CollegeTuitionData — College Data in Plain English

Mount St. Joseph University

Cincinnati, OH 45233-1670 — Private Nonprofit

Value Score: 60/100 | ROI Score: -66 | Affordability Score: 55/100

Tuition (In-State): $38,150 | Out-of-State: $38,150

Acceptance Rate: 59.1% | Graduation Rate: 55.6% | Retention Rate: 68.7%

Median Earnings (10yr): $51,509 | Median Debt: $26,827

SAT Average: 1183 | ACT Midpoint: 24

Student Body Size: 1,129 (small)

Pell Grant Recipients: 30.3% | Federal Loan Rate: 54.3%

Average Faculty Salary: $7,744/month

Tuition & Affordability Analysis

In-state tuition at Mount St. Joseph University is $38,150 per year, which is 3% below the national average for private institutions.

Out-of-state students pay $38,150/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: $152,600 (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 Mount St. Joseph University:

  • Families earning $0–$30,000: $11,689/year
  • Families earning $30,001–$48,000: $12,602/year
  • Families earning $48,001–$75,000: $13,817/year
  • Families earning $75,001–$110,000: $18,092/year
  • Families earning $110,000+: $21,682/year

Low-income families receive an average discount of $26,461/year, paying just 31% of the sticker price.

Admissions Snapshot

Mount St. Joseph University has an acceptance rate of 59.1%, placing it in the Moderately Selective (50–70%) category. This means roughly 477 students apply each year.

The average SAT score of admitted students is 1183, 12% above the national average. This is within the mid-range nationally.

The ACT midpoint is 24, 14% above the national average.

Graduate Outcomes & Return on Investment

55.6% of students at Mount St. Joseph University complete their degree, 10% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 68.7% (15% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Mount St. Joseph University earn a median salary of $51,509 ten years after enrollment, 26% above the national average. This represents a $16,509/year earnings premium over the average high school diploma holder, or $495,270 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $26,827, 25% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $291/month, with a total repayment of $34,920 (including $8,093 in interest).

Debt-to-Earnings Ratio: 0.52x. 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 Mount St. Joseph University pays for itself in approximately 10 years. This is a reasonable investment timeline.

Financial Aid Profile

30.3% of students at Mount St. Joseph University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 8% below the national average. This is near the national average, reflecting a typical economic diversity among the student body.

54.3% of students take federal loans, 16% above the national average. This is a moderate borrowing rate.

Average faculty salary: $7,744/month, 11% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Mount St. Joseph University enrolls 1,129 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 45/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 72%, Hispanic 6%, Black 14%, Asian 0%.

Mount St. Joseph University: A Small Private Institution with Mixed Academic and Financial Outcomes

Report Card: Overall Grade D+

Mount St. Joseph University receives an overall grade of D+ based on six dimensions:

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

College Analysis

Mount St. Joseph University is a Private Nonprofit institution in Cincinnati, OH with approximately 1,129 students. Academics: Offers a range of programs with a strong emphasis on liberal arts and sciences. Value: Moderate tuition with a relatively low affordability score, indicating potential financial strain. Outcomes: Graduates have a median earning potential of $51,509 after 10 years, but a low graduation rate. Career Guidance: Graduates are well-prepared for careers in various fields, but may face challenges in finding employment.

The Verdict: Is Mount St. Joseph University Worth It?

Mount St. Joseph University presents a challenging value proposition, primarily due to its median 10-year earnings of $51,509 falling significantly below its sticker price and the median debt of $26,827. With an out-of-state tuition of $38,150, a student would need to work for approximately 10 months at their median post-graduation salary just to cover one year's tuition, not including living expenses or interest on loans. The ROI score of -66 further underscores this concern, indicating that the financial return on investment is considerably negative in the long term. While the university offers valuable educational experiences and personal development, the financial outcomes suggest that graduates may struggle to recoup their investment quickly. The median earnings are modest, especially when compared to the cost of attendance and the average debt burden. This suggests that while MSJU might be a good fit for students seeking a specific program or a particular campus environment, it is not a clear financial win. For students prioritizing a strong financial return, other institutions might offer a more favorable cost-benefit ratio. Therefore, MSJU appears to be an overpriced option for many, unless significant financial aid or scholarships are available to bridge the substantial gap between cost and earning potential. A clear recommendation is to approach with caution and thoroughly explore all financial aid options.

Return on Investment

While the degree from Mount St. Joseph University can lead to good earnings, the high cost and low graduation rate may make it a less financially sound choice.

Debt Reality Check

Median student debt at Mount St. Joseph University: $26,827. Monthly payment on a standard 10-year plan: $305/month. Total repaid: $36,600 ($9,773 in interest).

Breakeven vs high school diploma: 1.2 years. Debt burden: Manageable. Salary needed for comfortable repayment: $36,600.

Strengths

  • Strong liberal arts and sciences programs
  • Community-focused campus environment
  • Highly selective admissions process

Weaknesses

  • Low graduation rate
  • Moderate to high tuition costs
  • Above-average student debt

Academic Profile

SAT Average: 1183. ACT Midpoint: 24. Retention Rate: 68.7%.

Mount St. Joseph University offers a robust academic environment with a particular emphasis on programs that blend liberal arts foundations with professional preparation. The College of Nursing and Health Sciences is a standout, consistently producing highly sought-after graduates for the Cincinnati healthcare market. Other strong departments include Education, Business, and the Arts, all benefiting from the university's commitment to experiential learning.

Faculty quality is a key strength, with a student-faculty ratio that allows for personalized attention and mentorship. While specific faculty salary data isn't readily available, the university's private, nonprofit status and commitment to undergraduate education suggest a dedicated teaching faculty. Research opportunities are available, particularly for students in science and health-related fields, often involving faculty-led projects. The Honors Program provides an enriched academic experience for high-achieving students, offering smaller class sizes, advanced coursework, and opportunities for independent study.

Academic support is comprehensive, with resources like the Academic Success Center offering tutoring, writing assistance, and academic coaching. Study abroad programs, though perhaps not as extensive as at larger institutions, provide valuable global perspectives. The university encourages students to engage deeply with their chosen fields, fostering critical thinking and problem-solving skills essential for post-graduation success. Programs like the Bachelor of Science in Nursing and the Master of Occupational Therapy are particularly well-regarded.

Financial Aid Guide for Mount St. Joseph University

Pell Grant recipients: 30.3%. Students taking federal loans: 54.3%.

Navigating financial aid at Mount St. Joseph University involves understanding both merit-based and need-based aid opportunities. As a private institution, MSJ offers a range of scholarships and grants designed to make its education accessible. Incoming freshmen can expect to be considered for merit scholarships based on their academic profile (GPA, coursework rigor), often ranging from $10,000 to $25,000 annually, sometimes more for exceptional candidates. These are typically awarded automatically upon admission, but it's always wise to check specific scholarship application deadlines.

Need-based aid is also a significant component. Families are strongly encouraged to complete the FAFSA (Free Application for Federal Student Aid) by the priority deadline, typically in the spring, to be considered for federal grants like the Pell Grant (if eligible), federal loans, and state aid. MSJ also offers its own institutional grants and scholarships based on financial need, which can significantly reduce the out-of-pocket cost. For students demonstrating high financial need, institutional aid could potentially cover a substantial portion of the $38,150 tuition, bringing the net price down considerably.

Work-study opportunities are available through the federal work-study program and institutional employment, providing students with part-time jobs on campus to help cover living expenses. Typical aid packages can vary widely, but for students with demonstrated need and strong academic merit, a combination of scholarships, grants, and loans could reduce the total cost of attendance by $20,000-$30,000 or more annually. While MSJ is generally considered receptive to aid negotiation, especially if you have competing offers from similar institutions or a significant change in financial circumstances, it's crucial to present your case clearly and professionally with supporting documentation. Scholarship tips include applying for external scholarships and highlighting unique talents or experiences in any required essays.

Hidden Costs at Mount St. Joseph University

  • Room and board costs can add an estimated $12,000 - $15,000 per academic year, depending on the chosen housing and meal plan.
  • Textbooks and course materials can range from $800 to $1,200 annually, with costs varying significantly by major.
  • Student activity fees, often around $200-$400 per semester, support campus organizations and events.
  • Transportation costs, including potential parking permits (estimated $100-$300 annually) and travel to and from campus, should be factored in.
  • Personal expenses, such as toiletries, laundry, entertainment, and snacks, can easily add $1,500 - $2,500 per year.
  • Health insurance, if not covered by a parent's plan, can cost upwards of $2,000 - $3,000 annually through the university's plan.
  • Lab fees or program-specific material fees, particularly in science or art programs, might add $100-$500 per semester.

Alumni Outcomes & Career Paths

Mount St. Joseph University (MSJU) graduates enter a diverse job market, with many finding opportunities within the greater Cincinnati metropolitan area and surrounding regions. While specific data on major employers actively recruiting MSJU graduates is not publicly detailed, institutions of this size and type often see alumni placed in healthcare, education, social services, and business sectors. Given its location, prominent healthcare systems like TriHealth, Mercy Health (part of Bon Secours Mercy Health), and Cincinnati Children's Hospital Medical Center are likely significant employers of MSJU alumni, particularly those in nursing, health sciences, and related fields. The education sector also presents opportunities, with graduates potentially finding roles in Cincinnati Public Schools and surrounding school districts. Business and finance roles may lead alumni to companies such as Fifth Third Bank, Procter & Gamble, and Kroger, which have substantial operations in the region.

MSJU's focus on liberal arts and professional programs means alumni can be found across a broad spectrum of industries. While specific graduate school placement rates are not readily available, the university likely supports students pursuing advanced degrees in fields like counseling, education, and health professions. The quality of career services at MSJU is crucial for bridging the gap between academic learning and professional placement. While detailed metrics are scarce, typical services would include resume workshops, interview preparation, and career counseling. Internship pipelines are vital for student success; MSJU likely leverages its local connections to facilitate internships in healthcare facilities, non-profits, and businesses within the Cincinnati area. Geographic hiring patterns for MSJU graduates tend to be concentrated in Ohio and Northern Kentucky, reflecting the university's regional focus and the strong presence of its alumni network in these areas.

Campus Life & Culture at Mount St. Joseph University

Mount St. Joseph University attracts a student body that values a supportive, community-focused environment and often seeks strong preparation for careers in healthcare and education. The student population tends to be predominantly from Ohio, with a significant portion being first-generation college students who thrive in the university's nurturing atmosphere.

Mount St. Joseph University, often called 'The Mount,' cultivates a close-knit and supportive campus community, deeply rooted in its Catholic Franciscan heritage. The 'vibe' here is one of genuine care and personal attention, where students often know each other and their professors by name. The campus itself, nestled in the peaceful West Price Hill neighborhood of Cincinnati, offers a blend of historic architecture and modern facilities, creating an inviting atmosphere for learning and socializing.

Student organizations are a vibrant part of life, with over 50 clubs and organizations catering to a wide range of interests, from academic societies and cultural groups to service-oriented initiatives. The Student Government Association plays a key role in shaping campus life and advocating for student needs. While Greek life isn't a dominant force, there are opportunities for involvement in social fraternities and sororities that complement the broader campus social scene.

Athletics are a significant draw, with the Mount St. Joseph Lions competing in the NCAA Division III Heartland Collegiate Athletic Conference (HCAC). Sports like basketball, soccer, and volleyball often have strong followings, fostering school spirit and providing avenues for both participation and spectating.

Residential life is an integral part of the Mount experience, with several on-campus housing options available for freshmen and upperclassmen, fostering a sense of community and convenience. Dining services offer a variety of options to meet student needs, with meal plans designed to be flexible. The overall atmosphere is one of academic focus balanced with a strong sense of community, where students are encouraged to grow intellectually, spiritually, and socially.

Campus Highlights

  • The strong emphasis on Franciscan values, promoting a compassionate and service-oriented campus culture.
  • The highly respected College of Nursing and Health Sciences, a major draw for students pursuing careers in healthcare.
  • A close-knit community feel where students and faculty often form strong mentor relationships.
  • The scenic campus located in the established West Price Hill neighborhood of Cincinnati.
  • Active NCAA Division III athletics program, the Mount St. Joseph Lions, fostering school spirit.
  • Commitment to experiential learning, including internships and community engagement opportunities.

Location & Regional Advantages

Mount St. Joseph University's location in Cincinnati, Ohio, offers a blend of urban advantages and Midwestern affordability. Cincinnati boasts a diverse and growing economy, with strong sectors in healthcare, advanced manufacturing, finance, and consumer goods. This provides a robust local job market for MSJU graduates, particularly in fields aligned with the university's program strengths. Major employers like TriHealth, Mercy Health, GE Aviation, Procter & Gamble, and Fifth Third Bank offer significant employment opportunities within a reasonable commute. The cost of living in Cincinnati is generally lower than the national average, making it an attractive place to start a career and build financial stability, especially when compared to coastal cities.

While Cincinnati doesn't sit at the nexus of a specific national industry hub like Silicon Valley or New York City, its strategic position in the Midwest provides good access to other major markets. Proximity to cities like Columbus, Indianapolis, and Louisville allows for broader career exploration. The quality of life in Cincinnati is often cited as a positive factor, with a vibrant arts and culture scene, professional sports teams, and numerous parks and recreational areas. The weather is typical of the Midwest, with four distinct seasons, including warm summers and cold winters. Safety is generally comparable to other mid-sized American cities, with variations across neighborhoods. For MSJU graduates, this location offers a solid foundation for launching careers, with a good balance of job availability, affordability, and quality of life, fostering strong regional employment patterns.

How to Get Into Mount St. Joseph University

Mount St. Joseph University employs a holistic review process, meaning they consider a range of factors beyond just GPA and test scores (which are not a primary focus, given the lack of reported averages). Your academic record, including the rigor of your high school coursework and your GPA, will be important. Since the admission rate is around 59.1%, demonstrating a strong academic foundation is key.

What the admissions office likely values most is a clear sense of purpose and a good fit with the university's mission and values, which are rooted in Franciscan traditions of service, compassion, and academic excellence. Your application essay is a crucial opportunity to showcase your personality, your motivations for choosing MSJ, and how you align with these values. Consider essays that reflect on experiences where you've demonstrated leadership, service, or overcome challenges.

Demonstrated interest is likely important; ensure you engage with the university through campus visits (virtual or in-person), attending information sessions, and connecting with admissions counselors. This shows genuine enthusiasm. While Mount St. Joseph University does not appear to have Early Decision or Early Action options prominently advertised, applying well before the standard deadlines (typically February or March for fall admission) is always advisable to ensure full consideration for both admission and scholarships. Focus on presenting a well-rounded application that highlights your academic achievements, extracurricular involvement, and personal qualities.

How Mount St. Joseph University Compares to Similar Schools

Similar schools: Xavier University, University of Cincinnati, Northern Kentucky University, Thomas More University

Advantages

  • Stronger focus on specific liberal arts and nursing programs compared to larger public universities.
  • Smaller class sizes and more personalized attention potentially available due to its size.
  • Established network within the Catholic and healthcare communities in the Cincinnati area.

Disadvantages

  • Lower median graduate earnings compared to some peers, particularly larger public institutions.
  • Less brand recognition and broader alumni network compared to larger, more established universities.
  • Higher sticker price for private education compared to public university options like the University of Cincinnati.

Best For

  • Students seeking a highly selective, large-scale research university may find Mount St. Joseph University less suitable.
  • Students prioritizing high graduation rates and low student debt may want to consider other options.

Avoid If

  • Students looking for a strong liberal arts education with a focus on community and personal development may find Mount St. Joseph University a good fit.
  • Students seeking a more diverse student body may want to explore other institutions.

Frequently Asked Questions about Mount St. Joseph University

How much does it cost to attend Mount St. Joseph University?

In-state tuition at Mount St. Joseph University is $38,150 per year, and out-of-state tuition is $38,150 per year. The median student debt at graduation is $26,827.

What is the acceptance rate at Mount St. Joseph University?

Mount St. Joseph University has an acceptance rate of 59.1%.

What is the graduation rate at Mount St. Joseph University?

Mount St. Joseph University has a graduation rate of 55.6%.

How much do Mount St. Joseph University graduates earn?

The median earnings for Mount St. Joseph University graduates 10 years after enrollment is $51,509. With median debt of $26,827, graduates earn roughly 1.9x their debt level annually.

How big is Mount St. Joseph University?

Mount St. Joseph University has approximately 1,129 students and is classified as a small institution. It is located in Cincinnati, OH and is a Private Nonprofit institution.

Is Mount St. Joseph University worth the cost?

Mount St. Joseph University has an ROI score of -66 out of 100. With in-state tuition of $38,150 per year and median post-graduation earnings of $51,509, the data suggests the return on investment may be below average.

Where is Mount St. Joseph University located?

Mount St. Joseph University is located in Cincinnati, OH. It is a Private Nonprofit institution with approximately 1,129 students.

How much student debt do Mount St. Joseph University graduates have?

The median student debt for Mount St. Joseph University graduates is $26,827. With median earnings of $51,509 ten years after enrollment, graduates can expect a debt-to-income ratio of 52%.

Is Mount St. Joseph University a good college?

Mount St. Joseph University has a graduation rate of 55.6% and median post-graduation earnings of $51,509. Highly selective admissions with a 59.12% acceptance rate.

How does Mount St. Joseph University compare to similar colleges?

Primarily white student body with a small percentage of Asian students. Compared to peer institutions, Mount St. Joseph University offers a strong liberal arts education but struggles with affordability and graduation rates.

What career prospects do Mount St. Joseph University graduates have?

Graduates are well-prepared for a variety of careers but may face challenges in finding employment due to the low graduation rate.

What should prospective students know about Mount St. Joseph University?

Mount St. Joseph University is positioned in a competitive market among small private institutions, offering a unique liberal arts focus but with financial and academic challenges.

What makes Mount St. Joseph University stand out?

Median student debt is above the national average for private institutions.

What are the pros and cons of attending Mount St. Joseph University?

Graduation rate is below the national average for private institutions.

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