Saint Cloud State University

Saint Cloud, MN 56301-4498 — Public

Value Score: 65/100 | ROI Score: 36 | Affordability Score: 90/100

Tuition (In-State): $10,245 | Out-of-State: $10,245

Acceptance Rate: 94.8% | Graduation Rate: 43.9% | Retention Rate: 70.7%

Median Earnings (10yr): $55,813 | Median Debt: $21,058

SAT Average: 1092 | ACT Midpoint: 21

Student Body Size: 5,088 (medium)

Pell Grant Recipients: 21.7% | Federal Loan Rate: 23.5%

Average Faculty Salary: $11,863/month

Tuition & Affordability Analysis

In-state tuition at Saint Cloud State University is $10,245 per year, which is 6% below the national average for public institutions.

Out-of-state students pay $10,245/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: $40,980 (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 Saint Cloud State University:

Families earning $0–$30,000: $8,909/year
Families earning $30,001–$48,000: $9,871/year
Families earning $48,001–$75,000: $12,034/year
Families earning $75,001–$110,000: $14,781/year
Families earning $110,000+: $18,989/year

Low-income families receive an average discount of $1,336/year, paying just 87% of the sticker price.

Admissions Snapshot

Saint Cloud State University has an acceptance rate of 94.8%, placing it in the Open Admission (85%+) category. This means roughly 1,342 students apply each year.

Saint Cloud State University accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

The average SAT score of admitted students is 1092, 3% above the national average. This is within the mid-range nationally.

The ACT midpoint is 21, near the national average.

Graduate Outcomes & Return on Investment

43.9% of students at Saint Cloud State University complete their degree, 29% below the national average. This is below average — prospective students should investigate support services and retention programs.

First-year retention rate: 70.7% (13% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Saint Cloud State University earn a median salary of $55,813 ten years after enrollment, 36% above the national average. This represents a $20,813/year earnings premium over the average high school diploma holder, or $624,390 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $21,058, near the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $229/month, with a total repayment of $27,480 (including $6,422 in interest).

Debt-to-Earnings Ratio: 0.38x. 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 Saint Cloud State University pays for itself in approximately 2 years. This is an excellent return on investment.

Financial Aid Profile

21.7% of students at Saint Cloud State University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 34% below the national average. A lower Pell rate suggests the student body skews toward higher-income families. Merit aid may be more prevalent than need-based aid.

23.5% of students take federal loans, 50% below the national average. A low loan rate suggests strong institutional aid or a wealthier student body that doesn't need to borrow.

Average faculty salary: $11,863/month, 36% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Saint Cloud State University enrolls 5,088 undergraduate students. As a large institution, students have access to a wide range of programs, research opportunities, and campus activities.

Diversity Index: 64/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 59%, Hispanic 5%, Black 13%, Asian 4%.

Saint Cloud State University: Medium-Sized Public Institution with Competitive Earnings

SCSU: Affordable Education, Strong Regional Career Launchpad
Unlock Your Future: Career Success Stories from Saint Cloud State University
Midwest Value: Experience and Opportunity at Saint Cloud State

Report Card: Overall Grade C

Saint Cloud State University receives an overall grade of C based on six dimensions:

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

College Analysis

Saint Cloud State University is a Public institution in Saint Cloud, MN with approximately 5,088 students. Saint Cloud State University has a high admission rate, indicating it may be more accessible to a broader range of students. The university's graduation rate is below the national average, suggesting potential challenges in student retention or academic support. Graduates earn a median salary of $55,813 after 10 years, which is competitive but not exceptional compared to peer institutions. The ROI score is relatively low, indicating that the cost of attending the university may not be fully justified by the earnings potential.

The Verdict: Is Saint Cloud State University Worth It?

Saint Cloud State University presents a compelling value proposition, particularly for in-state students. With an in-state tuition of $10,245 and a median 10-year earning potential of $55,813, the return on investment (ROI) is solid, especially when considering the median debt of $21,058. The debt-to-earnings ratio is favorable, suggesting that graduates can realistically pay off their loans within a few years of entering the workforce. The ROI score of 36, while not exceptionally high, indicates a respectable financial outcome. For students seeking an affordable education with a clear path to employment in Minnesota's key industries like healthcare and manufacturing, SCSU is a good deal. The cost is significantly lower than many private institutions, and the median earnings are competitive within the region. The primary concern might be the lower graduation rate (43.9%), which could suggest challenges for some students in completing their degrees, potentially impacting their long-term earnings. However, for those who persist, the financial outlook is positive. SCSU is a hidden gem for value-conscious students prioritizing regional employment.

Return on Investment

While the degree from Saint Cloud State University is affordable and offers good earning potential, the low ROI score suggests that the cost may not be fully justified by the earnings potential.

Debt Reality Check

Median student debt at Saint Cloud State University: $21,058. Monthly payment on a standard 10-year plan: $239/month. Total repaid: $28,680 ($7,622 in interest).

Breakeven vs high school diploma: 0.8 years. Debt burden: Manageable. Salary needed for comfortable repayment: $28,680.

Strengths

Affordable tuition
Good earning potential
Strong local job market

Weaknesses

Below-average graduation rate
Moderate student diversity
Lower ROI compared to some peers

Academic Profile

SAT Average: 1092. ACT Midpoint: 21. Retention Rate: 70.7%.

Saint Cloud State University's academic landscape is characterized by a commitment to practical learning and career preparation, supported by a dedicated faculty. With a student-faculty ratio that can be inferred to be manageable given the university's size and public status, students can expect accessible faculty engagement. While specific faculty salary data isn't provided, the university's focus on accessible education suggests a faculty invested in student success. Notable departments often highlighted include the School of Public Affairs, which houses strong programs in criminal justice and public administration, and the Herberger Business School, recognized for its accredited programs in accounting, finance, and marketing. The College of Science and Engineering offers robust options in fields like engineering, technology, and natural sciences, preparing students for in-demand careers. Research opportunities are available, particularly for upper-division students, allowing them to work alongside faculty on impactful projects. SCSU also offers an Honors Program designed to provide enriched academic experiences for high-achieving students, including smaller class sizes and unique research opportunities. Study abroad programs are accessible, allowing students to broaden their horizons and gain global perspectives. Academic support is a cornerstone, with resources like the Tutoring Center, the Writing Center, and academic advising services readily available to help students navigate their coursework and achieve their academic goals.

Financial Aid Guide for Saint Cloud State University

Pell Grant recipients: 21.7%. Students taking federal loans: 23.5%.

Navigating financial aid at Saint Cloud State University involves understanding the mix of federal, state, and institutional aid available. As a public university, SCSU is committed to making education accessible, and a significant portion of its students rely on financial assistance. Merit-based aid, often in the form of scholarships, is available for students demonstrating strong academic achievement, though specific scholarship amounts and criteria can vary annually. Need-based aid, primarily through federal Pell Grants and state grants, is crucial for many students, with eligibility determined by the Free Application for Federal Student Aid (FAFSA). Work-study opportunities are also offered, providing on-campus employment for students to earn money while gaining experience. For students with an in-state tuition of $10,245, a typical aid package might combine grants, scholarships, and potentially federal loans to cover a substantial portion of costs. Out-of-state students face the same tuition rate, making the overall cost of attendance a key consideration. Scholarship tips for SCSU applicants include applying early, highlighting leadership and extracurricular involvement, and researching departmental scholarships specific to your major. While SCSU is generally not a university where aid negotiation is a common practice due to its structured financial aid system, students facing extenuating circumstances should always reach out to the Financial Aid Office to discuss their situation. Understanding the total cost of attendance, including living expenses and fees, is vital when evaluating aid packages.

Hidden Costs at Saint Cloud State University

Room and board costs can range from approximately $9,000 to $12,000 annually, depending on the chosen meal plan and housing type.
Textbooks and course materials can add an estimated $1,000 to $1,500 per academic year.
Mandatory student fees, covering services like technology, student activities, and health services, typically amount to around $1,500 to $2,000 per year.
Transportation costs, including gas, car maintenance, or public transit passes, can vary but budget at least $500-$1,000 annually.
Parking permits for students with vehicles on campus can cost between $150 and $300 per semester.
Personal expenses, such as toiletries, entertainment, and miscellaneous items, should be budgeted at $1,000-$2,000 per year.
Health insurance, if not covered by a parent's plan, can add approximately $2,000-$3,000 annually.

Alumni Outcomes & Career Paths

Saint Cloud State University (SCSU) graduates enter a diverse job market, with many finding opportunities within Minnesota's robust economy. Major employers that frequently recruit from SCSU include healthcare systems like CentraCare and Mayo Clinic, manufacturing giants such as Electrolux and DeZURIK, and financial institutions like Wells Fargo and US Bank. The university also sees strong placement in the education sector, with local school districts and state agencies being significant employers. Industries where SCSU alumni tend to cluster include healthcare, manufacturing, education, technology, and public administration. While specific graduate school placement rates are not readily available, SCSU's strong undergraduate programs in fields like nursing, education, and business often serve as solid springboards for further academic pursuits. Notable alumni include former Minnesota Governor Arne Carlson and Pulitzer Prize-winning journalist Rochelle Riley. SCSU's Career Services offers resources such as resume workshops, career fairs, and individual counseling, aiming to connect students with internship and job opportunities. The university has established internship pipelines with many of the aforementioned companies and organizations, providing students with practical experience. Geographic hiring patterns show a strong concentration of alumni within the St. Cloud metropolitan area and the broader Twin Cities region, though graduates also find positions throughout Minnesota and in neighboring states.

Campus Life & Culture at Saint Cloud State University

The student body at Saint Cloud State University is predominantly composed of students from Minnesota, reflecting its role as a key public university for the state. While diversity is present and growing, the university thrives with students who are seeking a practical, career-focused education in a supportive, Midwestern environment. Students who are engaged, willing to get involved in campus life, and appreciate a close-knit community tend to find SCSU a rewarding experience.

Saint Cloud State University (SCSU) offers a vibrant campus life deeply connected to its St. Cloud, Minnesota location. As a public university with a student body of just over 5,000, SCSU fosters a close-knit community feel. The campus itself is a blend of historic and modern architecture, with the iconic Atwood Memorial Center serving as a central hub for student activities, dining, and social gatherings. You'll find a variety of housing options, from traditional residence halls like Sherburne Hall, known for its community-style living, to apartment-style options for upperclassmen. The dining experience is centered around the Atwood Marketplace, offering diverse stations to cater to different tastes and dietary needs, with meal plans designed to be flexible for busy students. Student organizations are plentiful, covering a wide spectrum of interests from academic clubs like the Society of Manufacturing Engineers to cultural groups and recreational pursuits. SCSU also has a strong presence of Greek life, with several fraternities and sororities offering leadership and social opportunities. Athletics are a significant part of the SCSU experience, with the Huskies competing in NCAA Division I and II across various sports, drawing enthusiastic crowds to events. The general vibe is one of a welcoming, Midwestern community where students are encouraged to get involved, find their niche, and make the most of their university experience. Many students are from the surrounding St. Cloud area and greater Minnesota, creating a strong local connection, but the university also attracts students from across the nation and internationally, adding to the diverse tapestry of campus life.

Campus Highlights

Atwood Memorial Center: The vibrant student union, a hub for dining, activities, and social life.
Huskies Athletics: Strong NCAA Division I and II sports programs with dedicated fan support.
River's Edge Convention Center: Proximity to a major venue for events and internships.
St. Cloud State Planetarium: A unique educational resource for astronomy enthusiasts.
The St. Cloud State University Archives: A repository of local and university history.
Lakefront Campus: Beautiful setting along the Mississippi River, offering recreational opportunities.
Community Engagement: Strong ties to the St. Cloud community, fostering local internships and volunteerism.

Location & Regional Advantages

Saint Cloud, Minnesota, offers a unique regional advantage for SCSU students. The local job market is anchored by a strong healthcare sector, driven by CentraCare, and a significant manufacturing base, featuring companies like Electrolux and DeZURIK. The cost of living in St. Cloud is notably lower than in major metropolitan areas like Minneapolis-St. Paul, making it more affordable for students to manage expenses during and after their studies. While St. Cloud is not a direct proximity to a major industry hub like Silicon Valley, it is within a reasonable driving distance (approximately 70 miles) of the Twin Cities, offering access to a larger and more diverse job market, including major corporations, tech startups, and a vibrant arts and culture scene. The quality of life in St. Cloud is characterized by its friendly community, access to outdoor recreation along the Mississippi River and nearby lakes, and a more relaxed pace of life. Safety is generally good, with crime rates comparable to similar-sized Midwestern cities. This location provides a balance: students can benefit from the affordability and community feel of a smaller city while still having the option to tap into the opportunities of a major metropolitan area for internships and post-graduation employment.

How to Get Into Saint Cloud State University

Saint Cloud State University, with its 94.8% admission rate, is generally accessible to a wide range of students. The application strategy here is less about intense selectivity and more about demonstrating a genuine interest in SCSU and a readiness for college-level work. While Early Decision (ED) and Early Action (EA) are not heavily emphasized as strategic advantages due to the high acceptance rate, applying earlier in the cycle is always recommended to ensure full consideration for scholarships and aid. The admissions office values a solid academic record, with a focus on GPA and the rigor of coursework taken. While SAT/ACT scores are not a primary factor (indicated by N/A data), a strong performance in high school classes is key. Essays, if required or optional, should showcase your personality, your reasons for choosing SCSU, and how you plan to contribute to the campus community. Demonstrated interest can be shown through campus visits (virtual or in-person), attending information sessions, and engaging with admissions counselors. The timeline should generally involve submitting your application in the fall of your senior year, with deadlines typically in the spring, to allow ample time for financial aid processing and enrollment decisions.

How Saint Cloud State University Compares to Similar Schools

Similar schools: Minnesota State University, Mankato, University of Wisconsin-Eau Claire, Bemidji State University

Advantages

Lower out-of-state tuition compared to some regional peers, making it more accessible for non-Minnesota residents.
Stronger established connections within the St. Cloud manufacturing and healthcare sectors.
More diverse program offerings in certain niche areas compared to smaller regional institutions.

Disadvantages

Lower graduation rate compared to many comparable public universities.
Median earnings are slightly lower than some more selective regional peers.
Less national brand recognition compared to larger state university systems.

Best For

Students seeking a more selective institution with higher graduation rates
Students prioritizing high earning potential with less emphasis on cost
Students looking for a more diverse student body

Avoid If

Students who need extensive academic support or resources may find the university challenging.
Students with a high tolerance for debt may find the median debt level concerning.
Students seeking a more prestigious institution with a higher ROI may want to consider alternatives.

Frequently Asked Questions about Saint Cloud State University

How much does it cost to attend Saint Cloud State University?

In-state tuition at Saint Cloud State University is $10,245 per year, and out-of-state tuition is $10,245 per year. The median student debt at graduation is $21,058.

What is the acceptance rate at Saint Cloud State University?

Saint Cloud State University has an acceptance rate of 94.8%.

What is the graduation rate at Saint Cloud State University?

Saint Cloud State University has a graduation rate of 43.9%.

How much do Saint Cloud State University graduates earn?

The median earnings for Saint Cloud State University graduates 10 years after enrollment is $55,813. With median debt of $21,058, graduates earn roughly 2.7x their debt level annually.

How big is Saint Cloud State University?

Saint Cloud State University has approximately 5,088 students and is classified as a medium institution. It is located in Saint Cloud, MN and is a Public institution.

Is Saint Cloud State University worth the cost?

Saint Cloud State University has an ROI score of 36 out of 100. With in-state tuition of $10,245 per year and median post-graduation earnings of $55,813, the data suggests the return on investment may be below average.

Where is Saint Cloud State University located?

Saint Cloud State University is located in Saint Cloud, MN. It is a Public institution with approximately 5,088 students.

How much student debt do Saint Cloud State University graduates have?

The median student debt for Saint Cloud State University graduates is $21,058. With median earnings of $55,813 ten years after enrollment, graduates can expect a debt-to-income ratio of 38%.

Is Saint Cloud State University a good college?

Saint Cloud State University has a graduation rate of 43.9% and median post-graduation earnings of $55,813. High in-state tuition rates

How does Saint Cloud State University compare to similar colleges?

Moderate student diversity Compared to peer institutions, Saint Cloud State University offers a more affordable education with competitive earnings but lower graduation rates.

What career prospects do Saint Cloud State University graduates have?

Graduates are well-positioned for careers in the Midwest, particularly in fields like education and public service.

What should prospective students know about Saint Cloud State University?

Saint Cloud State University is well-suited for students seeking an affordable education with good earning potential but may not be the best fit for those prioritizing high graduation rates.

What makes Saint Cloud State University stand out?

Above-average affordability

What are the pros and cons of attending Saint Cloud State University?

Below-average graduation rate

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View on College Scorecard (Dept. of Education)

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