St. Mary's College of Maryland
St. Mary's City, MD 20686 — Public
Value Score: 85/100 | ROI Score: -2 | Affordability Score: 90/100
Tuition (In-State): $15,298 | Out-of-State: $31,374
Acceptance Rate: 68.6% | Graduation Rate: 69.0% | Retention Rate: 85.8%
Median Earnings (10yr): $60,110 | Median Debt: $21,000
SAT Average: 1261 | ACT Midpoint: 29
Student Body Size: 1,603 (small)
Pell Grant Recipients: 21.1% | Federal Loan Rate: 42.7%
Average Faculty Salary: $9,044/month
Tuition & Affordability Analysis
In-state tuition at St. Mary's College of Maryland is $15,298 per year, which is 40% above the national average for public institutions.
Out-of-state students pay $31,374/year — a premium of $16,076 over in-state rates. Over four years, out-of-state students pay approximately $64,304 more than their in-state peers.
Estimated four-year tuition cost: $61,192 (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 St. Mary's College of Maryland:
- Families earning $0–$30,000: $2,889/year
- Families earning $30,001–$48,000: $12,053/year
- Families earning $48,001–$75,000: $15,033/year
- Families earning $75,001–$110,000: $19,796/year
- Families earning $110,000+: $25,173/year
Low-income families receive an average discount of $12,409/year, paying just 19% of the sticker price.
Admissions Snapshot
St. Mary's College of Maryland has an acceptance rate of 68.6%, placing it in the Moderately Selective (50–70%) category. This means roughly 584 students apply each year.
The average SAT score of admitted students is 1261, 19% above the national average. This reflects a strong academic student body.
The ACT midpoint is 29, 38% above the national average.
Graduate Outcomes & Return on Investment
69.0% of students at St. Mary's College of Maryland complete their degree, 11% above the national average. This is a solid graduation rate.
First-year retention rate: 85.8% (6% above the national average). This indicates most students are satisfied enough to return for sophomore year.
Graduates of St. Mary's College of Maryland earn a median salary of $60,110 ten years after enrollment, 47% above the national average. This represents a $25,110/year earnings premium over the average high school diploma holder, or $753,300 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $21,000, near the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $228/month, with a total repayment of $27,360 (including $6,360 in interest).
Debt-to-Earnings Ratio: 0.35x. 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 St. Mary's College of Maryland pays for itself in approximately 3 years. This is an excellent return on investment.
Financial Aid Profile
21.1% of students at St. Mary's College of Maryland receive Pell Grants (federal need-based aid for families earning under ~$60,000), 36% 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.
42.7% of students take federal loans, 9% below the national average. This is a moderate borrowing rate.
Average faculty salary: $9,044/month, 4% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
St. Mary's College of Maryland enrolls 1,603 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.
Diversity Index: 51/100 (higher = more diverse). The campus has moderate diversity.
Student body composition: White 69%, Hispanic 9%, Black 11%, Asian 3%.
St. Mary's College of Maryland: Small, Public Institution with Good Graduation and Earnings Outcomes
- St. Mary's College of Maryland: A Solid Launchpad for Mid-Atlantic Careers
- Beyond the Classroom: Unpacking the Career Outcomes of St. Mary's College of Maryland Graduates
- Value or Venture? Assessing the Financial Return of a St. Mary's College of Maryland Degree
Report Card: Overall Grade D+
St. Mary's College of Maryland receives an overall grade of D+ based on six dimensions:
- Academics: C
- Value: D
- Outcomes: B
- Affordability: D
College Analysis
St. Mary's College of Maryland is a Public institution in St. Mary's City, MD with approximately 1,603 students. St. Mary's College of Maryland has a strong graduation rate and decent earnings potential for graduates. The college offers a small, close-knit academic environment, which can enhance student engagement and support. While the tuition is relatively high, the college's affordability score is quite good, making it more accessible than might appear from the sticker price. The college has a diverse student body, with a significant portion of students being white, and a smaller but notable Hispanic and Asian population.
The Verdict: Is St. Mary's College of Maryland Worth It?
St. Mary's College of Maryland presents a mixed value proposition. With a median 10-year earning potential of $60,110 and a median debt of $21,000, the return on investment (ROI) score of -2 suggests that, on average, graduates may take a considerable amount of time to recoup their educational expenses. The in-state tuition of $15,298 and out-of-state tuition of $31,374 are moderate for a public institution, but the earnings potential doesn't immediately stand out as exceptional. To break even on the median debt of $21,000, assuming a significant portion of earnings goes towards repayment, it could take several years. When comparing the median earnings to the cost of attendance (especially for out-of-state students), the financial picture isn't as rosy as some other public universities. However, for Maryland residents, the lower tuition makes it a more financially sensible choice. The value is significantly enhanced by the school's strong regional placement, particularly within government and non-profit sectors in the Mid-Atlantic, where starting salaries might be competitive and offer good long-term growth. Verdict: For Maryland residents, St. Mary's College of Maryland offers a decent value, especially if pursuing careers in the public sector or within the state. For out-of-state students, the value proposition is weaker, and careful consideration of career goals and potential earnings is crucial. It's not an obvious 'hidden gem' for maximizing financial returns, but it can be a solid choice for specific career aspirations and regional focus.
Return on Investment
Despite the higher tuition, the strong academic programs and good earnings potential make the degree worth the cost for many students.
Debt Reality Check
Median student debt at St. Mary's College of Maryland: $21,000. Monthly payment on a standard 10-year plan: $238/month. Total repaid: $28,560 ($7,560 in interest).
Breakeven vs high school diploma: 0.7 years. Debt burden: Low. Salary needed for comfortable repayment: $28,560.
Strengths
- Strong academic programs and supportive environment
- Good graduation and earnings outcomes
- High affordability score
Weaknesses
- Higher tuition compared to some peer institutions
- Smaller campus size with limited extracurricular activities
Academic Profile
SAT Average: 1261. ACT Midpoint: 29. Retention Rate: 85.8%.
St. Mary's College of Maryland prides itself on a robust liberal arts and sciences education, with a particular emphasis on undergraduate research and faculty mentorship. The student-faculty ratio is favorable, fostering close relationships and personalized attention. While specific faculty salary data isn't provided, the college's commitment to attracting and retaining high-quality educators is evident in its academic offerings. Notable departments include Biology, Environmental Studies, History, and Political Science, all of which benefit from the college's unique location and resources. The Marine Science program, for instance, leverages the Chesapeake Bay for hands-on research opportunities. The Honors Program offers a challenging curriculum for academically gifted students, including dedicated seminars and a senior thesis requirement. Study abroad is strongly encouraged, with numerous programs available worldwide, often integrated into students' majors. Academic support is readily accessible through the Teaching and Learning Center, offering tutoring, writing assistance, and academic skills workshops. The college also provides robust career services, helping students connect their academic pursuits with post-graduation goals, including graduate school and professional employment.
Financial Aid Guide for St. Mary's College of Maryland
Pell Grant recipients: 21.1%. Students taking federal loans: 42.7%.
Navigating financial aid at St. Mary's College of Maryland involves understanding both merit-based and need-based opportunities. As a public institution, in-state students generally face lower tuition costs ($15,298) compared to out-of-state students ($31,374). SMCM offers a range of scholarships, primarily merit-based, awarded upon admission based on academic achievement (GPA, course rigor). While specific scholarship amounts vary, high-achieving students can expect to receive significant aid, potentially covering a substantial portion of tuition and fees. Need-based aid, determined by the FAFSA and potentially the CSS Profile, is also crucial. For families with an Expected Family Contribution (EFC) of $0, federal Pell Grants can provide up to $7,395 (as of 2023-2024), and state grants may also be available. Federal Direct Loans are a common component of aid packages, with first-year students eligible for up to $9,500. Work-study opportunities are also available, offering students the chance to earn money through part-time campus jobs. Typical aid packages for lower-income families might combine grants, loans, and work-study to significantly reduce the out-of-pocket cost. For middle-income families, merit scholarships often play a larger role in making attendance affordable. While SMCM is generally considered financially accessible, especially for Maryland residents, negotiating aid packages is not a standard practice; however, significant changes in financial circumstances can be appealed. It's essential to file the FAFSA by the priority deadline (typically March 1st) to maximize eligibility for all aid types.
Hidden Costs at St. Mary's College of Maryland
- Room and board costs can range from approximately $13,000 to $15,000 annually, depending on the chosen housing and meal plan.
- Textbooks and course materials can easily add $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 travel home for breaks and local commuting, can vary widely but budget at least $500-$1,000 annually.
- Parking permits for students living off-campus or commuting can cost upwards of $200 per academic year.
- Personal expenses, such as toiletries, laundry, entertainment, and snacks, can add $1,500 to $2,500 per year.
- Health insurance, if not covered by a parent's plan, can be an additional cost, potentially ranging from $2,000 to $3,000 annually.
Alumni Outcomes & Career Paths
Graduates from St. Mary's College of Maryland (SMCM) find themselves positioned for a variety of career paths, often leveraging the school's strong ties to the Mid-Atlantic region. While specific recruitment data can be proprietary, common employers for SMCM alumni include state and federal government agencies, particularly those located in the Washington D.C. and Baltimore metropolitan areas. Think agencies like the National Institutes of Health (NIH), the Department of Defense, and various Maryland state departments. In the private sector, alumni often find roles in consulting firms, non-profits, and technology companies. Industries where SMCM graduates tend to cluster include education, government/public administration, healthcare, and environmental science, reflecting the school's program strengths.
SMCM's career services are known for providing personalized guidance, with a focus on internship placement and networking. The college actively promotes internship opportunities with organizations such as the Chesapeake Bay Foundation, the Maryland Historical Society, and local government offices, creating valuable pipelines for students to gain experience and make connections. These internships often serve as direct entry points into full-time positions.
Graduate school placement is also a significant outcome for SMCM alumni. The college reports strong success rates for students pursuing advanced degrees in fields like law, medicine, and various master's and doctoral programs. While specific placement rates vary by program, the supportive academic environment and faculty mentorship encourage students to pursue higher education. Notable alumni include individuals who have made significant contributions in fields ranging from politics and public service to arts and sciences, further enhancing the school's reputation. Geographic hiring patterns strongly favor Maryland and the surrounding D.C. metropolitan area, though opportunities in other East Coast states are also common.
Campus Life & Culture at St. Mary's College of Maryland
The student body at St. Mary's College of Maryland is primarily composed of Maryland residents, though a growing number of out-of-state students contribute to a more diverse geographic mix. Students who thrive here are typically intellectually curious, engaged in their learning, and appreciate a close-knit community where faculty and peers are accessible. The college fosters an environment for students who value a liberal arts education with opportunities for hands-on research and a strong sense of campus belonging.
St. Mary's College of Maryland, often called SMCM or The College, cultivates a close-knit, engaged campus community deeply connected to its historic setting in St. Mary's City. The vibe here is intellectual yet relaxed, with a strong emphasis on undergraduate teaching and a sense of shared purpose. Residential life is a cornerstone, with most students living on campus for all four years. The residential communities, like the popular Townhouses and the more traditional dorms in Birch and Dunning, foster a sense of neighborhood. Meal plans are managed through the main dining hall, The Great Room, and several smaller cafes, offering a variety of options that cater to different tastes and dietary needs. Social life is largely driven by student organizations and campus events rather than a dominant Greek system; while fraternities and sororities exist, they play a more subdued role compared to larger universities. Instead, you'll find a vibrant array of clubs, from the Environmental Action Club to the Debate Society and numerous arts organizations. The Student Government Association is active in shaping campus policy and funding student initiatives. Athletics, particularly sailing, lacrosse, and soccer, are popular, with students often cheering on the Seahawks at various campus venues. A unique tradition is the annual 'May Day' celebration, a lively event marking the end of the academic year with music, food, and student performances. The campus itself, situated on the St. Mary's River, offers beautiful waterfront views and ample opportunities for outdoor recreation, contributing to a serene yet stimulating environment.
Campus Highlights
- Historic St. Mary's City setting providing a unique backdrop and opportunities for historical research.
- Strong emphasis on undergraduate research across all disciplines.
- Beautiful waterfront campus on the St. Mary's River, offering recreational and scenic advantages.
- Dedicated and accessible faculty committed to undergraduate teaching.
- Vibrant student life with numerous clubs and organizations, fostering a close-knit community.
- The annual 'May Day' celebration, a cherished tradition marking the end of the academic year.
- Commitment to sustainability and environmental stewardship integrated into campus life and academics.
Location & Regional Advantages
St. Mary's City, Maryland, offers a unique geographic advantage for St. Mary's College of Maryland students, particularly those interested in careers within the Mid-Atlantic region. The local job market, while not as robust as major metropolises, is significantly influenced by the proximity to the Washington D.C. and Baltimore corridors. This provides SMCM graduates with access to a vast array of federal government agencies, defense contractors, non-profits, and burgeoning tech sectors in these larger hubs. The cost of living in St. Mary's County is generally more affordable than in the immediate D.C. or Baltimore areas, offering graduates a potential financial advantage as they begin their careers.
Quality of life in St. Mary's City is characterized by its historical significance, natural beauty along the St. Mary's River and Chesapeake Bay, and a generally safe, small-town atmosphere. This can be appealing to students seeking a more tranquil environment while still having access to urban opportunities within a reasonable driving distance (approximately 1.5-2 hours to D.C. and Baltimore). The weather is typical of the Mid-Atlantic, with four distinct seasons. The safety of the campus and surrounding community is a significant draw for many students and their families.
This location directly impacts career opportunities by fostering strong relationships with regional employers and facilitating internships and job placements within state and federal government, environmental organizations, and healthcare systems prevalent in Maryland. The college's location on the historic St. Mary's River also supports programs in marine science and environmental studies, creating specialized career pathways.
How to Get Into St. Mary's College of Maryland
St. Mary's College of Maryland (SMCM) is a selective public liberal arts college, meaning a thoughtful application strategy is key. While SMCM does not offer Early Decision (ED) or Early Action (EA) options, focusing on a strong Regular Decision application is paramount. The admissions committee values a well-rounded academic record, demonstrated through a strong GPA and challenging coursework (AP, IB, honors). Since SAT/ACT scores are not a factor, your transcript and essays carry significant weight. Craft an essay that showcases your personality, intellectual curiosity, and how you would contribute to the SMCM community. Highlight experiences that demonstrate leadership, critical thinking, and a commitment to learning. Extracurricular involvement is important, but quality over quantity is preferred; focus on activities where you've made a meaningful impact. Since SMCM does not explicitly track demonstrated interest, focus on making your application materials as compelling as possible. The application deadline is typically in February, with decisions released in March. Aim to submit your application well before the deadline to avoid any last-minute technical issues.
How St. Mary's College of Maryland Compares to Similar Schools
Similar schools: Towson University, University of Maryland, Baltimore County (UMBC), Salisbury University, Frostburg State University
Advantages
- Smaller class sizes and more personalized attention due to its size.
- Strong liberal arts focus fostering critical thinking and broad knowledge.
- Unique historic and waterfront location offering a distinct campus environment.
Disadvantages
- Lower overall national recognition compared to larger UMBC or Towson.
- Potentially fewer diverse internship and job opportunities directly on campus compared to larger university systems.
Best For
- Students looking for a larger campus with more diverse extracurricular activities might find St. Mary's College of Maryland too small.
- Those seeking a more urban or diverse environment may prefer larger public institutions in nearby cities like Baltimore.
Avoid If
- Students who are looking for a more urban or diverse environment should consider other options.
- Those seeking a larger campus with more diverse extracurricular activities might find St. Mary's College of Maryland too small.
Frequently Asked Questions about St. Mary's College of Maryland
How much does it cost to attend St. Mary's College of Maryland?
In-state tuition at St. Mary's College of Maryland is $15,298 per year, and out-of-state tuition is $31,374 per year. The median student debt at graduation is $21,000.
What is the acceptance rate at St. Mary's College of Maryland?
St. Mary's College of Maryland has an acceptance rate of 68.6%.
What is the graduation rate at St. Mary's College of Maryland?
St. Mary's College of Maryland has a graduation rate of 69.0%.
How much do St. Mary's College of Maryland graduates earn?
The median earnings for St. Mary's College of Maryland graduates 10 years after enrollment is $60,110. With median debt of $21,000, graduates earn roughly 2.9x their debt level annually.
How big is St. Mary's College of Maryland?
St. Mary's College of Maryland has approximately 1,603 students and is classified as a small institution. It is located in St. Mary's City, MD and is a Public institution.
Is St. Mary's College of Maryland worth the cost?
St. Mary's College of Maryland has an ROI score of -2 out of 100. With in-state tuition of $15,298 per year and median post-graduation earnings of $60,110, the data suggests the return on investment may be below average.
Where is St. Mary's College of Maryland located?
St. Mary's College of Maryland is located in St. Mary's City, MD. It is a Public institution with approximately 1,603 students.
How much student debt do St. Mary's College of Maryland graduates have?
The median student debt for St. Mary's College of Maryland graduates is $21,000. With median earnings of $60,110 ten years after enrollment, graduates can expect a debt-to-income ratio of 35%.
Is St. Mary's College of Maryland a good college?
St. Mary's College of Maryland has a graduation rate of 69.0% and median post-graduation earnings of $60,110. Graduation rate of 69.04% is above the national average for public colleges.
How does St. Mary's College of Maryland compare to similar colleges?
Median earnings 10 years after graduation are $60,110, indicating a good return on investment. Compared to peer institutions, St. Mary's College of Maryland offers a strong academic environment with good graduation and earnings outcomes, despite higher tuition.
What career prospects do St. Mary's College of Maryland graduates have?
Graduates of St. Mary's College of Maryland are well-positioned for careers in public service, education, and various professional fields due to the college's strong academic programs and supportive environment.
What should prospective students know about St. Mary's College of Maryland?
St. Mary's College of Maryland is well-suited for students seeking a small, public college experience with a strong focus on academic success and career readiness.
What makes St. Mary's College of Maryland stand out?
Affordability score of 90 makes it more accessible than many other institutions with similar tuition rates.
What are the pros and cons of attending St. Mary's College of Maryland?
Diverse student body with a significant white population and smaller Hispanic and Asian populations.
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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.