CollegeTuitionData — College Data in Plain English

Montreat College

Montreat, NC 28757-1267 — Private Nonprofit

Value Score: 60/100 | ROI Score: -69 | Affordability Score: 35/100

Tuition (In-State): $36,450 | Out-of-State: $36,450

Acceptance Rate: 69.2% | Graduation Rate: 45.2% | Retention Rate: 58.9%

Median Earnings (10yr): $45,151 | Median Debt: $25,813

ACT Midpoint: 25

Student Body Size: 762 (small)

Pell Grant Recipients: 39.1% | Federal Loan Rate: 67.7%

Average Faculty Salary: $6,390/month

Tuition & Affordability Analysis

In-state tuition at Montreat College is $36,450 per year, which is 7% below the national average for private institutions.

Out-of-state students pay $36,450/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: $145,800 (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 Montreat College:

  • Families earning $0–$30,000: $23,261/year
  • Families earning $30,001–$48,000: $24,904/year
  • Families earning $48,001–$75,000: $25,075/year
  • Families earning $75,001–$110,000: $25,700/year
  • Families earning $110,000+: $30,607/year

Low-income families receive an average discount of $13,189/year, paying just 64% of the sticker price.

Admissions Snapshot

Montreat College has an acceptance rate of 69.2%, placing it in the Moderately Selective (50–70%) category. This means roughly 275 students apply each year.

The ACT midpoint is 25, 19% above the national average.

Graduate Outcomes & Return on Investment

45.2% of students at Montreat College complete their degree, 27% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 58.9% (27% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Montreat College earn a median salary of $45,151 ten years after enrollment, 10% above the national average. This represents a $10,151/year earnings premium over the average high school diploma holder, or $304,530 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $25,813, 20% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $280/month, with a total repayment of $33,600 (including $7,787 in interest).

Debt-to-Earnings Ratio: 0.57x. 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 Montreat College pays for itself in approximately 15 years. This is a longer payback period — consider whether your intended major leads to higher-earning career paths.

Financial Aid Profile

39.1% of students at Montreat 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.

67.7% of students take federal loans, 44% 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: $6,390/month, 27% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Montreat College enrolls 762 undergraduate students. As a small institution, students can expect smaller class sizes, closer faculty relationships, and a tight-knit campus community.

Diversity Index: 59/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 62%, Hispanic 2%, Black 12%, Asian 1%.

Montreat College: A Small, Private Institution Focused on Liberal Arts Education

Report Card: Overall Grade D+

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

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

College Analysis

Montreat College is a Private Nonprofit institution in Montreat, NC with approximately 762 students. Montreat College has a strong focus on liberal arts with a low student-to-faculty ratio, enhancing academic engagement. The college offers a relatively low tuition compared to its peers, making it more affordable. Graduates have a median earning potential of $45,151 after 10 years, indicating a decent career outcome.

The Verdict: Is Montreat College Worth It?

Montreat College presents a challenging value proposition, particularly when considering its median 10-year earnings of $45,151 against its tuition cost and median debt. With an out-of-state tuition of $36,450, a bachelor's degree could accumulate significant debt, potentially exceeding $100,000 over four years, before living expenses. The median debt of $25,813 is substantial relative to the earnings. The ROI score of -69 strongly indicates that, on average, graduates do not recoup their investment within a typical timeframe, and may struggle to out-earn their debt and educational expenses compared to national averages. The graduation rate of 45.2% also raises concerns about student success and program completion. While the school offers a specific type of educational experience, the financial return appears to be a significant drawback. It is not a good deal for most students focused on maximizing financial return on investment. A clear recommendation is to approach Montreat College with extreme caution, thoroughly exploring all financial aid options and considering alternative institutions with stronger financial outcomes.

Return on Investment

While the tuition is affordable and the median earnings are decent, the low graduation rate and limited job placement services make the return on investment questionable.

Debt Reality Check

Median student debt at Montreat College: $25,813. Monthly payment on a standard 10-year plan: $293/month. Total repaid: $35,160 ($9,347 in interest).

Breakeven vs high school diploma: 1.7 years. Debt burden: Manageable. Salary needed for comfortable repayment: $35,160.

Strengths

  • Strong focus on liberal arts and faith-based education
  • Low tuition and student debt
  • Relatively low student-to-faculty ratio

Weaknesses

  • Lower-than-average graduation rate
  • Limited diversity in student demographics
  • Niche market positioning

Academic Profile

ACT Midpoint: 25. Retention Rate: 58.9%.

Montreat College, a private, Christian liberal arts institution, offers a focused academic experience with a strong emphasis on integrating faith with learning. While specific departmental strengths can vary, programs like Business, Psychology, and various Ministry-related fields often attract significant student interest, reflecting the college's mission. The relatively small student body of 762 suggests a favorable student-faculty ratio, likely fostering close mentorship and personalized attention from professors. Although faculty salary data is not provided, the intimate class sizes typical of such institutions often mean faculty are highly accessible for academic advising, research collaboration, and one-on-one support. Montreat offers opportunities for undergraduate research, particularly within departments that align with faculty expertise and student interests. The college also provides an Honors Program for academically gifted students, offering enriched coursework and a more challenging academic path. Study abroad opportunities, while perhaps not as extensive as at larger universities, are available and encouraged as a means of broadening students' perspectives and deepening their understanding of global issues within a Christian worldview. Academic support services are crucial for student success, and Montreat likely offers resources such as tutoring, writing centers, and academic advising to help students navigate their coursework and achieve their academic goals. Students seeking a rigorous academic environment that is deeply rooted in Christian values will find Montreat College a supportive and engaging place to learn and grow.

Financial Aid Guide for Montreat College

Pell Grant recipients: 39.1%. Students taking federal loans: 67.7%.

Navigating the financial aid landscape at Montreat College requires understanding its commitment to affordability within its private, nonprofit framework. While specific figures for merit aid availability and typical aid packages are not publicly detailed, it's reasonable to infer that Montreat, like many private institutions, offers a combination of merit-based scholarships and need-based aid. Merit scholarships are often awarded based on academic achievement (GPA, high school coursework) and may be automatically considered upon admission, or require a separate application. Need-based aid, determined by the Free Application for Federal Student Aid (FAFSA) and potentially the CSS Profile, aims to bridge the gap between the cost of attendance and what a family can reasonably afford. Given the stated tuition of $36,450, families should anticipate that a significant portion of this cost may be offset by aid. Work-study opportunities are likely available, providing students with on-campus employment to earn money towards their educational expenses. For families with lower incomes, Pell Grants and state-specific grants will be crucial components of their aid package, in addition to institutional aid. For middle-income families, institutional grants and scholarships will play a larger role. Scholarship tips include applying early, researching external scholarships from religious organizations or community foundations, and highlighting any unique talents or experiences in scholarship essays. Negotiating aid at a smaller institution like Montreat can be challenging; while not impossible, it's generally more effective if you have a competing offer from a similarly-ranked institution or can demonstrate a significant change in financial circumstances. It's essential to contact the Montreat College Financial Aid Office directly to discuss your specific situation and understand the full range of aid options available.

Hidden Costs at Montreat College

  • Room and board costs, which can range from $10,000 to $14,000 annually, are in addition to tuition.
  • Textbooks and course materials can easily add $1,000 to $1,500 per academic year.
  • Student activity fees, often around $200-$400 per semester, cover campus events and organizations.
  • Personal expenses, including toiletries, laundry, and entertainment, can amount to $1,500-$2,500 per year.
  • Transportation costs, especially for students who travel home frequently or need a car, can vary widely but should be budgeted for.
  • Health insurance, if not covered by a parent's plan, can add $2,000-$4,000 annually.
  • Parking permits, if applicable for students with vehicles, might cost $100-$300 per year.

Alumni Outcomes & Career Paths

Montreat College, a private nonprofit institution in Montreat, North Carolina, serves a student body of approximately 762. While specific data on major employers actively recruiting from Montreat is not publicly detailed, graduates typically find opportunities in sectors aligned with its academic programs. Common industries for alumni include education, healthcare, business administration, and ministry. Given its location and size, it's likely that regional healthcare systems such as Mission Health (part of HCA Healthcare) in nearby Asheville, local school districts, and various non-profit organizations are significant employers. Business administration graduates might find roles in regional banks or smaller enterprises. For those pursuing ministry, churches and faith-based organizations are primary destinations. Graduate school placement rates are not explicitly published, but programs like psychology and education often see students continue their studies at the master's or doctoral level. Notable alumni are not widely publicized, suggesting a focus on community impact rather than national recognition. Career services at smaller institutions like Montreat often provide personalized attention, focusing on resume building, interview skills, and connecting students with local and regional internship opportunities. Internship pipelines are likely developed through faculty connections and local partnerships, potentially including placements at organizations like the YMCA, local government offices, or churches. Geographic hiring patterns tend to favor the Western North Carolina region, with some graduates potentially moving to larger North Carolina cities like Charlotte or Raleigh, or to neighboring states like Tennessee and Georgia, depending on their field of study and career aspirations.

Campus Life & Culture at Montreat College

Montreat College attracts students seeking a focused, faith-based educational experience within a close-knit community. The student body is predominantly from the Southeastern United States, with a growing representation from other regions. Students who thrive here are typically those who value spiritual growth, community engagement, and a connection to nature, and who are looking for a supportive environment to explore their academic and personal calling.

Nestled in the picturesque town of Montreat, North Carolina, Montreat College offers a distinctively Christian and community-focused campus experience. With a student body of around 762, the atmosphere is intimate, fostering strong relationships among students, faculty, and staff. The college's location in the Blue Ridge Mountains provides unparalleled opportunities for outdoor recreation, from hiking and climbing to simply enjoying the stunning natural beauty that surrounds the campus. This environment heavily influences the student vibe, which is often described as peaceful, reflective, and community-oriented. Social life tends to revolve around campus events, small group ministries, and shared outdoor adventures rather than large, off-campus parties. Student organizations are active, with a strong emphasis on spiritual development, service, and academic clubs. While Montreat College does not have Greek life, the absence is filled by a close-knit community where students often find their 'people' through shared interests and faith. Housing is primarily traditional dormitories, encouraging students to live and learn together. Dining services provide a communal gathering space, with meal plans designed to foster community interaction. Athletics are an important part of the Montreat experience, with NAIA teams competing in various sports, providing opportunities for both athletes and enthusiastic fans. The overall 'vibe' is one of intentional community, spiritual growth, and a deep appreciation for the natural world, making it an ideal setting for students seeking a focused and supportive college journey.

Campus Highlights

  • Breathtaking location in the Blue Ridge Mountains, offering unparalleled natural beauty and outdoor recreation.
  • Strong Christian community and emphasis on integrating faith with academics and daily life.
  • Intimate campus size fostering close relationships and personalized attention.
  • Active outdoor ministry and adventure programs, leveraging the surrounding natural environment.
  • Commitment to affordability and providing a supportive environment for students.
  • NAIA athletic programs offering opportunities for student-athletes and a spirited campus fan base.

Location & Regional Advantages

Montreat College's location in Montreat, North Carolina, nestled in the Blue Ridge Mountains near Asheville, offers a unique blend of natural beauty and burgeoning regional opportunities. The local job market, while not a major metropolitan hub, is anchored by Asheville's growing economy, which has seen expansion in healthcare, tourism, craft beverages, and technology. Mission Health, a large healthcare provider, is a significant employer in the area. The cost of living in the Montreat/Asheville area is generally lower than the national average, though it has been increasing, particularly in desirable areas. Proximity to Asheville provides access to a more diverse job market and cultural amenities. The quality of life is a major draw, with abundant outdoor recreational activities like hiking, biking, and exploring the Blue Ridge Parkway. The weather is characterized by four distinct seasons, with mild summers and cool, snowy winters. Safety is generally good in this mountain community, though like any area, it requires standard precautions. This location can be advantageous for students seeking a close-knit community and a connection to nature, but it may present challenges for those seeking immediate employment in highly specialized or large-scale industries that are concentrated in major metropolitan centers. Post-graduation career opportunities are often found within the regional economy or require relocation to larger hubs.

How to Get Into Montreat College

Montreat College, with an admission rate of 69.2%, is selective but accessible, suggesting that a well-rounded application demonstrating academic preparedness and alignment with the college's Christian mission is key. While Early Decision (ED) and Early Action (EA) are not explicitly detailed, applying early is generally advisable for any college to demonstrate strong interest and secure a spot. Montreat likely values applicants who not only meet academic benchmarks but also show a commitment to community and spiritual growth. Focus on your GPA and high school coursework; while SAT/ACT scores are not provided, strong academic performance is paramount. Essays are a critical opportunity to showcase your personality, values, and how you envision contributing to the Montreat community. Consider topics that reflect your faith journey, your desire for a Christian education, or your passion for a particular field of study. Demonstrated interest can be shown through campus visits (highly recommended given the college's unique setting), attending virtual information sessions, and engaging with admissions counselors. The admissions committee will be looking for students who will thrive in a close-knit, faith-based environment. A recommended timeline would be to finalize your college list by the summer before your senior year, begin the application process in the fall, and aim to submit by the priority deadlines (often in December or January) to maximize scholarship and aid opportunities.

How Montreat College Compares to Similar Schools

Similar schools: Mars Hill University, Carson-Newman University, King University, Brevard College

Advantages

  • Strong emphasis on Christian values and a liberal arts education, appealing to a specific student demographic.
  • Scenic and tranquil mountain campus environment offering a unique, focused academic setting.
  • Smaller class sizes potentially allowing for more personalized faculty interaction.

Disadvantages

  • Lower graduation rates compared to many peers, suggesting potential challenges in student retention or program completion.
  • Significantly lower median alumni earnings compared to many comparable institutions, indicating a weaker return on investment.
  • Limited geographic reach for post-graduation employment opportunities without relocation.

Best For

  • Students seeking a large campus or a wide range of extracurricular activities may find Montreat College less appealing.
  • Prospective students interested in high-earning careers may need to consider other institutions with higher graduation rates and better job placement services.

Avoid If

  • Students looking for a more diverse student body or a broader range of academic programs may want to explore other options.
  • Those seeking a more urban or suburban location might prefer to look elsewhere.

Frequently Asked Questions about Montreat College

How much does it cost to attend Montreat College?

In-state tuition at Montreat College is $36,450 per year, and out-of-state tuition is $36,450 per year. The median student debt at graduation is $25,813.

What is the acceptance rate at Montreat College?

Montreat College has an acceptance rate of 69.2%.

What is the graduation rate at Montreat College?

Montreat College has a graduation rate of 45.2%.

How much do Montreat College graduates earn?

The median earnings for Montreat College graduates 10 years after enrollment is $45,151. With median debt of $25,813, graduates earn roughly 1.7x their debt level annually.

How big is Montreat College?

Montreat College has approximately 762 students and is classified as a small institution. It is located in Montreat, NC and is a Private Nonprofit institution.

Is Montreat College worth the cost?

Montreat College has an ROI score of -69 out of 100. With in-state tuition of $36,450 per year and median post-graduation earnings of $45,151, the data suggests the return on investment may be below average.

Where is Montreat College located?

Montreat College is located in Montreat, NC. It is a Private Nonprofit institution with approximately 762 students.

How much student debt do Montreat College graduates have?

The median student debt for Montreat College graduates is $25,813. With median earnings of $45,151 ten years after enrollment, graduates can expect a debt-to-income ratio of 57%.

Is Montreat College a good college?

Montreat College has a graduation rate of 45.2% and median post-graduation earnings of $45,151. Montreat College has a high percentage of white students (62.47%) and a low percentage of Asian students (0.92%).

How does Montreat College compare to similar colleges?

The college has a low median debt of $25,813, which is lower than the national average. Compared to peer institutions, Montreat College offers a more affordable tuition and lower student debt, but its graduation rate is lower.

What career prospects do Montreat College graduates have?

Graduates of Montreat College are well-prepared for careers in the arts, ministry, and education, thanks to the college's strong liberal arts focus.

What should prospective students know about Montreat College?

Montreat College is positioned in a niche market, catering to students who value a small, private, and faith-based educational experience.

What makes Montreat College stand out?

The admission rate is 69.2%, indicating a relatively selective admissions process.

What are the pros and cons of attending Montreat College?

The college's graduation rate is 45.24%, which is below the national average.

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