Saint Mary's College of California
Moraga, California · Private Nonprofit · 86.5% acceptance rate
ROI Score: 81/100 · Strong Value
Data: 2024-25 College Scorecard release
Saint Mary's College of California is a private Catholic liberal arts university in Moraga, in the East Bay hills of the San Francisco Bay Area, enrolling 1,947 students. Its ROI score of 81 places it in the Strong Value tier - a competitive outcome for a private institution with $57,803 sticker tuition. The average net price of $30,378 produces a four-year cost estimate of $121,512. Six-year average earnings of $48,600 and median ten-year earnings of $78,812 are strong for a small liberal arts college, reflecting both the Bay Area labor market premium and the college's professional programs. The payback period of 6 years is efficient. The completion rate of 70.3% is solid. Repayment rates at year three are 84.3%. Median debt of $23,691 and a debt-to-earnings ratio of 0.487 are controlled for a Bay Area private institution. Pell Grant recipients represent 26.7% of the student body.
Saint Mary's College of California scores in the top 13% of the schools we score, with strong earnings outcomes relative to cost.
Saint Mary's College of California
Quick Numbers
| In-state tuition + fees | $57,803/yr |
| Out-of-state tuition + fees | $57,803/yr |
| Average net price | $30,378/yr |
| Total 4-year cost (net) | $121,512 |
| Median earnings (10yr post-entry) | $78,812 |
| Average earnings (6yr post-entry) | $48,600 |
| Median debt at graduation | $23,691 |
| Estimated monthly loan payment | $251 |
| Estimated payback period | 6 years |
| 6-year graduation rate | 70.3% |
| Undergraduate enrollment | 1,947 |
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: $57,803/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $30,378/year, or roughly $121,512 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 $19,462/year here, while families earning over $110,000 pay $40,581/year.
Among graduates who borrowed, the median federal loan debt from this school is $23,691, which works out to about $251 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($48,600) and comes to 0.49, which in our view is comfortably manageable.
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 | $19,462 |
| $30,001 - $48,000 | $20,127 |
| $48,001 - $75,000 | $23,303 |
| $75,001 - $110,000 | $29,049 |
| $110,001+ | $40,581 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Students with family incomes below $30,000 pay an average net price of $19,462 per year - roughly $78,000 over four years. For accounting or business students, the Bay Area placement premium makes this investable. For lower-earning majors, the math is harder to sustain at this income band.
Middle-income families ($30K-$110K)
Middle-income families ($30,001 - $75,000) face net prices of $20,127 - $23,303. At $20,000 - $23,000 per year, the payback period of 6 years and 84.3% repayment rate indicate that most Saint Mary's graduates successfully manage their financial obligations.
Higher-income families ($110K+)
Higher-income families ($75,001 and above) pay $29,049 - $40,581.
Earnings by Major
Top 9 most popular majors at Saint Mary's College of California with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Business Administration and Management | $80,262 | C+ |
| Liberal Arts and Sciences | $68,501 | C+ |
| Kinesiology and Exercise Science | $66,265 | D |
| Psychology | $70,123 | D |
| Communication and Media Studies | $64,456 | C |
| Drama/Theatre Arts and Stagecraft | $38,160 | D |
| Accounting | $107,570 | B |
| International Relations | $62,651 | C |
| English Language and Literature | $57,651 | B |
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.
Accounting
Accounting (17 graduates) is Saint Mary's highest-ROI program, earning a B grade with year-one earnings of $66,628 and four-year earnings of $107,570. Median debt of $25,000 and a ratio of 0.375 reflect favorable borrowing. Accounting graduates from the Bay Area enter one of the world's densest concentrations of audit, tax, and financial advisory employers - placement strength is real.
Business Administration and Management
Business Administration (102 graduates) earns a C+ grade with year-one earnings of $46,958 and four-year earnings of $80,262. Median debt of $24,000 and a ratio of 0.511 are acceptable. Four-year earnings growth of nearly $34,000 is impressive, suggesting Saint Mary's business graduates gain significant career traction in the Bay Area market.
Liberal Arts and Sciences
Liberal Arts (47 graduates) earns a C+ grade with year-one earnings of $56,094 and four-year earnings of $68,501. Median debt of $27,000 and a ratio of 0.481 are moderate. Notably, liberal arts year-one earnings at Saint Mary's are above institutional median - reflecting the Bay Area's demand for broadly educated graduates in tech and professional services.
International Relations
International Relations (15 graduates) earns a C grade with year-one earnings of $45,296 and four-year earnings of $62,651. Median debt of $25,967 and a ratio of 0.573 are manageable. The Bay Area's international business and NGO ecosystem provides relevant career entry points for international relations graduates.
Psychology
Psychology (28 graduates) earns a D grade with year-one earnings of $28,018 and a debt-to-earnings ratio of 0.964. Median debt of $26,998 against $28,018 in first-year earnings leaves virtually no discretionary income for loan payments. Students targeting clinical or counseling careers should model the additional cost of licensure and graduate school before committing.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 81.1% | 68.8% |
| 3-year repayment | 84.3% | 73.6% |
| 5-year repayment | 77.4% | 67.7% |
| 7-year repayment | 81.3% | 72.8% |
Completion Rate
Trends Over Time
How Saint Mary's College of California’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 | 86.5% |
| Enrollment | 1,947 |
| Pell Grant recipients | 26.7% |
| Avg faculty salary (monthly) | $11,429 |
Saint Mary's admits 86.5% of applicants and does not report standardized test score data, reflecting a broadly accessible admissions model. The ease of admission makes merit aid negotiation and financial aid packaging the more consequential factors in the enrollment decision.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
The 84.3% three-year repayment rate is a genuine competitive advantage.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Saint Mary's College of California (this school) | 81 | $30,378 | $78,812 |
| Linfield University | 84 | $26,536 | $78,638 |
| Regis University | 81 | $18,397 | $72,105 |
| Wagner College | 76 | $28,241 | $74,360 |
| Azusa Pacific University | 71 | $22,212 | $66,677 |
| Art Center College of Design | 56 | $48,661 | $71,958 |
Who Thrives Here
Saint Mary's is well suited for students who want a Catholic liberal arts education with immediate access to Bay Area employers, internship pipelines, and alumni networks. Students in accounting, business, and liberal arts with clear professional goals will find strong placement support. Those entering drama or psychology should model the specific program earnings data carefully - the Bay Area premium doesn't fully offset weak early-career wages in some majors.
The Verdict: The Investment Pays Off
For most students, Saint Mary's College of California pays off. You'd pay about $30,378 a year after aid ($121,512 over four years), and the typical graduate earns $78,812 ten years after enrollment. That puts the payback - the time it takes for the earnings bump to cover what you spent - at roughly 6 years, a solid return.
What it has going for it: a strong earnings premium over high school graduates, its 70.3% graduation rate, manageable debt relative to earnings, high loan repayment success.
Median debt of $23,691 among graduates who borrowed, against average earnings of $48,600 six years after entry, gives a debt-to-earnings ratio of 0.49, 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.
Saint Mary's College of California: Common Questions
Is Saint Mary's College of California worth it?
In our view, yes - for most students Saint Mary's College of California pays off. It scores 81/100 on our ROI scale. You'd pay about $30,378 a year after aid ($121,512 over four years), and the typical graduate earns $78,812 ten years after enrollment, so the cost takes roughly 6 years to earn back.
How much does Saint Mary's College of California 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 $30,378 a year, or roughly $121,512 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 Saint Mary's College of California graduates earn?
The typical graduate earns about $78,812 ten years after enrolling, roughly $37,012 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 Saint Mary's College of California?
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 6 years for Saint Mary's College of California. The median across the schools we track is about 12 years.
How much debt do Saint Mary's College of California graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $23,691, against average earnings of $48,600 six years after entry - a debt-to-earnings ratio of 0.49. 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 Saint Mary's College of California?
The six-year graduation rate is 70.3%, at or above the 64% national average for four-year schools (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.