The Master's University and Seminary
Santa Clarita, California · Private Nonprofit · 84.0% acceptance rate
ROI Score: 54/100 · Below Average Value
Data: 2024-25 College Scorecard release
The Master's University and Seminary scores 54 (Below Average Value), driven primarily by a 12.2-year payback period and a debt-to-earnings ratio of 0.531. The completion rate is 67.7% and the repayment rate is 82.7%, suggesting graduates who complete do manage their debt reasonably well. The school is a conservative Christian institution in Santa Clarita, California, and its program mix - heavy on theological studies, business, and communications - reflects that mission.
The Master's University and Seminary
Quick Numbers
| In-state tuition + fees | $39,020/yr |
| Out-of-state tuition + fees | $39,020/yr |
| Average net price | $32,647/yr |
| Total 4-year cost (net) | $130,588 |
| Median earnings (10yr post-entry) | $57,106 |
| Average earnings (6yr post-entry) | $38,600 |
| Median debt at graduation | $20,500 |
| Estimated monthly loan payment | $217 |
| Estimated payback period | 12.2 years |
| 6-year graduation rate | 67.7% |
| Undergraduate enrollment | 1,622 |
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: $39,020/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $32,647/year, or roughly $130,588 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 $24,624/year here, while families earning over $110,000 pay $36,535/year.
Among graduates who borrowed, the median federal loan debt from this school is $20,500, which works out to about $217 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($38,600) and comes to 0.53, 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 | $24,624 |
| $30,001 - $48,000 | $25,104 |
| $48,001 - $75,000 | $27,712 |
| $75,001 - $110,000 | $31,542 |
| $110,001+ | $36,535 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
The lowest income bracket (0-$30,000) pays $24,624 per year at The Master's - a high burden for families with limited resources. With average 6-year earnings of $38,600 and a payback period of 12.2 years, low-income students who complete a degree face years of constrained cash flow. The school's Pell rate of 21.2% suggests relatively few low-income students attend; those who do should evaluate the cost-benefit carefully.
Middle-income families ($30K-$110K)
Middle-income families in the $48,001-75,000 range pay $27,712 per year, and the $75,001-110,000 bracket pays $31,542. Net costs rise steadily with income, offering little advantage for middle-income families compared to lower brackets. A 4-year cost of $110,000-$126,000 at average earnings of $38,600 is a slow payback regardless of the program pursued.
Higher-income families ($110K+)
Families earning $110,000+ pay $36,535 - close to sticker. At a 12.2-year payback period, the financial case for full-pay attendance at The Master's depends almost entirely on selecting business or a vocational program rather than ministry or liberal arts. Students from high-income families who choose this school are primarily choosing the faith community, not the earnings outcome.
Earnings by Major
Top 5 most popular majors at The Master's University and Seminary with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Business Administration, Management, and Operations | $66,165 | B |
| Theological and Ministerial Studies | $47,403 | C+ |
| Liberal Arts and Sciences | $47,263 | D |
| Communication and Media Studies | $57,507 | D |
| Music | $31,340 | D |
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.
Business Administration, Management, and Operations
Business Administration is the school's highest-volume program at 79 graduates and its best financial performer: $54,397 year-one, $66,165 at year four, with a debt-to-earnings ratio of 0.384 (ROI grade B). Median debt of $20,889 against $54k year-one earnings is workable but not easy given the $32,647 net price. Business graduates from The Master's enter the Southern California regional market in corporate and nonprofit roles; the four-year trajectory to $66k reflects steady but unspectacular career progression.
Theological and Ministerial Studies
Theological and Ministerial Studies graduates 48 students with $43,677 year-one earnings and $47,403 at year four - a narrow 4-year gain. The debt-to-earnings ratio of 0.544 (ROI grade C+) reflects median debt of $23,774 against earnings that plateau quickly. Ministry careers typically offer non-monetary compensation (community, mission) not captured in Scorecard data, but from a purely financial standpoint, the debt load relative to earnings trajectory is challenging.
Communication and Media Studies
Communication and Media Studies graduates 20 students with $29,015 year-one earnings. The debt-to-earnings ratio of 0.767 (ROI grade D) is concerning: median debt of $22,250 against year-one earnings of $29,015 means monthly debt payments consume a significant share of income from day one. Year-four earnings of $57,507 suggest eventual improvement, but the early years will be financially constrained for most graduates.
Liberal Arts and Sciences
Liberal Arts and Sciences graduates 24 students with only $18,621 year-one earnings - the weakest performance in the catalog. The debt-to-earnings ratio of 0.792 (ROI grade D) against year-one earnings in the high-teens is a poor result. Year-four earnings of $47,263 suggest that many students in this designation go on to graduate school or switch careers, but the near-term financial picture is difficult. Median debt of $14,750 is the silver lining in an otherwise weak program-level outcome.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 79.6% | 68.8% |
| 3-year repayment | 82.7% | 73.6% |
| 5-year repayment | 82.4% | 67.7% |
| 7-year repayment | 86.4% | 72.8% |
Completion Rate
Trends Over Time
How The Master's University and Seminary’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 | 84.0% |
| Enrollment | 1,622 |
| Pell Grant recipients | 21.2% |
| Avg faculty salary (monthly) | $8,083 |
At 84% acceptance with no published test score ranges, The Master's functions as open access for applicants who fit its cultural and doctrinal profile. Admission is less about academic credentials and more about mission alignment.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| The Master's University and Seminary (this school) | 54 | $32,647 | $57,106 |
| Azusa Pacific University | 71 | $22,212 | $66,677 |
| Art Center College of Design | 56 | $48,661 | $71,958 |
| Southern Nazarene University | 55 | $22,084 | $54,951 |
| Roanoke College | 53 | $24,503 | $58,047 |
| Saint Norbert College | 53 | $26,172 | $58,363 |
Who Thrives Here
The Master's admits 84% of applicants with no reported standardized test scores, functioning as a moderately open-access institution for students aligned with its Reformed evangelical mission. Enrollment of 1,622 and a Pell rate of 21.2% indicate a largely non-need-based population. This school fits students for whom faith integration, biblical worldhood, and a tightly defined Christian community are the primary criteria. Students prioritizing job market outcomes should scrutinize the program mix carefully: most programs produce modest earnings that do not justify the $32,647 annual net price.
The Verdict: Proceed With Caution
The money case for The Master's University and Seminary is mixed, and worth a hard look before you commit. At $32,647 per year after aid, the typical graduate earns $57,106 ten years after entry, which means it takes about 12.2 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 it has going for it: high loan repayment success. What to keep an eye on: weak earnings relative to cost.
Median debt of $20,500 among graduates who borrowed, against average earnings of $38,600 six years after entry, gives a debt-to-earnings ratio of 0.53, 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.
The Master's University and Seminary: Common Questions
Is The Master's University and Seminary worth it?
In our view, the money case is mixed and worth a hard look before you commit. The Master's University and Seminary scores 54/100 on our ROI scale. At $32,647 a year after aid the typical graduate earns $57,106 ten years after entry, so it takes about 12.2 years to earn the cost back. For context, the median payback across the schools we score is about 12 years.
How much does The Master's University and Seminary 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 $32,647 a year, or roughly $130,588 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 The Master's University and Seminary graduates earn?
The typical graduate earns about $57,106 ten years after enrolling, roughly $15,306 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 The Master's University and Seminary?
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 12.2 years for The Master's University and Seminary. The median across the schools we track is about 12 years.
How much debt do The Master's University and Seminary graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $20,500, against average earnings of $38,600 six years after entry - a debt-to-earnings ratio of 0.53. 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 The Master's University and Seminary?
The six-year graduation rate is 67.7%, 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.
NewsletterCollege decisions are better with data.
From CampusROI, when there is something worth acting on.
Rankings & Links
Guides & Tools
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.