Stephens College
Columbia, MO 65215 — Private Nonprofit
Value Score: 55/100 | ROI Score: -62 | Affordability Score: 55/100
Tuition (In-State): $28,300 | Out-of-State: $28,300
Acceptance Rate: 77.2% | Graduation Rate: 44.7% | Retention Rate: 78.4%
Median Earnings (10yr): $43,071 | Median Debt: $27,000
ACT Midpoint: 21
Student Body Size: 391 (small)
Pell Grant Recipients: 45.2% | Federal Loan Rate: 61.7%
Average Faculty Salary: $7,780/month
Tuition & Affordability Analysis
In-state tuition at Stephens College is $28,300 per year, which is 28% below the national average for private institutions.
Out-of-state students pay $28,300/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: $113,200 (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 Stephens College:
- Families earning $0–$30,000: $9,918/year
- Families earning $30,001–$48,000: $14,796/year
- Families earning $48,001–$75,000: $18,547/year
- Families earning $75,001–$110,000: $25,644/year
- Families earning $110,000+: $29,787/year
Low-income families receive an average discount of $18,382/year, paying just 35% of the sticker price.
Admissions Snapshot
Stephens College has an acceptance rate of 77.2%, placing it in the Less Selective (70–85%) category. This means roughly 127 students apply each year.
The ACT midpoint is 21, near the national average.
Graduate Outcomes & Return on Investment
44.7% of students at Stephens College complete their degree, 28% below the national average. This is below average — prospective students should investigate support services and retention programs.
First-year retention rate: 78.4% (3% below the national average). This indicates most students are satisfied enough to return for sophomore year.
Graduates of Stephens College earn a median salary of $43,071 ten years after enrollment, 5% above the national average. This represents a $8,071/year earnings premium over the average high school diploma holder, or $242,130 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $27,000, 26% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $293/month, with a total repayment of $35,160 (including $8,160 in interest).
Debt-to-Earnings Ratio: 0.63x. This is a healthy ratio, suggesting debt is manageable for most graduates.
Breakeven Point: Based on the earnings premium over high school graduates, a degree from Stephens College pays for itself in approximately 15 years. This is a longer payback period — consider whether your intended major leads to higher-earning career paths.
Financial Aid Profile
45.2% of students at Stephens College receive Pell Grants (federal need-based aid for families earning under ~$60,000), 37% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.
61.7% of students take federal loans, 31% above the national average. This high borrowing rate means most students need loans to attend. Factor loan payments into your decision carefully.
Average faculty salary: $7,780/month, 11% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
Stephens College enrolls 391 undergraduate students. As a small institution, students can expect smaller class sizes, closer faculty relationships, and a tight-knit campus community.
Diversity Index: 75/100 (higher = more diverse). Stephens College has a highly diverse student body with strong representation across multiple racial and ethnic groups.
Student body composition: White 49%, Hispanic 1%, Black 8%, Asian 2%.
Stephens College: A Small Private Institution with a Focus on Women's Education
- Stephens College: Investing in Your Future, or a Risky Bet?
- Beyond the Classroom: Where Stephens College Graduates Thrive
- Experience Stephens: A Unique Path to Personal and Professional Growth
Report Card: Overall Grade D
Stephens College receives an overall grade of D based on six dimensions:
- Academics: D
- Value: F
- Outcomes: C
- Affordability: B+
College Analysis
Stephens College is a Private Nonprofit institution in Columbia, MO with approximately 391 students. Stephens College has a strong focus on women's education with a high admission rate, indicating a supportive and inclusive environment. The college's graduation rate is below average, which may be a concern for students seeking a higher completion rate. Median earnings 10 years after graduation are relatively low, suggesting limited career advancement opportunities post-graduation.
The Verdict: Is Stephens College Worth It?
Stephens College presents a complex value proposition. With an in-state and out-of-state tuition of $28,300 and a median 10-year earnings of $43,071, the immediate financial picture is challenging. The median debt of $27,000, when compared to the median earnings, suggests a debt-to-income ratio that requires careful financial management. The ROI score of -62 strongly indicates that, on average, graduates do not recoup their investment within a typical timeframe, and may struggle to out-earn their educational expenses. The cost of attendance significantly outpaces the median earnings, meaning it would take approximately 15-20 years of saving solely from the median salary to pay off the median debt, without accounting for interest or living expenses. While Stephens College offers a unique educational experience, particularly for women, the financial return on investment appears to be a significant concern. It is not a clear 'good deal' based on these metrics. It might be considered a 'hidden gem' only if the student highly values the specific educational philosophy and community, and has a clear, high-earning career path in mind that deviates from the median outcome. For most students, the financial outlay appears to be overpriced relative to the average post-graduation earnings.
Return on Investment
Given the high tuition and debt, the degree from Stephens College may not be worth the cost for many students, especially considering the limited career prospects.
Debt Reality Check
Median student debt at Stephens College: $27,000. Monthly payment on a standard 10-year plan: $307/month. Total repaid: $36,840 ($9,840 in interest).
Breakeven vs high school diploma: 2.1 years. Debt burden: Manageable. Salary needed for comfortable repayment: $36,840.
Strengths
- Supportive and inclusive environment for women's education
- Access to cultural and educational resources in Columbia, Missouri
Weaknesses
- Below average graduation rate
- Limited career advancement opportunities
Academic Profile
ACT Midpoint: 21. Retention Rate: 78.4%.
Stephens College distinguishes itself with a commitment to personalized learning, particularly within its strong programs designed for women. While the overall student body is small, the academic offerings are thoughtfully curated to provide depth and opportunity. Notable strengths lie in areas such as Fashion Communication, Interior Design, and Theatre, where hands-on experience and industry connections are emphasized. The School of Creative and Performing Arts is a cornerstone, offering rigorous training in performance, design, and technical theatre. The School of Health Sciences also provides robust programs, preparing students for careers in nursing and other healthcare fields.
Faculty quality is a significant asset, though specific salary data isn't publicly available. However, the small student-faculty ratio, a natural consequence of the college's size, ensures that students receive individualized attention from instructors who are often experts in their fields. This close interaction facilitates mentorship, research collaboration, and a deeper understanding of course material. Students have opportunities to engage in research, often assisting faculty on projects or undertaking their own independent studies, particularly within the arts and sciences.
Stephens offers an Honors Program for academically high-achieving students, providing enriched coursework, research opportunities, and a more intensive academic experience. Study abroad programs are available, allowing students to broaden their horizons and gain global perspectives, often integrated with their specific fields of study. Academic support resources are robust, including tutoring services, writing centers, and academic advising, all designed to help students navigate their coursework successfully and achieve their academic goals. The college's focus on career preparation means that academic programs are closely aligned with industry needs, ensuring graduates are well-equipped for their chosen professions.
Financial Aid Guide for Stephens College
Pell Grant recipients: 45.2%. Students taking federal loans: 61.7%.
Navigating the financial aid landscape at Stephens College is a personalized process, reflecting the institution's commitment to individual student success. Given the tuition of $28,300, understanding the aid options is crucial. Stephens offers a range of financial aid, including merit-based scholarships, need-based grants, and federal student loans. Merit scholarships are often awarded automatically based on academic achievement during the admissions process, recognizing strong GPAs and extracurricular involvement. While specific dollar amounts vary, these scholarships can significantly reduce the net cost of attendance for eligible students.
Need-based aid is determined by the information provided on the FAFSA (Free Application for Federal Student Aid) and potentially the CSS Profile. This aid can come in the form of federal grants like the Pell Grant (though the Pell Grant Rate is not specified, it's a key federal resource) and institutional grants. For students demonstrating financial need, a combination of grants and loans is typically packaged. Work-study opportunities are also available, allowing students to earn money through part-time jobs on campus or in approved off-campus locations, providing valuable work experience alongside financial assistance.
Typical aid packages can vary widely based on a student's financial profile. For families with lower incomes, a substantial portion of the cost might be covered by grants and federal aid, potentially reducing out-of-pocket expenses significantly. For middle-income families, a mix of merit scholarships, institutional grants, and federal loans might be offered. It's important for prospective students to complete the FAFSA as early as possible, ideally by the priority deadline, to maximize their eligibility for all types of aid.
Scholarship tips include actively seeking out departmental scholarships, applying for external scholarships from various organizations, and highlighting unique talents or experiences in application essays. While Stephens is generally supportive of financial aid discussions, negotiating aid packages is typically more realistic at highly selective institutions or when a student has a competing offer from a similarly ranked college. However, open communication with the financial aid office about any changes in financial circumstances is always encouraged.
Hidden Costs at Stephens College
- Housing costs can range from approximately $7,000 to $10,000 per academic year, depending on the room type and residence hall.
- Meal plans typically cost between $4,000 and $5,000 annually, with various options available.
- Textbooks and course materials can add an estimated $1,000 to $1,500 per year.
- Student activity fees, technology fees, and other miscellaneous campus fees can total around $500 to $1,000 per year.
- Personal expenses, including toiletries, entertainment, and incidental travel, might amount to $1,500 to $2,500 annually.
- Transportation costs, especially for students traveling home or exploring the region, can vary significantly but budget at least $500-$1,000 annually.
- Health insurance, if not covered by a parent's plan, can cost upwards of $2,000-$3,000 per year.
Alumni Outcomes & Career Paths
Stephens College, a private women's college in Columbia, Missouri, offers a unique educational experience with a focus on career preparation. While specific data on major employers actively recruiting on campus is not publicly detailed, the college's emphasis on programs like fashion, business, and health sciences suggests alumni find opportunities in sectors such as retail, marketing, healthcare administration, and education. Given its size and location, it's likely that regional employers in Missouri and surrounding states are key hiring grounds. Graduates may find roles at companies like Cerner (now Oracle Health), St. Luke's Health System, or within local fashion boutiques and marketing agencies in the Kansas City and St. Louis areas. The college's career services are designed to foster internship pipelines, with a strong emphasis on experiential learning. While specific internship partners aren't listed, common placements would likely be in fashion houses, non-profits, educational institutions, and healthcare facilities. Graduate school placement rates are not prominently published, but students pursuing advanced degrees would likely target programs in education, counseling, or business administration. Notable alumni are often recognized within their specific fields, though a comprehensive public list is not readily available. Geographic hiring patterns tend to favor the Midwest, with a significant portion of graduates remaining in Missouri or nearby states, leveraging their education in local and regional economies. The college's focus on developing well-rounded individuals aims to equip them for diverse career paths, though the specific breadth of industries and employers is more concentrated due to its specialized nature and location.
Campus Life & Culture at Stephens College
Stephens College serves a predominantly undergraduate population of around 400 students, fostering a close-knit and highly personalized educational experience. The student body is primarily composed of women, creating a unique environment focused on empowerment and leadership development. While specific geographic and diversity data are limited, the college likely attracts students seeking a focused, supportive community and a distinct educational path.
Stephens College in Columbia, Missouri, offers a distinctively intimate and empowering campus experience, largely shaped by its focus on women's education and its integration with the larger University of Missouri (Mizzou) community. With an enrollment of just under 400 students, Stephens fosters a close-knit environment where personal attention and strong peer relationships are paramount. The 'vibe' is one of focused ambition, creativity, and mutual support, often described as a 'sisterhood' where students feel seen and encouraged.
Campus life is centered around the historic Stephens campus, a beautiful collection of red-brick buildings and green spaces that feels both traditional and vibrant. While Stephens doesn't have traditional Greek life in the way larger universities do, the sense of community is strong, with numerous student organizations catering to diverse interests, from academic clubs and leadership groups to arts and cultural associations. The Student Government Association (SGA) plays a key role in shaping student life and advocating for student needs.
Social life often involves a blend of on-campus events and participation in the broader Columbia scene, leveraging the resources of Mizzou. Students might attend campus movie nights, guest lectures, or creative showcases, alongside exploring Columbia's downtown area, local eateries, and Mizzou's extensive campus events. Housing is primarily on-campus, with residence halls designed to foster community and provide a supportive living-learning environment. Dining services offer meal plans that cater to student needs, with options available within the Stephens campus.
Athletics at Stephens are focused on club sports and intramurals, offering opportunities for recreation and friendly competition rather than NCAA Division I programs. This allows students to balance their academic pursuits with physical activity without the intense demands of varsity sports. The emphasis is on participation, skill-building, and fun. Overall, Stephens provides a unique environment for students seeking a personalized educational journey within a supportive, female-focused community, with the added benefit of access to the resources of a larger university.
Campus Highlights
- The historic and picturesque red-brick campus, offering a traditional yet intimate collegiate atmosphere.
- A strong focus on women's education, fostering a supportive and empowering environment for personal and academic growth.
- Integration with the University of Missouri (Mizzou), providing access to a wider range of resources, courses, and campus activities.
- Renowned programs in areas like Fashion Communication and Theatre, offering specialized training and industry connections.
- The close-knit community feel, where students often form deep bonds and receive personalized attention from faculty.
- Emphasis on experiential learning and career preparation, ensuring graduates are well-equipped for their chosen fields.
- A vibrant student life program with numerous clubs and organizations, encouraging leadership and engagement.
Location & Regional Advantages
Stephens College is situated in Columbia, Missouri, a vibrant college town that offers a moderate cost of living compared to major metropolitan areas. This location provides a stable, albeit not a booming, regional job market. Columbia itself is home to the University of Missouri, which contributes to a dynamic local economy with opportunities in education, healthcare, and research. Proximity to larger industry hubs like Kansas City (approximately 2 hours away) and St. Louis (approximately 2.5 hours away) offers Stephens graduates access to a broader range of career opportunities, particularly in sectors like technology, finance, and advanced manufacturing, though these require relocation. The quality of life in Columbia is generally considered good, with a friendly atmosphere, access to outdoor recreational activities, and a relatively safe environment. The weather is typical of the Midwest, featuring four distinct seasons with warm summers and cold winters. While Columbia offers a supportive community and a lower cost of living, which can be advantageous for recent graduates managing student debt, the geographic isolation from major national industry centers means that career opportunities directly tied to cutting-edge industries might be less abundant without a willingness to relocate post-graduation. The college's career services likely focus on building connections within Missouri and the surrounding region to maximize local employment prospects.
How to Get Into Stephens College
Applying to Stephens College is a process that values a student's potential, passion, and fit within its unique community. With an admission rate of 77.2%, Stephens is accessible, but a thoughtful application is still key to demonstrating your readiness and enthusiasm. The admissions office looks beyond just grades and test scores, seeking individuals who will contribute to the college's vibrant, supportive, and empowering environment.
While Early Decision (ED) and Early Action (EA) aren't explicitly highlighted as having significant advantages due to the selectivity level, applying earlier in the cycle is always recommended to ensure full consideration for both admission and scholarships. The admissions committee will carefully review your high school transcript, focusing on the rigor of your coursework and your GPA. While SAT/ACT scores are not provided, if submitted, they would likely be considered in context with the rest of your application.
Your college essay is a crucial component. Use it to showcase your personality, your aspirations, and why Stephens, specifically, is the right place for you. Highlight experiences that demonstrate leadership, resilience, creativity, or a commitment to women's empowerment. Connecting your personal story to Stephens' mission and programs will make a strong impression. Demonstrated interest can be shown through attending virtual or in-person information sessions, visiting campus (if possible), and engaging with admissions counselors.
The ideal timeline involves having your application, transcripts, and any required essays or recommendations submitted well before the deadlines, typically in the late fall or early spring for fall admission. Focus on presenting a well-rounded picture of yourself, emphasizing your unique contributions and your alignment with the Stephens College values.
How Stephens College Compares to Similar Schools
Similar schools: William Woods University, Culver-Stockton College, Missouri Valley College
Advantages
- Strong focus on women's leadership and empowerment
- Smaller class sizes fostering personalized attention
- Unique programs in areas like fashion and equine studies
Disadvantages
- Lower graduation rates compared to some peers
- Limited geographic access to major industry hubs
- Lower median alumni earnings compared to national averages
Best For
- Students seeking a high completion rate and strong career advancement opportunities may want to consider other institutions.
- Prospective students interested in a small, supportive environment with a focus on women's education may find Stephens College ideal.
Avoid If
- Students looking for a diverse student body with a higher percentage of underrepresented minorities may want to explore other options.
- Those seeking a lower tuition rate or more financial aid opportunities may want to consider other institutions.
Frequently Asked Questions about Stephens College
How much does it cost to attend Stephens College?
In-state tuition at Stephens College is $28,300 per year, and out-of-state tuition is $28,300 per year. The median student debt at graduation is $27,000.
What is the acceptance rate at Stephens College?
Stephens College has an acceptance rate of 77.2%.
What is the graduation rate at Stephens College?
Stephens College has a graduation rate of 44.7%.
How much do Stephens College graduates earn?
The median earnings for Stephens College graduates 10 years after enrollment is $43,071. With median debt of $27,000, graduates earn roughly 1.6x their debt level annually.
How big is Stephens College?
Stephens College has approximately 391 students and is classified as a small institution. It is located in Columbia, MO and is a Private Nonprofit institution.
Is Stephens College worth the cost?
Stephens College has an ROI score of -62 out of 100. With in-state tuition of $28,300 per year and median post-graduation earnings of $43,071, the data suggests the return on investment may be below average.
Where is Stephens College located?
Stephens College is located in Columbia, MO. It is a Private Nonprofit institution with approximately 391 students.
How much student debt do Stephens College graduates have?
The median student debt for Stephens College graduates is $27,000. With median earnings of $43,071 ten years after enrollment, graduates can expect a debt-to-income ratio of 63%.
Is Stephens College a good college?
Stephens College has a graduation rate of 44.7% and median post-graduation earnings of $43,071. Stephens College has a predominantly white student body with a small percentage of Asian students.
How does Stephens College compare to similar colleges?
The college offers a tuition rate of $28,300 for both in-state and out-of-state students. While Stephens College offers a supportive environment for women's education, the low graduation rate and limited career advancement opportunities may make it less attractive compared to peer institutions.
What career prospects do Stephens College graduates have?
Graduates of Stephens College are well-prepared for careers in the arts and humanities, particularly in fields related to women's studies and gender issues.
What should prospective students know about Stephens College?
Stephens College is positioned in a competitive market for women's colleges, offering a niche but potentially limited range of career opportunities.
What makes Stephens College stand out?
The median debt upon graduation is $27,000, which is relatively high compared to other institutions.
What are the pros and cons of attending Stephens College?
The college's location in Columbia, Missouri, provides access to a variety of cultural and educational resources.
Explore More
Colleges in Missouri
Browse all colleges in Missouri
Similar Schools
College Rankings
Research Tools
H-1B Visa Salary Data
- H-1B Salaries in Missouri — Visa sponsorship salary data for Missouri
- Top H-1B Sponsors — Companies sponsoring work visas
- H-1B Salary Calculator
Visit Stephens College 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.