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🎓 College profile

Calvary University

MO · Private nonprofit · Large city · 110 applicants 2023

71% admit rate SAT 910–1200 $13,749/yr at $110k+ income

🧭 A parent's read

  • The payoff holds even at full price: roughly 5× over a decade. With no aid at all — the full ~$23,938/yr — a decade of median earnings (~$45,421/yr) still runs about 5× the four-year cost. This payoff doesn't depend on qualifying for anything.
  • Ask the submit question deliberately. This college is test-optional — but at many such colleges, applicants who submit strong scores are admitted at meaningfully higher rates. “Optional” is a strategy decision, not a pass.

Composed from this page's data — every claim is backed by a number in the sections below.

Get your child's odds at Calvary University Free Family Decision Report — Reach / Match / Likely + your real net price. Calvary University starts already on the list. Start →

🎯 Parent/student verdict

Likely

Accessible for most applicants. Heavy discounting — aid recipients average ~$16,334/yr net; strong students should also check the merit grid.

✅ Best for

  • Students focused on Theology & Religious Vocations (the school's signature program)
  • Families wanting a small liberal-arts experience

🎯 The reality

  • Bottom-quartile academic profile if: SAT below 910, or ACT below 16 (admitted-class quartiles; GPA floor is a calibrated heuristic where CDS not yet on file)

Verdict is composed from this college's structured data (admit rate, SAT bands, net price by income, Carnegie classification, scholarship grids) using transparent rule thresholds — not a chat-bot's opinion.

🏛️ Institutional snapshot

What kind of college is this?

Carnegie classification
Baccalaureate Colleges: Diverse Fields
Total enrollment
154
Under 1,000
TuitionThe published full price before any aid. Families who don't qualify for need-based aid — common above ~$110K income — pay this, minus any merit scholarships.
$14,094
flat rate (no in/out-of-state split)
Admit rateThe share of applicants a college accepts. Useful context, but your student's odds depend on their own grades and scores, not the average.
70.9%
Accessible
SAT middle 50%The middle half of enrolled students scored in this range — a quarter scored BELOW the low end and still got in, and a quarter scored above the high end. Above the top number is a genuine strength; below the bottom isn't automatic rejection.
910–1200
EBRW + Math composite
ACT middle 50%The middle half of enrolled students scored in this range — a quarter scored BELOW the low end and still got in, and a quarter scored above the high end. Above the top number is a genuine strength; below the bottom isn't automatic rejection.
16–23
composite
Test policyApplicants choose whether to send SAT/ACT scores. At many such colleges, students who submit strong scores are still admitted at higher rates.
Test-optional
2023
10-yr earningsMedian yearly pay of former students ten years after they STARTED here — not ten years after graduating — all majors combined. The broadest single outcome number a college reports.
$45,421
median, after entry

Source: federal IPEDS Admissions 2023 for scores + admit rate; federal College Scorecard (20260606 vintage) for earnings + outcomes. SAT/ACT bands are the 25th–75th percentile of enrolled submitters.

📊 Outcomes & cost

What graduates actually earn, finish, and owe.

Federal College Scorecard data. Earnings are median annual income measured years after entering. Debt is for federal-aid borrowers only (cash-pay students aren't counted).

Earnings, 6 yrs after entry
$33,144
Earnings, 10 yrs after entryMedian yearly pay of former students ten years after they STARTED here — not ten years after graduating — all majors combined. The broadest single outcome number a college reports.
$45,421
4-year completionThe share of students who finish a bachelor's in four years. Nationally barely half do — and a fifth year quietly adds a full extra year of cost to the real price.
52%
Median debt (completers)The federal-loan balance of the typical graduating borrower. Families who pay cash aren't counted, so read it as "among those who borrowed."
$20,839

💰 The real cost

What families at your income actually pay

Above $110K income — where most Reach families sit — aid-receiving families average $13,749/yr at Calvary University; families who don't qualify for aid pay the full ~$23,938/yr. Lower brackets pay less — the full ladder is below. One caveat, once: every bracket figure here averages only the families in that bracket who received aid — it says nothing about whether your family will qualify.

🔎 Earning over $110K? You're above the top federal bracket — the median family headed by a 45-to-54-year-old (the prime college-parent years) earned about $134K in 2024, and the federal data lumps everyone from $110K to $1M+ into one row.

Whether you'll get need aidGrant money based on your family's finances (via FAFSA and the college's own forms), not your student's stats. at this income is entirely college-specific: a few heavily-endowed schools meet full need well past $150K, while many others give little above the brackets shown — there, merit scholarships, where offered, become the realistic lever.

Start your Family Decision Report →

Your odds + estimated net price across your whole college list — then confirm the exact figure with Calvary University's own Net Price Calculator ↗ (10–15 min; have your tax return handy).

Family income $110k+ most Reach families
$13,749/yr
Family income $75-110k
$16,666/yr
Family income $48-75k
$21,115/yr
Family income $30-48k
$15,734/yr
Family income $0-30k
$16,764/yr

📈 The payoffTen years of typical earnings divided by four years of cost. A 3× means a decade of median pay covers the cost three times over — check both the full-price and with-aid versions to see which applies to you., both ways

4.7× at full price 7.0× with aid
Full price, no aidThe all-in yearly price — tuition, housing, food, books, fees — before any aid. This is the real "full price," not just the tuition line. (4 yrs)
$95,752
~$23,938/yr all-in
Aid recipients pay (4 yrs)
$65,336
$16,334/yr average
10-yr earnings total
$454,210
$45,421/yr median, 10 yrs out
Years to recoup the cost
2.1 yrs
at full price (1.4 with aid), at the median earnings rate

Source: College Scorecard (NPT41–NPT45; Title IV first-time, full-time undergraduates; suppressed brackets = small cohorts; the $110K+ ceiling is a federal data limitation — the brackets haven't been refreshed since the early 2010s). Payoff multiple = (10-yr median earnings × 10) ÷ (4-yr cost); full price is the published cost of attendance; earnings are 10 years after enrollment, all majors combined.

📚 What students study here

Most popular majors at Calvary University

Top 5 fields of study by bachelor's degrees awarded (most recent IPEDS Completions). Use this to see what Calvary University actually graduates — not just what it markets.

1. Theology & Religious Vocations
24 degrees · 55.8%
2. Business, Management, & Marketing
9 degrees · 20.9%
Broad set of corporate roles. Finance + consulting pay top, accounting + HR pay middle, sales spread is wide.
3. Multi/Interdisciplinary Studies
5 degrees · 11.6%
Often paired with another field (data + biology, design + tech). Outcomes match the second discipline.
4. Education
3 degrees · 7.0%
Teaching is the largest path. Salary depends heavily on district + state.
5. Visual & Performing Arts
2 degrees · 4.7%
Highly variable. Steady-pay roles cluster in design, illustration, production. Performance careers have very wide income distributions.

Sources: IPEDS Completions (C2023_a; bachelor's-level first majors, 2-digit CIP family — share is of the top 5 only). Full college-vs-major comparison: /college-outcomes →

Alternatives to Calvary University

Matched not just by selectivity, but by strategic goal — what a family actually decides on.

🏆 Better merit-aid options
These similar-selectivity schools publish merit scholarships your family can plan around — your kid’s stats could unlock real scholarship dollars.
Texas Tech University
TX · Public
30 stats-based + 1 competitive scholarships
University of Mississippi
MS · Public
14 stats-based + 1 competitive scholarships
University of Louisville
KY · Public
13 stats-based + 6 competitive scholarships
💰 Lower full price
Similar selectivity, but a meaningfully lower full sticker price — the comparison that matters most for families who won't qualify for much need-based aid.
United States Merchant Marine Academy
NY · Public
$9,168/yr full price (in-state) · $14,770 less before aid
Indiana University-Kokomo
IN · Public
$11,837/yr full price (in-state) · $12,101 less before aid
Abraham Baldwin Agricultural College
GA · Public
$13,956/yr full price (in-state) · $9,982 less before aid
🛡️ Safer in-state options
Same state and similar selectivity, but with a more forgiving admit rate — useful safety / match anchors.
Northwest Missouri State University
MO · Public
86% admit rate (vs 71% here)
Missouri State University-Springfield
MO · Public
91% admit rate (vs 71% here)
Missouri Southern State University
MO · Public
97% admit rate (vs 71% here)

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