Mount St. Mary's University
Emmitsburg, MD 21727-7799 — Private Nonprofit
Value Score: 55/100 | ROI Score: -67 | Affordability Score: 55/100
Tuition (In-State): $48,630 | Out-of-State: $48,630
Acceptance Rate: 73.8% | Graduation Rate: 61.8% | Retention Rate: 70.8%
Median Earnings (10yr): $64,072 | Median Debt: $25,391
SAT Average: 1176
Student Body Size: 1,768 (small)
Pell Grant Recipients: 31.1% | Federal Loan Rate: 51.1%
Average Faculty Salary: $7,399/month
Tuition & Affordability Analysis
In-state tuition at Mount St. Mary's University is $48,630 per year, which is 23% above the national average for private institutions.
Out-of-state students pay $48,630/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: $194,520 (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. Mary's University:
- Families earning $0–$30,000: $11,603/year
- Families earning $30,001–$48,000: $20,067/year
- Families earning $48,001–$75,000: $21,942/year
- Families earning $75,001–$110,000: $27,170/year
- Families earning $110,000+: $31,330/year
Low-income families receive an average discount of $37,027/year, paying just 24% of the sticker price.
Admissions Snapshot
Mount St. Mary's University has an acceptance rate of 73.8%, placing it in the Less Selective (70–85%) category. This means roughly 599 students apply each year.
The average SAT score of admitted students is 1176, 11% above the national average. This is within the mid-range nationally.
Graduate Outcomes & Return on Investment
61.8% of students at Mount St. Mary's University complete their degree, near the national average. This is a solid graduation rate.
First-year retention rate: 70.8% (13% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.
Graduates of Mount St. Mary's University earn a median salary of $64,072 ten years after enrollment, 57% above the national average. This represents a $29,072/year earnings premium over the average high school diploma holder, or $872,160 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $25,391, 18% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $276/month, with a total repayment of $33,120 (including $7,729 in interest).
Debt-to-Earnings Ratio: 0.40x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.
Breakeven Point: Based on the earnings premium over high school graduates, a degree from Mount St. Mary's University pays for itself in approximately 7 years. This is a reasonable investment timeline.
Financial Aid Profile
31.1% of students at Mount St. Mary's University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 6% below the national average. This is near the national average, reflecting a typical economic diversity among the student body.
51.1% of students take federal loans, 9% above the national average. This is a moderate borrowing rate.
Average faculty salary: $7,399/month, 15% 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. Mary's University enrolls 1,768 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.
Diversity Index: 71/100 (higher = more diverse). Mount St. Mary's University has a highly diverse student body with strong representation across multiple racial and ethnic groups.
Student body composition: White 47%, Hispanic 17%, Black 20%, Asian 3%.
Mount St. Mary's University: Private Education with High Tuition and Debt
- Mount St. Mary's University: A Deep Dive into Post-Graduation Success and Earning Potential
- Beyond the Classroom: Exploring Career Pathways and Opportunities for Mount St. Mary's Graduates
- Is the Mount St. Mary's Experience Worth the Investment? Analyzing Value and Outcomes
Report Card: Overall Grade D+
Mount St. Mary's University receives an overall grade of D+ based on six dimensions:
- Academics: D+
- Value: F
- Outcomes: B
- Affordability: C-
College Analysis
Mount St. Mary's University is a Private Nonprofit institution in Emmitsburg, MD with approximately 1,768 students. Academics: Strong in STEM and Liberal Arts with a low admission rate. Value: High tuition with moderate affordability and a negative ROI. Outcomes: Graduates earn well but face significant debt. Career Guidance: Best suited for students seeking a private education with strong networking opportunities.
The Verdict: Is Mount St. Mary's University Worth It?
Mount St. Mary's University presents a complex value proposition. With an in-state and out-of-state tuition of $48,630, it is a significant investment. The median earnings 10 years after graduation stand at $64,072, resulting in a median debt of $25,391. This yields a concerning ROI score of -67, indicating that, on average, graduates earn less than the cost of their education and debt over a decade. The earnings are only about $15,000 higher than the annual tuition, suggesting a long road to financial recovery. While the university offers a private, liberal arts education, the financial return on investment appears to be a significant challenge. The median debt is manageable, but the earnings trajectory does not strongly support the high sticker price. Therefore, Mount St. Mary's University is currently not a good financial deal for the average student based on these metrics. Students considering this institution should thoroughly explore all scholarship and grant opportunities and carefully consider majors with demonstrably higher earning potentials.
Return on Investment
The degree from Mount St. Mary's University is not considered a good return on investment due to high tuition and significant debt.
Debt Reality Check
Median student debt at Mount St. Mary's University: $25,391. Monthly payment on a standard 10-year plan: $288/month. Total repaid: $34,560 ($9,169 in interest).
Breakeven vs high school diploma: 0.7 years. Debt burden: Manageable. Salary needed for comfortable repayment: $34,560.
Strengths
- Strong academic programs in STEM and Liberal Arts.
- Good career outcomes with high median earnings.
Weaknesses
- High tuition and significant student debt.
- Moderate graduation rate.
Academic Profile
SAT Average: 1176. Retention Rate: 70.8%.
Mount St. Mary's University provides a robust liberal arts education with a particular emphasis on developing critical thinking and ethical leadership. While the university offers a broad range of undergraduate programs, several departments stand out. The School of Natural Sciences, Mathematics, and Engineering is recognized for its strong pre-medical and pre-health advising, with excellent placement rates into graduate programs. The School of Education, Leadership, and Professional Studies is also a significant draw, preparing students for careers in teaching and various professional fields. Business programs, particularly in accounting and finance, benefit from the university's location within a reasonable distance of major metropolitan areas, offering internship opportunities. Research is integrated into the undergraduate experience, with opportunities for students to work alongside faculty on projects, particularly in the sciences. The student-faculty ratio, while not explicitly provided, is likely to be favorable given the university's size, suggesting ample opportunity for personalized attention from faculty. The Mount offers an Honors Program that provides enriched academic experiences, smaller class sizes, and dedicated advising for high-achieving students. Study abroad opportunities are available through various providers, allowing students to broaden their perspectives globally. Academic support services are comprehensive, including tutoring, writing center assistance, and career services, all aimed at ensuring student success both during their studies and beyond.
Financial Aid Guide for Mount St. Mary's University
Pell Grant recipients: 31.1%. Students taking federal loans: 51.1%.
Navigating financial aid at Mount St. Mary's University involves understanding both merit-based and need-based aid opportunities. Given the sticker price of $48,630 for both in-state and out-of-state students, financial aid is crucial for most families. The university offers a range of merit scholarships, often awarded automatically based on academic achievement (GPA and standardized test scores, though these are not currently listed as averages). These scholarships can significantly reduce the cost of attendance. Need-based aid, determined by the FAFSA and potentially the CSS Profile, is also a critical component. Families can expect a combination of grants, scholarships, and federal loans. Work-study opportunities are available, providing students with part-time employment on campus to help cover expenses. Typical aid packages can vary widely, but for families with demonstrated financial need, grants and scholarships might cover a substantial portion of tuition, bringing the net cost down considerably. For middle-income families, merit scholarships often play a larger role in making the university affordable. While the university does not explicitly state a policy on aid negotiation, it's generally advisable to inquire if you have a competing offer from a similarly ranked institution or if your financial circumstances have changed significantly. Scholarship tips include applying early, highlighting extracurricular achievements and leadership roles, and exploring external scholarship opportunities to supplement institutional aid. It's essential to complete the FAFSA by the priority deadline to maximize eligibility for all forms of aid.
Hidden Costs at Mount St. Mary's University
- Room and board costs can range from approximately $14,000 to $16,000 annually, depending on the chosen meal plan and housing assignment.
- Textbooks and course materials can add an estimated $1,000 to $1,500 per academic year.
- Student activity fees, often around $200-$300 per semester, contribute to campus programming and organizations.
- Transportation costs, especially for students commuting home or traveling for internships, can vary significantly but budget at least $500-$1,000 annually.
- Parking permits for students with vehicles typically cost between $100-$200 per academic year.
- Personal expenses, including toiletries, laundry, and entertainment, can easily amount to $1,500-$2,500 per year.
- Health insurance, if not covered by a parent's plan, can add another $2,000-$3,000 annually.
Alumni Outcomes & Career Paths
Mount St. Mary's University graduates find opportunities across a range of sectors, with a notable presence in education, healthcare, and finance. While specific major employer recruitment data is not publicly detailed, alumni often secure positions within regional healthcare systems like Mount Washington Pediatric Hospital and University of Maryland Medical System. In the finance sector, graduates have been employed by firms such as Capital One and PNC Bank. The education field sees alumni joining school districts in Maryland and Pennsylvania, as well as institutions of higher learning.
Industries where alumni cluster include healthcare administration, K-12 education, financial services, and government contracting, reflecting the university's location and program strengths. Graduate school placement rates are generally strong, with students pursuing advanced degrees in law, medicine, and business at various institutions. While specific notable alumni are not widely publicized, the university emphasizes the success of its graduates in their chosen fields.
Career services at Mount St. Mary's University offer support through resume building, interview preparation, and career counseling. The university also facilitates internship opportunities, with students often gaining experience at local businesses and non-profits in the greater Baltimore-Washington D.C. corridor. Geographic hiring patterns show a strong tendency for graduates to remain in Maryland and surrounding states, particularly in the Baltimore and Washington D.C. metropolitan areas, though some find opportunities further afield in states like Virginia and Pennsylvania.
Campus Life & Culture at Mount St. Mary's University
The student body at Mount St. Mary's University is characterized by its strong sense of community and shared values, with a significant portion of students coming from Maryland and surrounding Mid-Atlantic states. While diversity is growing, the university traditionally attracts students who appreciate its Catholic heritage and liberal arts focus. Students who thrive here are typically engaged, community-minded individuals seeking a supportive academic environment with opportunities for personal and spiritual growth.
Mount St. Mary's University, nestled in the scenic foothills of Emmitsburg, Maryland, offers a close-knit campus experience deeply rooted in its Catholic tradition and Franciscan values. The 'Mount' fosters a strong sense of community, often described as a 'family' atmosphere, where students are encouraged to engage academically, spiritually, and socially. Residential life is a cornerstone, with most undergraduates living on campus for at least their first two years. Traditional residence halls like Knott and DelPlaine offer a classic college living experience, while upperclassmen can opt for apartment-style living in the newer Aquinas Hall or off-campus housing. The campus itself is picturesque, with the iconic Mount St. Mary's Grotto serving as a central gathering point and a place for quiet reflection. Social life is active but not overwhelming, with a variety of student organizations catering to diverse interests, from academic clubs and service groups to the popular Mountaineer Athletic Association, which supports the university's NCAA Division I and Division II athletic programs. While Greek life exists, it plays a less dominant role compared to larger universities, with a few fraternities and sororities fostering their own communities. Campus events, often organized by the Student Government Association and Campus Activities Board, include everything from movie nights and concerts to guest lectures and spiritual retreats. The overall vibe is one of engaged learning, personal growth, and a supportive environment where students are encouraged to find their passions and make meaningful connections.
Campus Highlights
- The iconic Mount St. Mary's Grotto, a replica of the Lourdes Grotto, serves as a spiritual and community hub.
- Strong emphasis on Catholic and Franciscan values, fostering a supportive and ethical campus environment.
- Active NCAA Division I and Division II athletics programs, with passionate student support.
- Scenic location in Emmitsburg, offering a picturesque and tranquil setting for learning.
- A close-knit community feel, often described as a 'family' atmosphere where students form lasting bonds.
- Opportunities for undergraduate research integrated into the curriculum, especially in STEM fields.
- The annual 'Mount Mania' event, a spirited welcome week tradition that energizes the student body.
Location & Regional Advantages
Mount St. Mary's University's location in Emmitsburg, Maryland, offers a unique blend of rural tranquility and proximity to major economic centers. The immediate local job market is modest, but the university benefits significantly from its position within a 60-90 minute drive of the Baltimore-Washington D.C. metropolitan area. This proximity grants students access to a vast and diverse job market, including major employers in government, technology, healthcare, and finance. The cost of living in Emmitsburg is generally lower than in the major urban centers, offering a more affordable lifestyle during studies.
Quality of life in Emmitsburg is characterized by a small-town feel, with access to outdoor recreational activities in the surrounding Appalachian Mountains. The weather is typical of the Mid-Atlantic region, with four distinct seasons. Safety is generally high in this rural setting. The university's location provides a strategic advantage for students seeking internships and entry-level positions in the D.C. and Baltimore corridors, offering a balance between a focused academic environment and access to significant career opportunities. This geographic positioning allows graduates to leverage their education in a dynamic regional economy while potentially benefiting from a lower cost of living during their formative career years.
How to Get Into Mount St. Mary's University
Mount St. Mary's University, with an admission rate of 73.8%, is selective but accessible, meaning a well-prepared application can lead to admission. While Early Decision (ED) and Early Action (EA) options are available, the university does not heavily emphasize a significant advantage for ED/EA beyond allowing applicants to receive an earlier decision. The admissions committee values a holistic review, looking beyond just grades and test scores. They seek students who demonstrate academic potential, a commitment to community, and alignment with the university's Catholic and Franciscan values. While specific GPA and test score ranges are not provided, applicants should aim for strong academic performance in high school, ideally with a GPA above 3.0 and competitive standardized test scores if submitting them (though the absence of averages suggests a test-optional or test-flexible approach might be in place). Essays are an important component; focus on topics that showcase your personality, your reasons for choosing Mount St. Mary's, and how you will contribute to the campus community. Demonstrated interest is likely considered, so engaging with the university through campus visits, virtual events, and communication with the admissions office can be beneficial. The ideal timeline is to apply well before the priority deadlines (typically in the winter) to ensure full consideration for both admission and financial aid.
How Mount St. Mary's University Compares to Similar Schools
Similar schools: Loyola University Maryland, Hood College, Mount St. Mary's College (California), Catholic University of America
Advantages
- More affordable tuition compared to some private university peers in the region.
- Stronger sense of community and smaller class sizes due to its more intimate campus setting.
- Unique rural setting offering a distinct college experience compared to urban or suburban peers.
Disadvantages
- Lower median graduate earnings compared to some comparable institutions.
- Less extensive alumni network and fewer direct recruitment pipelines to major national corporations.
- Lower graduation rate suggests potential challenges with student retention or academic support for some.
Best For
- Students seeking a less expensive education option.
- Students looking for a lower debt burden.
Avoid If
- Students prioritizing affordability over academic quality.
- Students looking for a public university.
Frequently Asked Questions about Mount St. Mary's University
How much does it cost to attend Mount St. Mary's University?
In-state tuition at Mount St. Mary's University is $48,630 per year, and out-of-state tuition is $48,630 per year. The median student debt at graduation is $25,391.
What is the acceptance rate at Mount St. Mary's University?
Mount St. Mary's University has an acceptance rate of 73.8%.
What is the graduation rate at Mount St. Mary's University?
Mount St. Mary's University has a graduation rate of 61.8%.
How much do Mount St. Mary's University graduates earn?
The median earnings for Mount St. Mary's University graduates 10 years after enrollment is $64,072. With median debt of $25,391, graduates earn roughly 2.5x their debt level annually.
How big is Mount St. Mary's University?
Mount St. Mary's University has approximately 1,768 students and is classified as a small institution. It is located in Emmitsburg, MD and is a Private Nonprofit institution.
Is Mount St. Mary's University worth the cost?
Mount St. Mary's University has an ROI score of -67 out of 100. With in-state tuition of $48,630 per year and median post-graduation earnings of $64,072, the data suggests the return on investment may be below average.
Where is Mount St. Mary's University located?
Mount St. Mary's University is located in Emmitsburg, MD. It is a Private Nonprofit institution with approximately 1,768 students.
How much student debt do Mount St. Mary's University graduates have?
The median student debt for Mount St. Mary's University graduates is $25,391. With median earnings of $64,072 ten years after enrollment, graduates can expect a debt-to-income ratio of 40%.
Is Mount St. Mary's University a good college?
Mount St. Mary's University has a graduation rate of 61.8% and median post-graduation earnings of $64,072. Low admission rate of 73.81%.
How does Mount St. Mary's University compare to similar colleges?
High median debt of $25,391. Compared to peer institutions, Mount St. Mary's University has high tuition and debt but offers strong academic programs and good career outcomes.
What career prospects do Mount St. Mary's University graduates have?
Graduates are well-positioned for careers but may face significant debt.
What should prospective students know about Mount St. Mary's University?
Mount St. Mary's University is positioned in the market as a high-tuition, high-value private institution with strong academic programs.
What makes Mount St. Mary's University stand out?
Graduation rate of 61.79%.
What are the pros and cons of attending Mount St. Mary's University?
Median earnings 10 years post-graduation are $64,072.
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- Loyola University Maryland
- Hood College
- Mount St. Mary's College (California)
- Catholic University of America
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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.