CollegeTuitionData — College Data in Plain English

Saint Mary's College of California

Moraga, CA 94575 — Private Nonprofit

Value Score: 65/100 | ROI Score: -66 | Affordability Score: 55/100

Tuition (In-State): $57,803 | Out-of-State: $57,803

Acceptance Rate: 86.5% | Graduation Rate: 69.6% | Retention Rate: 85.4%

Median Earnings (10yr): $78,812 | Median Debt: $23,691

Student Body Size: 1,947 (small)

Pell Grant Recipients: 26.7% | Federal Loan Rate: 41.7%

Average Faculty Salary: $11,429/month

Tuition & Affordability Analysis

In-state tuition at Saint Mary's College of California is $57,803 per year, which is 47% above the national average for private institutions.

Out-of-state students pay $57,803/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: $231,212 (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 Mary's College of California:

  • Families earning $0–$30,000: $19,462/year
  • Families earning $30,001–$48,000: $20,127/year
  • Families earning $48,001–$75,000: $23,303/year
  • Families earning $75,001–$110,000: $29,049/year
  • Families earning $110,000+: $40,581/year

Low-income families receive an average discount of $38,341/year, paying just 34% of the sticker price.

Admissions Snapshot

Saint Mary's College of California has an acceptance rate of 86.5%, placing it in the Open Admission (85%+) category. This means roughly 563 students apply each year.

Saint Mary's College of California accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

Graduate Outcomes & Return on Investment

69.6% of students at Saint Mary's College of California complete their degree, 12% above the national average. This is a solid graduation rate.

First-year retention rate: 85.4% (5% above the national average). This indicates most students are satisfied enough to return for sophomore year.

Graduates of Saint Mary's College of California earn a median salary of $78,812 ten years after enrollment, 93% above the national average. This represents a $43,812/year earnings premium over the average high school diploma holder, or $1,314,360 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $23,691, 10% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $257/month, with a total repayment of $30,840 (including $7,149 in interest).

Debt-to-Earnings Ratio: 0.30x. 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 Mary's College of California pays for itself in approximately 6 years. This is a reasonable investment timeline.

Financial Aid Profile

26.7% of students at Saint Mary's College of California receive Pell Grants (federal need-based aid for families earning under ~$60,000), 19% 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.

41.7% of students take federal loans, 11% below the national average. This is a moderate borrowing rate.

Average faculty salary: $11,429/month, 31% 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 Mary's College of California enrolls 1,947 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 74/100 (higher = more diverse). Saint Mary's College of California has a highly diverse student body with strong representation across multiple racial and ethnic groups.

Student body composition: White 37%, Hispanic 33%, Black 5%, Asian 8%.

Saint Mary's College of California: Quality Education with Challenges in Affordability and Graduation Rates

Report Card: Overall Grade D+

Saint Mary's College of California receives an overall grade of D+ based on six dimensions:

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

College Analysis

Saint Mary's College of California is a Private Nonprofit institution in Moraga, CA with approximately 1,947 students. Academics: Strong focus on liberal arts with a high admission rate. Value: High tuition with moderate affordability and ROI. Outcomes: Good earnings potential but low graduation rate. Higher education analyst: Saint Mary's College of California offers a quality education with strong career outcomes but faces challenges with affordability and graduation rates.

The Verdict: Is Saint Mary's College of California Worth It?

Saint Mary's College of California presents a complex value proposition. With an in-state and out-of-state tuition of $57,803 and median 10-year earnings of $78,812, the immediate return on investment appears modest, especially when considering the median debt of $23,691. The ROI score of -66 further underscores this concern, suggesting that, on average, graduates do not recoup their investment quickly based on raw earnings data. The payback period for the median debt, assuming a significant portion of the salary is allocated to repayment, could extend several years. While the college offers a valuable liberal arts education and a supportive community, the financial calculus indicates that it is an expensive option. Graduates may need to rely on factors beyond immediate salary, such as career satisfaction, graduate school advancement, or long-term career trajectory, to justify the cost. It is not a clear 'good deal' based on quantitative metrics alone, nor is it necessarily 'overpriced' if the qualitative benefits and alumni network prove exceptionally strong for specific career paths. However, prospective students must be aware that the financial return may not be as rapid as at more vocationally focused or larger public institutions. It's a significant investment that requires careful consideration of personal career goals and financial planning.

Return on Investment

Despite the high cost, the degree from Saint Mary's College of California is worth it for students who prioritize a strong liberal arts education and career readiness.

Debt Reality Check

Median student debt at Saint Mary's College of California: $23,691. Monthly payment on a standard 10-year plan: $269/month. Total repaid: $32,280 ($8,589 in interest).

Breakeven vs high school diploma: 0.5 years. Debt burden: Low. Salary needed for comfortable repayment: $32,280.

Strengths

  • Strong focus on liberal arts and career readiness.
  • Highly diverse student body.
  • Good earnings potential.

Weaknesses

  • High tuition costs with moderate affordability.
  • Below-average graduation rate.
  • Selective admission process may limit access for some students.

Academic Profile

Retention Rate: 85.4%.

Saint Mary's College of California prides itself on a liberal arts foundation, complemented by strong professional programs, all delivered within a close-knit academic community. The student-faculty ratio, while not explicitly provided, is inferred to be low given the small student population and the college's emphasis on personalized attention, likely around 10:1 or 11:1. Faculty quality is a key strength, with professors actively engaged in teaching and mentoring undergraduates. Notable departments include Business Administration, Education, and the School of Science, which offers programs like Biology and Chemistry. The College also boasts a robust School of Liberal Arts and Sciences, with popular majors such as Psychology, English, and Politics. Research opportunities are available, particularly for students who actively seek them out, often involving close collaboration with faculty mentors on projects that can lead to presentations or publications. The Kalmanovitz School of Business offers specialized tracks and often connects students with internship opportunities in the Bay Area. Academic support is readily accessible, with the College Learning Commons providing tutoring, writing support, and academic advising. The Honors Program offers a challenging curriculum for high-achieving students, fostering intellectual exploration through small seminars and a senior thesis. Study abroad is strongly encouraged, with various programs available to broaden students' perspectives and academic experiences, often integrated into their major or minor requirements.

Financial Aid Guide for Saint Mary's College of California

Pell Grant recipients: 26.7%. Students taking federal loans: 41.7%.

Navigating financial aid at Saint Mary's College of California involves understanding both merit-based and need-based aid, with a significant portion of students receiving some form of assistance. Given the sticker price of $57,803, financial aid is crucial for most families. The college offers a range of scholarships, including academic scholarships for incoming freshmen based on GPA and high school coursework, and departmental scholarships tied to specific majors. Need-based grants are awarded based on demonstrated financial need, calculated through the FAFSA and CSS Profile. For families with an Expected Family Contribution (EFC) of $0-$20,000, aid packages might typically include a combination of grants and scholarships totaling $30,000-$45,000, potentially covering a substantial portion of tuition and fees. For families with EFCs between $20,000-$50,000, aid packages could range from $20,000-$35,000. Work-study opportunities are also available, providing students with on-campus jobs to help cover living expenses. While Saint Mary's is committed to making education accessible, it's important to note that aid packages are generally designed to meet a portion of demonstrated need, not always 100% of the cost of attendance. Negotiating aid is possible, especially if you have competing offers from similarly ranked institutions, but it's advisable to present a well-documented case for increased aid. Early application for financial aid is highly recommended, as funds can be limited.

Hidden Costs at Saint Mary's College of California

  • Room and board costs can range from $16,000 to $18,000 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, technology fees, and other miscellaneous campus fees can total around $500 to $800 per year.
  • Transportation costs, including gas, public transit, or ride-sharing services for off-campus excursions, can vary widely but budget at least $500-$1,000 annually.
  • Personal expenses such as toiletries, laundry, entertainment, and snacks can easily amount to $1,500 to $2,500 per year.
  • Parking permits for students with cars on campus can cost between $200 and $400 per academic year.
  • Health insurance, if not covered by a parent's plan, can add approximately $2,000 to $3,000 annually.

Alumni Outcomes & Career Paths

Saint Mary's College of California, a smaller liberal arts institution, positions its graduates for success through a blend of strong career services and a focus on developing well-rounded individuals. While specific data on major employers actively recruiting on campus can be limited for smaller schools, alumni often find opportunities within the broader San Francisco Bay Area. Industries where SMC graduates tend to cluster include education, healthcare, technology, and finance. Many alumni pursue further education, with notable graduate school placements in fields like law, business, and counseling. The career services department at Saint Mary's is known for its personalized approach, offering one-on-one advising, resume workshops, and networking events. Internship pipelines are crucial, with students often securing placements at local organizations and companies, gaining practical experience that enhances their job prospects. Geographic hiring patterns show a strong tendency for graduates to remain in California, particularly within the greater Bay Area, leveraging the extensive network of businesses in San Francisco, Oakland, and the Silicon Valley. While specific company names that recruit heavily might vary, common destinations for alumni include companies like Kaiser Permanente, Deloitte, and various school districts across the region. The liberal arts foundation encourages adaptability, preparing graduates for diverse roles across multiple sectors.

Campus Life & Culture at Saint Mary's College of California

Saint Mary's College of California attracts a diverse student body, with a significant percentage coming from California, particularly the Bay Area, but also drawing students from across the United States and internationally. The student who thrives here is often intellectually curious, values community and service, and appreciates a smaller, more intimate educational setting with a strong sense of tradition and purpose.

Saint Mary's College of California, nestled in the rolling hills of Moraga, offers a distinctively Lasallian Catholic experience that shapes its campus culture. With a student body of under 2,000, the atmosphere is intimate and community-focused, fostering strong relationships among students, faculty, and staff. The 'vibe' is often described as collegial, intellectually curious, and service-oriented, reflecting the college's mission. Social life isn't dominated by a massive Greek system; while fraternities and sororities exist, they play a more integrated role rather than defining the entire social landscape. Instead, student organizations, ranging from the Outdoors Club that takes advantage of the beautiful Bay Area surroundings to various cultural and academic clubs, are central to campus engagement. Residential living is a cornerstone, with most first- and second-year students expected to live on campus. The residence halls, often organized into learning communities, provide a built-in social network. Dining services, primarily at the Soda Center, offer a variety of options, with meal plans being a significant part of the student experience. Weekends might involve exploring nearby Lafayette or Walnut Creek, attending campus events like guest lectures or performances, or simply enjoying the scenic campus. Athletics, particularly Division I programs in basketball and soccer, generate school spirit, with games often drawing enthusiastic crowds. A notable tradition is the annual 'Founder's Day' celebration, honoring Saint John Baptist de La Salle, which often includes community service projects and campus-wide gatherings. The smaller size means students are likely to encounter familiar faces across different activities, creating a cohesive and supportive environment.

Campus Highlights

  • The stunningly beautiful campus, designed by renowned architect John Carl Warnecke, features a blend of modern and traditional architecture set against the backdrop of the Moraga Valley.
  • The historic Chapel, a central landmark, offers a serene space for reflection and worship, embodying the college's Catholic and Lasallian heritage.
  • The proximity to the vibrant San Francisco Bay Area provides unparalleled opportunities for internships, cultural experiences, and weekend exploration.
  • A strong emphasis on community service and social justice, deeply ingrained in the Lasallian tradition, offers students meaningful ways to engage with and impact the world.
  • The intimate class sizes and dedicated faculty foster a personalized learning environment where students receive individual attention and mentorship.
  • The College's commitment to sustainability is evident in its campus initiatives and educational programs, appealing to environmentally conscious students.
  • The annual 'Founder's Day' celebration is a significant tradition that brings the entire community together to honor the college's origins and mission.

Location & Regional Advantages

Nestled in Moraga, California, Saint Mary's College of California benefits from a unique geographic position that offers both tranquility and access to major economic hubs. The local job market in Moraga itself is modest, but the college's proximity to Oakland (approximately 15 miles) and San Francisco (approximately 20 miles) is a significant advantage. This allows students to tap into the vast and dynamic job markets of the San Francisco Bay Area, a global center for technology, finance, biotechnology, and venture capital. The cost of living in the immediate Moraga area, while part of the expensive Bay Area, is somewhat buffered by the college's campus environment. However, living expenses in the surrounding region are notably high. The quality of life in the East Bay is generally excellent, with access to natural beauty, cultural attractions, and a diverse population. The weather is characteristically Californian – mild and pleasant year-round. Safety in Moraga is typically high, contributing to a secure campus environment. This location provides students with unparalleled access to internships and post-graduation employment opportunities in world-renowned companies and burgeoning startups, particularly in sectors like tech (Silicon Valley), finance (San Francisco), and healthcare (numerous Bay Area hospitals). The ability to commute or relocate to these areas post-graduation is a key career advantage.

How to Get Into Saint Mary's College of California

Saint Mary's College of California employs a holistic review process, meaning they consider a wide range of factors beyond just GPA and test scores (which are not currently a primary focus, as indicated by the absence of SAT/ACT averages). The admissions committee seeks students who demonstrate academic potential, a commitment to the college's Lasallian values of faith, service, and scholarship, and a genuine interest in contributing to the campus community. Your GPA and the rigor of your high school curriculum are important indicators of academic preparedness. Essays are a critical component; focus on topics that showcase your personality, your ability to reflect on experiences, and how you align with Saint Mary's mission. Consider essays that explore your commitment to service, your intellectual curiosity, or how you've overcome challenges. Demonstrated interest is valued; this can be shown through attending virtual or in-person information sessions, visiting campus (if possible), engaging with admissions counselors, and submitting a thoughtful application. Saint Mary's is moderately selective, with an 86.5% admission rate, suggesting that while admission is attainable for many qualified students, a strong application is still necessary. Applying Early Action (EA) can be advantageous as it allows you to receive an earlier decision and potentially alleviate some stress, though it is not binding. The typical timeline involves submitting applications by the early action deadline (often November 1st) or the regular decision deadline (typically January 15th), with financial aid applications running concurrently.

How Saint Mary's College of California Compares to Similar Schools

Similar schools: University of San Francisco, Santa Clara University, Loyola Marymount University, University of the Pacific

Advantages

  • Stronger emphasis on liberal arts and critical thinking within a smaller, more intimate campus setting.
  • Potentially more personalized student support and faculty interaction due to smaller class sizes.
  • Unique Lasallian educational tradition fostering a specific community ethos.

Disadvantages

  • Lower median earnings compared to some peers with stronger ties to high-paying tech or business sectors.
  • Less extensive alumni network and brand recognition in certain competitive industries compared to larger universities.
  • Higher sticker price relative to the median earnings, leading to a less favorable immediate ROI.

Best For

  • Prospective students with a strong academic background and a focus on liberal arts.
  • Students who value a diverse and inclusive educational environment.

Avoid If

  • Students seeking a high-cost education without a strong emphasis on graduation rates.
  • Students prioritizing immediate financial gain over long-term career prospects.

Frequently Asked Questions about Saint Mary's College of California

How much does it cost to attend Saint Mary's College of California?

In-state tuition at Saint Mary's College of California is $57,803 per year, and out-of-state tuition is $57,803 per year. The median student debt at graduation is $23,691.

What is the acceptance rate at Saint Mary's College of California?

Saint Mary's College of California has an acceptance rate of 86.5%.

What is the graduation rate at Saint Mary's College of California?

Saint Mary's College of California has a graduation rate of 69.6%.

How much do Saint Mary's College of California graduates earn?

The median earnings for Saint Mary's College of California graduates 10 years after enrollment is $78,812. With median debt of $23,691, graduates earn roughly 3.3x their debt level annually.

How big is Saint Mary's College of California?

Saint Mary's College of California has approximately 1,947 students and is classified as a small institution. It is located in Moraga, CA and is a Private Nonprofit institution.

Is Saint Mary's College of California worth the cost?

Saint Mary's College of California has an ROI score of -66 out of 100. With in-state tuition of $57,803 per year and median post-graduation earnings of $78,812, the data suggests the return on investment may be below average.

Where is Saint Mary's College of California located?

Saint Mary's College of California is located in Moraga, CA. It is a Private Nonprofit institution with approximately 1,947 students.

How much student debt do Saint Mary's College of California graduates have?

The median student debt for Saint Mary's College of California graduates is $23,691. With median earnings of $78,812 ten years after enrollment, graduates can expect a debt-to-income ratio of 30%.

Is Saint Mary's College of California a good college?

Saint Mary's College of California has a graduation rate of 69.6% and median post-graduation earnings of $78,812. Highly selective with an 86.53% admission rate.

How does Saint Mary's College of California compare to similar colleges?

Primarily serves a diverse student body with a significant Hispanic population. Compared to peer institutions, Saint Mary's College of California offers a strong liberal arts education with good career outcomes but struggles with affordability and graduation rates.

What career prospects do Saint Mary's College of California graduates have?

Graduates from Saint Mary's College of California are well-prepared for careers in various fields, particularly in business and education.

What should prospective students know about Saint Mary's College of California?

Saint Mary's College of California is positioned in a competitive market, offering a niche in liberal arts education with strong career outcomes but facing challenges in affordability and graduation rates.

What makes Saint Mary's College of California stand out?

Median earnings 10 years post-graduation are above the national average.

What are the pros and cons of attending Saint Mary's College of California?

Graduation rate is below the national average for private institutions.

Explore More

Colleges in California

Browse all colleges in California

Similar Schools

College Rankings

Research Tools

H-1B Visa Salary Data

Visit Saint Mary's College of California official website

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.