focus on serving the local community.

How does Harris-Stowe State University compare to similar colleges?

The university has a low student-to-faculty ratio, which could contribute to personalized attention. Compared to peer institutions, Harris-Stowe State University offers a more affordable education for in-state students but has lower graduation and earnings rates.

What career prospects do Harris-Stowe State University graduates have?

Graduates of Harris-Stowe State University may find career opportunities in local industries, particularly in fields that serve the community.

What should prospective students know about Harris-Stowe State University?

Harris-Stowe State University is well-positioned in the local job market but may struggle to compete with larger institutions in terms of national recognition and higher earnings.

What makes Harris-Stowe State University stand out?

Median debt upon graduation is $25,930, which is relatively high compared to the tuition costs.

What are the pros and cons of attending Harris-Stowe State University?

The 10-year median earnings of $31,088 are below the national average for graduates.

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