Santa Clara University
Santa Clara, California · Private Nonprofit · 48.0% acceptance rate
ROI Score: 90/100 · Exceptional Value
Data: 2024-25 College Scorecard release
Santa Clara University scores 90 (Exceptional Value) on the CampusROI scale. The institution is a Jesuit university in Santa Clara, California - at the heart of Silicon Valley - with 6,552 enrolled students. Despite a sticker tuition of $61,293 and a net price of $50,062, SCU's outcomes justify the cost: a 4.6-year payback period, 87.9% completion rate, 90.2% repayment rate, and a debt-to-earnings ratio of 0.300. Ten-year median earnings of $109,183 reflect the career trajectories of SCU graduates embedded in the Bay Area technology and finance sectors. The program array is dominated by A-grade outcomes: Computer Engineering (83 grads, $103,804 year-one, $163,765 four-year, A), Management Information Systems (42 grads, $93,042 year-one, $153,926 four-year, A), Mathematics and Computer Science (103 grads, $91,851 year-one, $147,013 four-year, A), Finance (164 grads, $79,929 year-one, $118,737 four-year, A), and Accounting (84 grads, $78,417 year-one, $130,087 four-year, A). Even Marketing (99 grads, $58,493 year-one, $104,723 four-year) and Communication (140 grads, $84,206 four-year) achieve B+ and B grades respectively. SCU's location advantage - within recruiting distance of every major Bay Area technology employer - is the primary driver of these outcomes.
The median graduate earns $109,183 ten years after entry - well above the roughly $53,600 median across the schools we score.
Santa Clara University
Quick Numbers
| In-state tuition + fees | $61,293/yr |
| Out-of-state tuition + fees | $61,293/yr |
| Average net price | $50,062/yr |
| Total 4-year cost (net) | $200,248 |
| Median earnings (10yr post-entry) | $109,183 |
| Average earnings (6yr post-entry) | $63,900 |
| Median debt at graduation | $19,162 |
| Estimated monthly loan payment | $203 |
| Estimated payback period | 4.6 years |
| 6-year graduation rate | 87.9% |
| Undergraduate enrollment | 6,552 |
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: $61,293/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $50,062/year, or roughly $200,248 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 $22,985/year here, while families earning over $110,000 pay $60,678/year.
Among graduates who borrowed, the median federal loan debt from this school is $19,162, which works out to about $203 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($63,900) and comes to 0.30, 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 | $22,985 |
| $30,001 - $48,000 | $19,154 |
| $48,001 - $75,000 | $26,531 |
| $75,001 - $110,000 | $37,219 |
| $110,001+ | $60,678 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Students in the 0-30000 income bracket pay $22,985 net price per year at SCU - approximately $91,940 over four years. The 30001-48000 bracket pays $19,154 - actually the lowest price in the table, suggesting this income band captures the maximum need-and-merit aid combination. The 11.3% Pell rate indicates fewer students qualify for these prices, but those who do access an exceptional value.
Middle-income families ($30K-$110K)
The 48001-75000 bracket pays $26,531 per year; the 75001-110000 bracket pays $37,219. Aid falls sharply through the middle-income range. The four-year cost at $37,219 per year is approximately $149,000 - still defensible for engineering and finance graduates but worth scrutinizing for students in lower-earning programs.
Higher-income families ($110K+)
The 110001-plus bracket pays $60,678 per year - essentially close to full sticker price at approximately $242,712 over four years. At this price, only the highest-earning programs (Computer Engineering, MIS, Math/CS, Finance) produce clear positive ROI within a reasonable timeframe.
Earnings by Major
Top 10 most popular majors at Santa Clara University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Finance and Financial Management | $118,737 | A |
| Communication and Media Studies | $84,206 | B |
| Psychology | $75,742 | C+ |
| Mathematics and Computer Science | $147,013 | A |
| Marketing | $104,723 | B+ |
| International Relations | $93,518 | B |
| Accounting | $130,087 | A |
| Computer Engineering | $163,765 | A |
| Economics | $121,307 | B+ |
| Biology | $36,270 | C |
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.
Computer Engineering
Computer Engineering is SCU's highest-earning program: 83 graduates, $103,804 year-one, $163,765 four-year, debt-to-earnings ratio of 0.238 (ROI grade A). Median debt of $24,666 against $103k year-one earnings produces an immediate positive cash flow after graduation. The four-year trajectory to $163,765 reflects the Silicon Valley senior engineer and staff engineer salary curve.
Finance and Financial Management
Finance is the largest high-ROI program: 164 graduates, $79,929 year-one, $118,737 four-year, debt-to-earnings ratio of 0.203 (ROI grade A). Median debt of $16,201 - the lowest among graded programs - combined with $80k year-one earnings means Finance graduates reach debt-free status quickly. SCU's proximity to Sand Hill Road, the San Francisco financial district, and Bay Area corporate finance operations gives Finance graduates a rare combination of technology finance and traditional finance career paths.
Psychology
Psychology has 115 graduates with $38,587 year-one and $75,742 four-year, debt-to-earnings ratio of 0.458 (ROI grade C+). At SCU's net price of $50,062, the C+ grade reflects the gap between year-one earnings and cost. Students pursuing psychology should have a specific graduate or career pathway in mind before committing at SCU's price.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 88.8% | 68.8% |
| 3-year repayment | 90.2% | 73.6% |
| 5-year repayment | 87.3% | 67.7% |
| 7-year repayment | 90.5% | 72.8% |
Completion Rate
Trends Over Time
How Santa Clara University’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 | 48.0% |
| SAT Math (25th-75th) | 680-760 |
| SAT Reading (25th-75th) | 670-730 |
| ACT Composite (25th-75th) | 31-33 |
| Enrollment | 6,552 |
| Pell Grant recipients | 11.3% |
| Avg faculty salary (monthly) | $14,682 |
At 48.0%, SCU is moderately selective in the context of California's competitive admissions landscape. SAT 25th percentile of 680 Math / 670 Reading and ACT 31st percentile indicate a high baseline preparation floor. The engineering and business programs likely attract the strongest quantitative applicants. Merit scholarships are available but limited given the low Pell rate, suggesting most aid is need-based. Students with SAT Math below 650 or ACT below 30 would be below the 25th percentile and should assess their application competitiveness carefully.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Santa Clara University (this school) | 90 | $50,062 | $109,183 |
| Stevens Institute of Technology | 92 | $41,346 | $108,772 |
| George Washington University | 88 | $36,586 | $90,873 |
| University of Rochester | 85 | $29,278 | $79,042 |
| Azusa Pacific University | 71 | $22,212 | $66,677 |
| Art Center College of Design | 56 | $48,661 | $71,958 |
Who Thrives Here
Santa Clara University admits 48.0% of applicants and enrolls 6,552 students in Santa Clara, California. SAT Math ranges 680-760, SAT Reading 670-730, and ACT Composite 31-33. The Pell grant rate of 11.3% indicates a predominantly higher-income student body. SCU draws from the Catholic high school pipeline in California and nationally. The Jesuit identity shapes the curriculum (core requirements in theology, ethics, and philosophy) and the campus culture. Students who thrive at SCU typically combine academic ambition in STEM or business with the Jesuit commitment to ethics and civic engagement.
The Verdict: The Investment Pays Off
If you're asking whether Santa Clara University is worth it, the short answer is yes - it's one of the strongest money decisions in higher education. Four years here run about $200,248 after aid, and the typical graduate earns $109,183 ten years out. That earnings head start covers the cost in roughly 4.6 years, well ahead of most schools.
What it has going for it: a strong earnings premium over high school graduates, its 87.9% graduation rate, manageable debt relative to earnings, high loan repayment success.
Median debt of $19,162 among graduates who borrowed, against average earnings of $63,900 six years after entry, gives a debt-to-earnings ratio of 0.30, 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.
Santa Clara University: Common Questions
Is Santa Clara University worth it?
In our view, yes - for most students Santa Clara University pays off. It scores 90/100 on our ROI scale. You'd pay about $50,062 a year after aid ($200,248 over four years), and the typical graduate earns $109,183 ten years after enrollment, so the cost takes roughly 4.6 years to earn back.
How much does Santa Clara University 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 $50,062 a year, or roughly $200,248 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 Santa Clara University graduates earn?
The typical graduate earns about $109,183 ten years after enrolling, roughly $67,383 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 Santa Clara University?
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 4.6 years for Santa Clara University. The median across the schools we track is about 12 years.
How much debt do Santa Clara University graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $19,162, against average earnings of $63,900 six years after entry - a debt-to-earnings ratio of 0.30. 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 Santa Clara University?
The six-year graduation rate is 87.9%, 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.