Truman State University
Kirksville, MO 63501-4221 — Public
Value Score: 80/100 | ROI Score: 43 | Affordability Score: 90/100
Tuition (In-State): $9,838 | Out-of-State: $18,566
Acceptance Rate: 83.8% | Graduation Rate: 68.5% | Retention Rate: 84.7%
Median Earnings (10yr): $56,280 | Median Debt: $21,000
SAT Average: 1320 | ACT Midpoint: 27
Student Body Size: 2,513 (medium)
Pell Grant Recipients: 16.5% | Federal Loan Rate: 27.4%
Average Faculty Salary: $7,584/month
Tuition & Affordability Analysis
In-state tuition at Truman State University is $9,838 per year, which is 10% below the national average for public institutions.
Out-of-state students pay $18,566/year — a premium of $8,728 over in-state rates. Over four years, out-of-state students pay approximately $34,912 more than their in-state peers.
Estimated four-year tuition cost: $39,352 (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 Truman State University:
- Families earning $0–$30,000: $6,046/year
- Families earning $30,001–$48,000: $7,926/year
- Families earning $48,001–$75,000: $12,426/year
- Families earning $75,001–$110,000: $15,425/year
- Families earning $110,000+: $17,220/year
Low-income families receive an average discount of $3,792/year, paying just 61% of the sticker price.
Admissions Snapshot
Truman State University has an acceptance rate of 83.8%, placing it in the Less Selective (70–85%) category. This means roughly 750 students apply each year.
Truman State University accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.
The average SAT score of admitted students is 1320, 25% above the national average. This reflects a strong academic student body.
The ACT midpoint is 27, 29% above the national average.
Graduate Outcomes & Return on Investment
68.5% of students at Truman State University complete their degree, 10% above the national average. This is a solid graduation rate.
First-year retention rate: 84.7% (5% above the national average). This indicates most students are satisfied enough to return for sophomore year.
Graduates of Truman State University earn a median salary of $56,280 ten years after enrollment, 38% above the national average. This represents a $21,280/year earnings premium over the average high school diploma holder, or $638,400 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: 0.37x. 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 Truman State University pays for itself in approximately 2 years. This is an excellent return on investment.
Financial Aid Profile
16.5% of students at Truman State University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 50% 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.
27.4% of students take federal loans, 42% 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: $7,584/month, 13% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
Truman State University enrolls 2,513 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.
Diversity Index: 40/100 (higher = more diverse). The student body is less diverse than average.
Student body composition: White 78%, Hispanic 4%, Black 2%, Asian 2%.
Truman State University: A Cost-Effective Public Institution with Strong Academic and Career Outcomes
- Truman State: Your Affordable Launchpad to a $56k+ Career
- Beyond the Classroom: Truman State Graduates Thrive in Diverse Industries
- Small Town, Big Future: Discover Value and Opportunity at Truman State
Report Card: Overall Grade C+
Truman State University receives an overall grade of C+ based on six dimensions:
- Academics: D+
- Value: B-
- Outcomes: B
- Affordability: B
College Analysis
Truman State University is a Public institution in Kirksville, MO with approximately 2,513 students. Academics: Truman State University offers a strong academic environment with a graduation rate of 68.45%. Value: The university is highly affordable, with an affordability score of 90, making it a cost-effective choice. Outcomes: Graduates have a median earning of $56,280 after 10 years, indicating good career prospects.
The Verdict: Is Truman State University Worth It?
Truman State University presents a compelling case for value, especially for in-state students. With an in-state tuition of $9,838 and a median 10-year earning potential of $56,280, the financial picture is quite positive. The median debt of $21,000 is also relatively modest. A simple calculation suggests that the annual tuition cost is less than 20% of the median annual earnings, indicating a strong return. The debt payoff timeline, assuming a reasonable portion of earnings goes towards repayment, could be as short as 3-5 years post-graduation, especially when considering the low cost of living in Kirksville. The ROI score of 43 further supports its standing as a good investment. For out-of-state students, the higher tuition ($18,566) still offers reasonable value, though the payback period will be extended. Overall, Truman State is a hidden gem for those seeking a quality education without the burden of excessive student debt, particularly for Missouri residents. It's a good deal, offering a solid pathway to financial stability.
Return on Investment
While the tuition is relatively low, the graduation rate is below the national average for private institutions, which may affect the return on investment.
Debt Reality Check
Median student debt at Truman State University: $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: 0.8 years. Debt burden: Manageable. Salary needed for comfortable repayment: $28,560.
Strengths
- Strong academic environment and good career outcomes
- Highly affordable tuition and low median debt
- Diverse student body
Weaknesses
- Graduation rate is below the national average for private institutions
- Limited specialized programs
- Located in a small city, which may not appeal to all students
Academic Profile
SAT Average: 1320. ACT Midpoint: 27. Retention Rate: 84.7%.
Truman State University prides itself on being Missouri's premier public liberal arts and sciences institution, and this focus is evident across its academic offerings. The university is particularly renowned for its strong programs in the sciences, business, and education. Departments like Biology, Chemistry, and Health Sciences are highly regarded, preparing students for competitive graduate programs and careers in healthcare. The School of Business offers robust majors such as Accounting, Finance, and Management, consistently placing graduates in successful roles. Education programs are also a cornerstone, with a long history of producing highly effective teachers. Research opportunities are abundant, even for undergraduates, with faculty actively involving students in projects through programs like the Student Research Conference. While specific faculty salary data isn't provided, the university's commitment to undergraduate education suggests a faculty dedicated to teaching and mentorship. The student-faculty ratio, though not explicitly stated, is likely favorable given the university's size, fostering personalized attention. Truman's Honors Program offers a challenging curriculum and enriched experiences for high-achieving students, including priority registration and exclusive seminars. Study abroad is encouraged, with numerous partnerships facilitating international experiences. Academic support is robust, with the Academic Success Center providing tutoring, writing assistance, and academic coaching to ensure students can thrive.
Financial Aid Guide for Truman State University
Pell Grant recipients: 16.5%. Students taking federal loans: 27.4%.
Truman State University offers a range of financial aid options to make its high-quality education accessible. Merit-based scholarships are a significant component, awarded automatically based on academic achievement (GPA and ACT scores, though specific thresholds vary annually). For instance, students with strong academic profiles might receive scholarships ranging from $2,000 to $8,000 per year. Need-based aid, determined by the FAFSA, is also crucial. Federal Pell Grants can provide substantial support for lower-income students, with award amounts fluctuating based on federal guidelines and EFC. Missouri residents may also qualify for state grants. Truman also participates in the Federal Work-Study program, offering part-time employment opportunities on campus for eligible students, typically paying minimum wage or slightly above. Typical aid packages for students from families with an Adjusted Gross Income (AGI) below $40,000 might include a combination of federal grants, state aid, and potentially some institutional scholarships, often covering a significant portion of tuition and fees. For families with AGIs between $70,000-$100,000, merit scholarships become more critical, alongside federal loans. Negotiating aid at Truman is generally not a primary strategy; the university has established criteria for merit and need-based awards. However, if a student has a significant competing offer from a similarly ranked institution or has experienced a documented change in financial circumstances, a conversation with the financial aid office might be warranted, though outcomes are not guaranteed. It's essential to file the FAFSA by the priority deadline (typically March 1st) to maximize eligibility for all aid types.
Hidden Costs at Truman State University
- Room and board costs can range from approximately $9,000 to $12,000 annually, depending on the chosen meal plan and residence hall.
- Textbooks and course materials can add an estimated $1,000 to $1,500 per academic year.
- Mandatory student fees, covering services like technology, student activities, and health services, typically amount to around $1,500 per year.
- Transportation costs, especially for students commuting from out of state or traveling home during breaks, can vary widely but budget at least $500-$1,000 annually.
- Parking permits for students with vehicles on campus can cost between $100 and $250 per academic year.
- Personal expenses, including toiletries, entertainment, and miscellaneous items, should be budgeted at approximately $1,500 to $2,500 per year.
Alumni Outcomes & Career Paths
Truman State University graduates are positioned for success across a range of sectors, with a notable presence in education, healthcare, and business. While specific recruitment data for Truman is not publicly detailed, institutions of its caliber often see graduates enter roles at regional healthcare systems like Mosaic Life Care and Hannibal Regional Hospital, as well as school districts throughout Missouri and neighboring states. In the business realm, alumni may find opportunities with companies such as Enterprise Holdings, Edward Jones, and local financial institutions. The university's strong emphasis on liberal arts and sciences provides a solid foundation for further study, with many graduates pursuing advanced degrees. While specific graduate school placement rates are not readily available, the academic rigor suggests a good pipeline to programs in fields like law, medicine, and specialized master's degrees. Career Services at Truman State is a key resource, offering personalized advising, resume workshops, and career fairs designed to connect students with employers. Internship pipelines are often cultivated through faculty connections and alumni networks, providing practical experience in fields relevant to their majors. Geographic hiring patterns tend to favor Missouri and the Midwest, though graduates are certainly mobile and can be found in major metropolitan areas nationwide, particularly in fields requiring specialized skills or advanced degrees. The median 10-year earnings of $56,280 suggest a solid return on investment, with many alumni progressing into mid-career roles with significant earning potential.
Campus Life & Culture at Truman State University
Truman State University attracts a predominantly Missouri-based student body, though students from across the nation and internationally also enroll. The university thrives with students who are academically motivated, engaged in campus activities, and appreciate a close-knit, supportive community. Students who are independent thinkers and enjoy a liberal arts-focused education tend to find Truman an excellent fit.
Truman State University, nestled in the heart of Kirksville, Missouri, cultivates a close-knit, academically focused campus culture often described as a 'home away from home.' With a student body of just over 2,500, the university fosters a strong sense of community where students are likely to know each other across different majors and years. The residential experience is central to campus life, with most first- and second-year students living on campus in residence halls like North Campus, South Campus, and West Campus, each offering unique living-learning communities. Beyond the halls, Truman boasts over 200 student organizations, ranging from academic clubs like the Pre-Med Society and the Accounting Club to a vibrant intramural sports scene and diverse cultural groups. Greek life, while present with a few fraternities and sororities, is not the dominant social force, allowing for a broader range of social activities. The SUB (Student Union Building) serves as a central hub for dining, socializing, and student services, featuring various eateries and lounges. Athletics are a significant part of the Bulldog spirit, with strong NCAA Division II programs in sports like football, basketball, and soccer drawing enthusiastic crowds to events at Stokes Stadium and Pershing Arena. The overall vibe is one of engaged learning, friendly interactions, and a shared commitment to academic success, amplified by the small-town setting that encourages students to explore local Kirksville and build lasting relationships.
Campus Highlights
- Missouri's premier public liberal arts and sciences university, offering a focused academic environment.
- Strong emphasis on undergraduate research opportunities, even for first-year students.
- The 'Bulldog' spirit is palpable, with active NCAA Division II athletics and strong student support.
- A vibrant campus life with over 200 student organizations catering to diverse interests.
- The historic Quad serves as the picturesque heart of campus, ideal for studying and socializing.
- The nationally recognized Honors Program provides an enriched academic experience.
- A close-knit community feel fostered by the smaller student population and residential focus.
Location & Regional Advantages
Kirksville, Missouri, offers a unique, community-focused environment for Truman State University students. The local job market is modest, primarily driven by healthcare (especially with Truman Medical Center and Northeast Regional Medical Center), education, and some retail and service industries. This means that while internships and entry-level positions exist locally, many graduates will seek opportunities in larger metropolitan areas for broader career advancement. The cost of living in Kirksville is exceptionally low, significantly reducing the financial pressure on students and recent graduates compared to those in major cities. This affordability is a key advantage, allowing for faster debt repayment and greater financial flexibility. While Kirksville is not directly adjacent to a major industry hub, its location in Northeast Missouri provides a central point within the Midwest. Proximity to cities like Kansas City (approx. 3.5 hours) and St. Louis (approx. 3.5 hours) offers access to larger job markets and potential internship opportunities, though these require dedicated travel or relocation. The quality of life in Kirksville is characterized by a small-town feel, with a focus on community and a slower pace. Weather includes distinct seasons, with cold winters and warm summers. Safety is generally high, typical of smaller Midwestern towns. The geographic location's primary impact on career opportunities is the need for graduates to be proactive in seeking internships and jobs in larger regional centers or to leverage the university's network for remote or specialized roles.
How to Get Into Truman State University
Truman State University, with an admission rate around 83.8%, is considered moderately selective. While not highly competitive, a strong application is still necessary for admission. The admissions committee values academic achievement, demonstrated by a solid GPA and strong performance in college preparatory courses. While SAT/ACT scores are not provided, historically, a competitive ACT score would likely be in the mid-20s to low-30s range. Early Action (EA) is available, allowing students to apply early and receive a decision without being contractually obligated to attend, which can be advantageous for demonstrating interest. There is no Early Decision option. The university emphasizes a holistic review, meaning they look beyond just grades and scores. Essays are important; focus on showcasing your personality, unique experiences, and how you will contribute to the Truman community. Avoid generic topics and instead highlight specific examples of your growth, leadership, or problem-solving skills. Demonstrated interest is considered, so engaging with the university through campus visits (virtual or in-person), attending information sessions, and maintaining communication with the admissions office can be beneficial. The ideal timeline is to have your application submitted well before the priority deadline (often February 1st) to ensure full consideration for both admission and scholarships.
How Truman State University Compares to Similar Schools
Similar schools: University of Central Missouri, Missouri State University, Southeast Missouri State University, Western Illinois University
Advantages
- Stronger emphasis on liberal arts and sciences education, fostering critical thinking and broad skill development.
- Smaller class sizes and a more intimate campus environment conducive to personalized attention.
- Historically strong reputation within Missouri for academic quality and producing well-rounded graduates.
Disadvantages
- Less diverse range of specialized programs and graduate-level offerings compared to larger state universities.
- More limited access to large-scale industry partnerships and internship opportunities directly within Kirksville.
- Lower national brand recognition compared to larger flagship state institutions.
Best For
- Students seeking a large, urban campus may find Truman State University less appealing.
- Prospective students interested in highly specialized programs may not find them available at this institution.
Avoid If
- Students looking for a more affordable option with strong academic and career outcomes should consider Truman State University.
- Students seeking a highly selective institution with a higher graduation rate may want to explore other options.
Frequently Asked Questions about Truman State University
How much does it cost to attend Truman State University?
In-state tuition at Truman State University is $9,838 per year, and out-of-state tuition is $18,566 per year. The median student debt at graduation is $21,000.
What is the acceptance rate at Truman State University?
Truman State University has an acceptance rate of 83.8%.
What is the graduation rate at Truman State University?
Truman State University has a graduation rate of 68.5%.
How much do Truman State University graduates earn?
The median earnings for Truman State University graduates 10 years after enrollment is $56,280. With median debt of $21,000, graduates earn roughly 2.7x their debt level annually.
How big is Truman State University?
Truman State University has approximately 2,513 students and is classified as a medium institution. It is located in Kirksville, MO and is a Public institution.
Is Truman State University worth the cost?
Truman State University has an ROI score of 43 out of 100. With in-state tuition of $9,838 per year and median post-graduation earnings of $56,280, the return on investment is moderate.
Where is Truman State University located?
Truman State University is located in Kirksville, MO. It is a Public institution with approximately 2,513 students.
How much student debt do Truman State University graduates have?
The median student debt for Truman State University graduates is $21,000. With median earnings of $56,280 ten years after enrollment, graduates can expect a debt-to-income ratio of 37%.
Is Truman State University a good college?
Truman State University has a graduation rate of 68.5% and median post-graduation earnings of $56,280. Graduation rate of 68.45% is above the national average for public institutions.
How does Truman State University compare to similar colleges?
Median debt of $21,000 is relatively low compared to peer institutions. Compared to peer institutions, Truman State University offers a strong academic environment and good career outcomes at a lower cost.
What career prospects do Truman State University graduates have?
Graduates of Truman State University are well-prepared for careers in various fields, with a median earning of $56,280 after 10 years.
What should prospective students know about Truman State University?
Truman State University holds a strong position in the market, offering a balance of affordability and quality education.
What makes Truman State University stand out?
Highly diverse student body with 77.6% white students, 2.35% black, 4.14% Hispanic, and 1.75% Asian.
What are the pros and cons of attending Truman State University?
Located in a small city, offering a close-knit campus community.
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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.