Samford University

Birmingham, AL 35229-2240 — Private Nonprofit

Value Score: 75/100 | ROI Score: -64 | Affordability Score: 55/100

Tuition (In-State): $40,150 | Out-of-State: $40,150

Acceptance Rate: 82.4% | Graduation Rate: 78.4% | Retention Rate: 92.9%

Median Earnings (10yr): $58,469 | Median Debt: $19,500

SAT Average: 1201 | ACT Midpoint: 26

Student Body Size: 4,206 (medium)

Pell Grant Recipients: 11.1% | Federal Loan Rate: 26.9%

Average Faculty Salary: $10,188/month

Tuition & Affordability Analysis

In-state tuition at Samford University is $40,150 per year, which is near the national average for private institutions.

Out-of-state students pay $40,150/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: $160,600 (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 Samford University:

Families earning $0–$30,000: $22,716/year
Families earning $30,001–$48,000: $24,812/year
Families earning $48,001–$75,000: $31,527/year
Families earning $75,001–$110,000: $34,206/year
Families earning $110,000+: $36,235/year

Low-income families receive an average discount of $17,434/year, paying just 57% of the sticker price.

Admissions Snapshot

Samford University has an acceptance rate of 82.4%, placing it in the Less Selective (70–85%) category. This means roughly 1,277 students apply each year.

Samford 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 1201, 13% above the national average. This reflects a strong academic student body.

The ACT midpoint is 26, 24% above the national average.

Graduate Outcomes & Return on Investment

78.4% of students at Samford University complete their degree, 26% above the national average. This is a solid graduation rate.

First-year retention rate: 92.9% (15% above the national average). A retention rate above 90% signals high student satisfaction and strong first-year experience programs.

Graduates of Samford University earn a median salary of $58,469 ten years after enrollment, 43% above the national average. This represents a $23,469/year earnings premium over the average high school diploma holder, or $704,070 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $19,500, 9% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $212/month, with a total repayment of $25,440 (including $5,940 in interest).

Debt-to-Earnings Ratio: 0.33x. 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 Samford University pays for itself in approximately 7 years. This is a reasonable investment timeline.

Financial Aid Profile

11.1% of students at Samford University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 66% 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.

26.9% of students take federal loans, 43% 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: $10,188/month, 17% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Samford University enrolls 4,206 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 28/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 85%, Hispanic 5%, Black 5%, Asian 1%.

Samford University: High Graduation Rate and Good Earnings Potential

Samford University: A Solid Investment for Southern Careers, But Weigh the Costs
Beyond Birmingham: Where Samford Graduates Launch Their Careers
The Samford Experience: Faith, Community, and Career Launchpad

Report Card: Overall Grade C-

Samford University receives an overall grade of C- based on six dimensions:

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

College Analysis

Samford University is a Private Nonprofit institution in Birmingham, AL with approximately 4,206 students. Samford University has a high graduation rate of 78.38%. The median earnings 10 years after graduation are $58,469, indicating a good return on investment. The university has a strong retention rate with an 82.36% admission rate. Samford University offers a diverse student body with a significant white population and smaller percentages of other ethnicities.

The Verdict: Is Samford University Worth It?

Samford University presents a complex value proposition. With an in-state and out-of-state tuition of $40,150, it is a significant investment. The median earnings of $58,469 after 10 years, coupled with a median debt of $19,500, result in a somewhat challenging financial outlook, reflected in the ROI score of -64. To illustrate, a graduate earning the median salary would need approximately 3-4 years to pay off their median debt, assuming a standard repayment plan and no other financial obligations. This timeline is longer than ideal for a return on investment. While Samford offers a quality education and strong alumni network, particularly in the Birmingham area, the financial metrics suggest that the return on investment is not as robust as some other institutions. It is not an overpriced institution, but it is not a hidden gem either. For students who secure high-paying jobs immediately after graduation or pursue lucrative graduate degrees, the value can be realized. However, for the average graduate, the financial payoff may take longer than expected. Recommendation: Samford is a worthwhile investment for students who are committed to careers in high-demand fields like healthcare or law within the Birmingham region, or who can leverage the university's network to secure positions in higher-paying markets. Prospective students should carefully consider their career goals and potential earning power relative to the cost.

Return on Investment

While the degree from Samford University is valuable, the high tuition cost may not be worth it for all students.

Debt Reality Check

Median student debt at Samford University: $19,500. Monthly payment on a standard 10-year plan: $221/month. Total repaid: $26,520 ($7,020 in interest).

Breakeven vs high school diploma: 0.7 years. Debt burden: Low. Salary needed for comfortable repayment: $26,520.

Strengths

Strong academic performance with high graduation rates.
Good earnings potential for graduates.
High admission rate indicating a strong student body.

Weaknesses

Higher tuition costs compared to some peers.
Limited diversity in the student body.
Located in a more regional market.

Academic Profile

SAT Average: 1201. ACT Midpoint: 26. Retention Rate: 92.9%.

Samford University's academic profile is characterized by a commitment to liberal arts education within a Christian framework, fostering intellectual curiosity alongside personal and spiritual development. While Samford offers a broad range of undergraduate programs, certain areas stand out. The Ida V. Moody School of Nursing is highly regarded, as are programs within the Brock School of Business and the Cumberland School of Law. The Howard College of Arts and Sciences provides a strong foundation across disciplines, with popular majors including Psychology, English, and Biology. Research opportunities are available, particularly for students engaged with faculty on specific projects, though it's more common in STEM fields and graduate-level research. The faculty, while specific salary data isn't publicly available, are generally known for being accessible and dedicated to student success, a hallmark of a private institution with a student-faculty ratio that encourages close interaction. Samford offers a robust Honors Program, providing enriched academic experiences and dedicated advising for high-achieving students. Study abroad opportunities are plentiful, with programs ranging from short-term faculty-led trips to semester-long exchanges, often integrated with academic coursework. Academic support is a priority, with resources like the Academic Success Center offering tutoring, academic coaching, and writing support to ensure students can thrive academically.

Financial Aid Guide for Samford University

Pell Grant recipients: 11.1%. Students taking federal loans: 26.9%.

Navigating financial aid at Samford University involves understanding its commitment to both merit-based and need-based assistance. As a private institution, Samford offers a significant amount of institutional aid. Merit scholarships are a cornerstone, awarded automatically based on academic achievement (GPA and standardized test scores, if submitted) at the time of admission. These can range from a few thousand dollars to covering a substantial portion of tuition, with top scholarships potentially reaching $25,000-$30,000 annually. Need-based aid, determined by the FAFSA and the CSS Profile, is also crucial. Samford aims to meet a portion of demonstrated need through grants and institutional aid. For families with an Expected Family Contribution (EFC) of, say, $10,000, a typical aid package might include $15,000-$20,000 in institutional grants and scholarships, potentially supplemented by federal Pell Grants if eligible (though Pell Grant rate data is not provided). Federal student loans and work-study opportunities are also available to help bridge any remaining gaps. While Samford doesn't explicitly state a policy on aid negotiation, demonstrating a significant competing offer from a similarly ranked institution might be considered, though it's not guaranteed. Scholarship tips include applying early, seeking external scholarships, and highlighting leadership and service in applications. For students with family incomes below $75,000, Samford often provides substantial aid, potentially covering a significant percentage of tuition and fees.

Hidden Costs at Samford University

Room and Board: On-campus housing and meal plans typically range from $12,000 to $16,000 per academic year.
Textbooks and Supplies: Budget approximately $1,000 to $1,500 annually for required course materials.
Technology Fee: A mandatory fee of around $100-$200 per semester supports campus technology infrastructure.
Transportation: Costs for travel to and from campus, especially for out-of-state students, can range from $300 to $1,000+ annually depending on distance and frequency.
Personal Expenses: Allow $1,500 to $2,500 per year for toiletries, laundry, entertainment, and other miscellaneous items.
Parking Permit: If you plan to have a car on campus, expect to pay $100-$300 annually for a parking permit.
Health Insurance: While Samford offers a student health insurance plan, the cost can be around $2,000-$3,000 annually if not covered by a parent's plan.

Alumni Outcomes & Career Paths

Samford University graduates enter a diverse job market, with many finding opportunities within Alabama and the broader Southeastern United States. Major employers that actively recruit Samford alumni include large healthcare systems like Brookwood Baptist Health and Ascension St. Vincent's, reflecting the university's strong programs in health sciences. Financial services firms such as Regions Financial and Wells Fargo also recruit from Samford, particularly for business and finance graduates. Technology companies, while less dominant than healthcare, are present, with some alumni finding roles at local tech firms or larger companies with a presence in the region. Industries where alumni cluster include healthcare, education, finance, law, and non-profit organizations. Samford reports strong graduate school placement rates, with a significant percentage of graduates pursuing advanced degrees in law, medicine, and business. Notable alumni include former Alabama Governor Bob Riley and numerous leaders in the legal and medical fields within Birmingham. Samford's career services are generally well-regarded, offering personalized counseling, resume workshops, and career fairs. The university emphasizes internship pipelines, with many students securing positions at prominent local organizations, providing valuable hands-on experience and networking opportunities. Geographic hiring patterns show a strong concentration of alumni in Birmingham and surrounding areas, but also a notable presence in Atlanta, Nashville, and other major Southern cities.

Campus Life & Culture at Samford University

Samford University attracts a student body primarily from the Southeastern United States, with a significant portion hailing from Alabama and surrounding states. The university fosters a community that values Christian commitment, academic rigor, and personal development, making it an ideal environment for students seeking a faith-integrated education within a supportive, traditional Southern setting.

Samford University offers a vibrant campus life deeply rooted in its Christian heritage and Southern charm, set against the backdrop of Birmingham, Alabama. The 'vibe' is often described as friendly, community-oriented, and academically focused, with a strong emphasis on personal growth and spiritual development. Most undergraduates live on campus for their first three years, with a variety of housing options ranging from traditional residence halls in areas like campus-style "neighborhoods" such as the Quad and Hilltop, to apartment-style living for upperclassmen. The dining experience is centered around the Dwight Beeson Memorial Center, offering diverse options to cater to various tastes, with meal plans being a standard part of the residential experience. Student organizations are plentiful, covering a wide spectrum of interests from academic clubs and service groups to cultural and spiritual organizations. The Samford Activities Council (SAC) is a major player in organizing campus events, including concerts, movies, and traditions like Homecoming and Spring Sing. Greek life is present and active, with fraternities and sororities contributing to the social fabric, though it's not the sole focus of campus social life. Athletics are a significant part of the Samford experience, with the Bulldogs competing in the Southern Conference, fostering school spirit at events like football games at Seibert Stadium and basketball games at the Pete Hanna Center. The campus itself, with its beautiful Georgian architecture and picturesque landscaping, provides a serene and inspiring environment for student life.

Campus Highlights

Beautiful Georgian-style architecture and meticulously maintained grounds, creating a picturesque campus.
Strong emphasis on Christian faith and values integrated into academic and campus life.
The "Walk of Faith" tradition, a significant milestone for graduating seniors.
Proximity to Birmingham, offering students access to internships, cultural events, and urban exploration.
The Samford Activities Council (SAC) is a hub for student engagement, organizing popular events and traditions.
A close-knit community feel fostered by smaller class sizes and a residential focus for most students.
The historic Reid Chapel, a central gathering place for worship and campus events.

Location & Regional Advantages

Samford University's location in Birmingham, Alabama, offers a unique blend of advantages and challenges for its graduates. Birmingham boasts a growing job market, particularly in the healthcare and bioscience sectors, which are major employers in the region. The city is home to world-class medical facilities and research institutions, providing a fertile ground for Samford's health-related graduates. The cost of living in Birmingham is significantly lower than the national average, making the overall financial burden of attending Samford, especially with its median debt, more manageable post-graduation. While Birmingham is not a major tech hub like Atlanta or Nashville, it is experiencing growth in technology and finance, offering emerging opportunities. The quality of life in Birmingham is characterized by a friendly Southern culture, a burgeoning culinary scene, and access to outdoor recreational activities. The weather is typical of the Deep South, with hot summers and mild winters. Safety is a concern in any urban environment, but Birmingham has areas with lower crime rates, and the university itself maintains a secure campus. Proximity to Atlanta, a major economic and transportation hub, is also a geographic advantage, allowing for easier access to a wider range of career opportunities and internships, though direct hiring patterns often favor local graduates first.

How to Get Into Samford University

Gaining admission to Samford University, with its 82.4% acceptance rate, suggests a moderately selective process where a strong academic record and a clear sense of purpose are valued. While Samford does not offer Early Decision, they do have Early Action, which can be advantageous for students who have Samford as a top choice, allowing for an earlier notification of admission and potentially earlier access to scholarship information. The admissions committee looks for well-rounded students who demonstrate academic preparedness, leadership potential, and a commitment to Samford's Christian mission. A strong GPA, typically in the B+ to A- range, is important, and while SAT/ACT scores are not provided as averages, strong scores would certainly bolster an application. The essay is a crucial component; focus on topics that reveal your character, your motivations for attending a Christian university, and how you plan to contribute to the Samford community. Demonstrated interest is likely considered, so engaging with the university through campus visits (virtual or in-person), attending information sessions, and connecting with admissions counselors can be beneficial. Aim to submit your application well before the priority deadlines, typically in late fall or early winter, to maximize your chances for both admission and scholarship consideration.

How Samford University Compares to Similar Schools

Similar schools: Auburn University, University of Alabama, Lipscomb University, Belmont University

Advantages

Strong emphasis on liberal arts and pre-professional programs
Close-knit campus community and personalized attention
Significant alumni network within Alabama and the Southeast

Disadvantages

Higher tuition cost compared to public flagship universities
Fewer national-level research opportunities
Smaller endowment and resources compared to larger public institutions

Best For

Students seeking a more diverse student body may want to consider other options.
Prospective students with a preference for lower tuition costs might look at other institutions.

Avoid If

Students who are looking for a more urban environment might find the university's location in Birmingham limiting.
Those seeking a more diverse range of extracurricular activities may want to explore other options.

Frequently Asked Questions about Samford University

How much does it cost to attend Samford University?

In-state tuition at Samford University is $40,150 per year, and out-of-state tuition is $40,150 per year. The median student debt at graduation is $19,500.

What is the acceptance rate at Samford University?

Samford University has an acceptance rate of 82.4%.

What is the graduation rate at Samford University?

Samford University has a graduation rate of 78.4%.

How much do Samford University graduates earn?

The median earnings for Samford University graduates 10 years after enrollment is $58,469. With median debt of $19,500, graduates earn roughly 3.0x their debt level annually.

How big is Samford University?

Samford University has approximately 4,206 students and is classified as a medium institution. It is located in Birmingham, AL and is a Private Nonprofit institution.

Is Samford University worth the cost?

Samford University has an ROI score of -64 out of 100. With in-state tuition of $40,150 per year and median post-graduation earnings of $58,469, the data suggests the return on investment may be below average.

Where is Samford University located?

Samford University is located in Birmingham, AL. It is a Private Nonprofit institution with approximately 4,206 students.

How much student debt do Samford University graduates have?

The median student debt for Samford University graduates is $19,500. With median earnings of $58,469 ten years after enrollment, graduates can expect a debt-to-income ratio of 33%.

Is Samford University a good college?

Samford University has a graduation rate of 78.4% and median post-graduation earnings of $58,469. Samford University has a high white student population.

How does Samford University compare to similar colleges?

The university's tuition is in-state and out-of-state is the same at $40,150. Compared to peer institutions, Samford University offers a strong academic environment with high graduation rates and good earnings potential, but at a higher cost than some competitors.

What career prospects do Samford University graduates have?

Graduates from Samford University are well-positioned for careers in various fields, particularly in the Birmingham area.

What should prospective students know about Samford University?

Samford University is well-placed in the market for private, medium-sized universities in the southeastern United States.

What makes Samford University stand out?

The median debt upon graduation is $19,500.

What are the pros and cons of attending Samford University?

The university is located in Birmingham, Alabama.

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