Concordia University-Chicago
River Forest, Illinois · Private Nonprofit · 92.8% acceptance rate
ROI Score: 49/100 · Below Average Value
Data: 2024-25 College Scorecard release
Concordia University Chicago scores 49 (Below Average Value) on the CampusROI scale. The defining weakness is completion: 36.5% of enrolled students graduate - fewer than 2 in 5. No other metric can overcome this. Average 6-year earnings of $38,700 and an 11.2-year payback period are consequences of this completion failure. Median debt of $23,000 against those earnings yields a debt-to-earnings ratio of 0.594. The sticker tuition of $37,488 and net price of $18,436 suggest the institution applies meaningful aid, but the low completion rate means many students incur debt without the credential. The strongest program by earnings is Health and Medical Administrative Services (12 graduates, $65,314 year-one, $73,256 four-year, ROI grade B), followed by Human Resources Management (14 graduates, $51,763 year-one, $72,050 four-year, ROI grade C) and Teacher Education (35 graduates, $44,618 year-one, ROI grade C+). Kinesiology (100 graduates, D-grade, debt-to-earnings 0.895) is the highest-volume program and has a poor ROI. The Pell grant rate of 45.7% indicates a substantial lower-income student population that is most harmed by the low completion rate.
How Concordia University-Chicago scores under our methodology
These are the College Scorecard measures that pull this school's CampusROI score down. They describe the published figures, not the quality of the education, and they are our reading of the data. Check them against your own aid offer and intended major.
- 6-year graduation rate36.5% - The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our score, since a degree that is not finished rarely pays back.
Concordia University-Chicago
Quick Numbers
| In-state tuition + fees | $37,488/yr |
| Out-of-state tuition + fees | $37,488/yr |
| Average net price | $18,436/yr |
| Total 4-year cost (net) | $73,744 |
| Median earnings (10yr post-entry) | $54,089 |
| Average earnings (6yr post-entry) | $38,700 |
| Median debt at graduation | $23,000 |
| Estimated monthly loan payment | $244 |
| Estimated payback period | 11.2 years |
| 6-year graduation rate | 36.5% |
| Undergraduate enrollment | 1,323 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $37,488/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $18,436/year, or roughly $73,744 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $16,795/year here, while families earning over $110,000 pay $23,907/year.
Among graduates who borrowed, the median federal loan debt from this school is $23,000, which works out to about $244 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($38,700) and comes to 0.59, under 1.0, meaning median debt is less than a full year of those earnings.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $16,795 |
| $30,001 - $48,000 | $16,397 |
| $48,001 - $75,000 | $15,768 |
| $75,001 - $110,000 | $20,046 |
| $110,001+ | $23,907 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Students in the 0-30000 income bracket pay $16,795 net price per year; the 30001-48000 bracket pays $16,397. The aid formula is compressed across the lower income bands. At $16,000-$17,000 per year, Concordia Chicago is modestly priced for a Chicagoland private.
Middle-income families ($30K-$110K)
The 48001-75000 bracket pays $15,768 - actually lower than the lower-income bands, likely reflecting an aid formula anomaly. The 75001-110000 bracket rises to $20,046. The compressed and somewhat inverted aid schedule means that middle-income students near the $48,000-$75,000 band receive relatively favorable pricing. The fundamental completion challenge applies equally across all income bands.
Higher-income families ($110K+)
The 110001-plus bracket pays $23,907 per year - $95,628 all-in. At this price point, the 36.5% completion rate and 11.2-year payback period present a poor case for enrollment. Only students with strong religious affiliation reasons for choosing LCMS institutions and a clear plan for program completion would find the financial case defensible.
Earnings by Major
Top 9 most popular majors at Concordia University-Chicago with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Kinesiology and Exercise Science | $55,309 | D |
| Teacher Education | $45,532 | C+ |
| Psychology | $46,590 | D |
| Teacher Education, Subject-Specific | $55,212 | C |
| Human Resources Management | $72,050 | C |
| Business Administration, Management, and Operations | $54,533 | C+ |
| Health and Medical Administrative Services | $73,256 | B |
| Political Science and Government | $50,897 | - |
| Communication and Media Studies | $43,071 | - |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Health and Medical Administrative Services
Health and Medical Administrative Services is Concordia Chicago's strongest earnings program: 12 graduates, $65,314 year-one, $73,256 four-year, debt-to-earnings ratio of 0.431 (ROI grade B). Against the $18,436 net price and $28,162 median debt, the B grade is the best ROI the institution offers. Healthcare administration roles in the Chicagoland market support these earnings. The small graduate count (12) limits statistical confidence but directionally confirms the program is working for students who complete it.
Teacher Education
Teacher Education has 35 graduates with $44,618 year-one and $45,532 four-year earnings - an unusually flat trajectory suggesting salary scale positions that don't advance rapidly in the first four years. Debt-to-earnings ratio of 0.521 (ROI grade C+). Median debt of $23,250 is moderate. Illinois teacher certification provides a pathway into Chicago-area public schools, but the institutional completion rate of 36.5% means that many students who start an education track at Concordia Chicago will not finish the credential.
Kinesiology and Exercise Science
Kinesiology is the highest-volume program at Concordia Chicago with 100 graduates, but the ROI is D-grade: $29,231 year-one, $55,309 four-year, debt-to-earnings ratio of 0.895 against $26,166 median debt. Year-one earnings of $29k come with a near-1.0 debt-to-earnings ratio, which means graduates start repayment in a constrained financial position. Students considering kinesiology at this net price should carefully evaluate whether the credential opens specific career doors or serves primarily as a general degree.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 67.6% | 68.8% |
| 3-year repayment | 73.1% | 73.6% |
| 5-year repayment | 66.3% | 67.7% |
| 7-year repayment | 69.6% | 72.8% |
Completion Rate
Trends Over Time
How Concordia University-Chicago’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 92.8% |
| Enrollment | 1,323 |
| Pell Grant recipients | 45.7% |
| Avg faculty salary (monthly) | $6,759 |
Concordia Chicago admits 92.8% of applicants. Test score ranges are not reported by the Scorecard. The near-open enrollment reflects a small institution that struggles to fill seats. The low selectivity combined with a 36.5% completion rate suggests that the institution's challenge is not attracting students - it is retaining and graduating them. Prospective students should ask specifically about institutional supports for completion and the profile of students who do and do not finish.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Concordia University-Chicago (this school) | 49 | $18,436 | $54,089 |
| Augustana College | 67 | $22,736 | $62,971 |
| Bridgewater College | 49 | $17,800 | $53,453 |
| University of Northwestern-St Paul | 47 | $27,705 | $50,755 |
| William Jessup University | 45 | $28,062 | $56,257 |
| School of the Art Institute of Chicago | 21 | $49,790 | $40,151 |
Who Thrives Here
Concordia University Chicago admits 92.8% of applicants and enrolls 1,323 undergraduates in River Forest, Illinois. SAT and ACT score ranges are not reported by the Scorecard. Students drawn to the LCMS Lutheran tradition, teacher education, or kinesiology will find the campus culture relevant. The 36.5% completion rate is a disqualifying signal for most students in most circumstances - finishing the degree is the foundational prerequisite for any positive ROI.
The Verdict: Proceed With Caution
The money case for Concordia University-Chicago is mixed, and worth a hard look before you commit. At $18,436 per year after aid, the typical graduate earns $54,089 ten years after entry, which means it takes about 11.2 years to earn the cost back. For context, the median payback across the schools we score is about 12 years. Whether it's worth it comes down to your major and your aid package.
What to keep an eye on: its 36.5% graduation rate.
Median debt of $23,000 among graduates who borrowed, against average earnings of $38,700 six years after entry, gives a debt-to-earnings ratio of 0.59, under the 1.0 point at which debt would equal a full year of those earnings. Your major matters a lot here: graduates in higher-earning fields will see the better end of this.
Concordia University-Chicago: Common Questions
Is Concordia University-Chicago worth it?
In our view, the money case is mixed and worth a hard look before you commit. Concordia University-Chicago scores 49/100 on our ROI scale. At $18,436 a year after aid the typical graduate earns $54,089 ten years after entry, so it takes about 11.2 years to earn the cost back. For context, the median payback across the schools we score is about 12 years.
How much does Concordia University-Chicago cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $18,436 a year, or roughly $73,744 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Concordia University-Chicago graduates earn?
The typical graduate earns about $54,089 ten years after enrolling, roughly $12,289 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off Concordia University-Chicago?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 11.2 years for Concordia University-Chicago. The median across the schools we track is about 12 years.
How much debt do Concordia University-Chicago graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $23,000, against average earnings of $38,700 six years after entry - a debt-to-earnings ratio of 0.59. In our view that is reasonable, though your major matters: higher-earning fields will see the better end of it.
What is the graduation rate at Concordia University-Chicago?
The six-year graduation rate is 36.5%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.