Virginia Union University
Richmond, Virginia · Private Nonprofit · 98.0% acceptance rate
ROI Score: 9/100 · Poor Value
Data: 2024-25 College Scorecard release
Virginia Union University, an HBCU in Richmond, posts an overall ROI score of 9 - deep in the Poor Value tier. The fundamental challenge: median earnings six years after entry are just $23,800 (rising to $38,275 by year ten) against $29,000 in median federal debt, producing a 1.218 debt-to-earnings ratio. The 34.2% completion rate is roughly twice Shaw's but still leaves nearly two-thirds of starters without a credential. The 58.9-year payback period reflects that most graduates' earnings premium over the high-school baseline is too thin to amortize the full cost of attendance under standard timelines. Net price runs $13,235 against a $17,450 sticker, with four-year out-of-pocket near $52,940 - which is comparatively modest for a private. The 37.8% three-year repayment rate is among the lower signals on our dashboard. VUU's mission as a historically Black institution founded after the Civil War carries qualitative weight that the ROI math does not capture, but families weighing real numbers should understand that completion, debt service, and earnings outcomes here all warrant honest scrutiny.
The data raises concerns about Virginia Union University
These metrics fall below the thresholds most financial advisors recommend for a sound college investment. Review them carefully before committing.
- ROI Score9/100 - Poor Value tier (below 45). Most 4-year schools we track score 60 or higher.
- Debt-to-earnings1.22 - Advisors recommend total student debt stay below one year of salary (ratio under 1.0).
- 6-year graduation rate34.2% - Well below the 64% national average (NCES, 2022). Non-completion is the fastest route to negative ROI.
- Payback period>50 years - Graduates earn at or near the level of high school completers - the cost may not recoup within a working career.
Virginia Union University
Quick Numbers
| In-state tuition + fees | $17,450/yr |
| Out-of-state tuition + fees | $17,450/yr |
| Average net price | $13,235/yr |
| Total 4-year cost (net) | $52,940 |
| Median earnings (10yr post-entry) | $38,275 |
| Median earnings (6yr post-entry) | $23,800 |
| Median debt at graduation | $29,000 |
| Estimated monthly loan payment | $307 |
| Estimated payback period | >50 years |
| 6-year graduation rate | 34.2% |
| Undergraduate enrollment | 1,203 |
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: $17,450/year. Here's the part that matters - almost nobody pays that. After grants, scholarships, and aid, the average student here pays a net price of $13,235/year, or roughly $52,940 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 $11,424/year here, while families earning over $110,000 pay $18,301/year.
Most students borrow to get here. The median graduate leaves owing $29,000 in federal loans, which works out to about $307 a month on the standard 10-year repayment plan. Hold that up against the $38,275 the typical graduate earns ten years out: the debt-to-earnings ratio comes to 1.22, which is high - the rule of thumb is that total debt should not top your first-year salary, and this is over that line.
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 | $11,424 |
| $30,001 - $48,000 | $12,372 |
| $48,001 - $75,000 | $14,420 |
| $75,001 - $110,000 | $21,362 |
| $110,001+ | $18,301 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning $0-30,000 pay $11,424 net - the lowest in the bracket structure, signaling institutional aid does flex meaningfully for Pell-eligible students. At this income level, however, that figure is still about 38% of household income, and combined with a 34.2% completion rate, the risk-adjusted math is sobering.
Middle-income families ($30K-$110K)
$30,001-48,000 pays $12,372 and $48,001-75,000 pays $14,420. The $75,001-110,000 band jumps to $21,362 - a sharp $7,000 step-up that the data does not fully explain and that exceeds the $110,001-plus bracket's $18,301 (an inverted bracket - middle-upper income pays more than upper income). Middle-income families should run the school's own net price calculator because the bracketed averages are unstable at VUU's small enrollment scale.
Higher-income families ($110K+)
Families above $110,000 pay $18,301, less than the $75,001-110,000 bracket - an inversion likely reflecting merit-aid stacking for academically stronger students. At VUU's earnings outcomes, full-pay attendance from a high-income household yields very weak ROI on a financial basis; the case is mission, network, and family legacy rather than payback math.
Earnings by Major
Top 8 most popular majors at Virginia Union University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Biology | $40,032 | F |
| Political Science and Government | $49,024 | F |
| Business Administration, Management, and Operations | $39,251 | F |
| Psychology | $50,826 | F |
| Communication and Media Studies | $42,376 | F |
| Social Work | $38,872 | - |
| General Sales, Merchandising and Related Marketing Operations | $64,924 | C+ |
| Computer and Information Sciences | $45,214 | 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.
General Sales, Merchandising and Related Marketing Operations
Sales/Merchandising is the highest-graded program at VUU: $64,924 four-year median earnings (1-year is suppressed) against $35,000 in median debt produces a 0.539 ratio and a C+ grade. With only 7 graduates, the sample is small and the figure should be read with caution, but it suggests at least one program where the math meaningfully works.
Business Administration, Management, and Operations
Business graduates 12 students with $19,354 first-year earnings and $39,251 by year four - the year-one number is alarmingly low. Median debt of $29,000 produces a 1.498 ratio and an F grade. Students entering this program need to pay close attention to internship pipelines and Richmond-area placement networks; the entry-level earnings signal here is one of the weakest in the portfolio.
Psychology
Psychology produces 11 graduates with $21,626 first-year earnings climbing to $50,826 by year four - the strong four-year recovery suggests many graduates pursue MA or MSW programs that drive earnings. With $27,000 in debt, the 1.248 ratio at year one carries an F grade, but graduates committed to graduate study may end up in a different financial position than the snapshot suggests.
Communication and Media Studies
Communications graduates 10 students with $18,076 first-year earnings (one of the lowest in our dataset) and $42,376 four-year. $31,000 in median debt produces the worst ratio in the portfolio at 1.715 (F grade). The four-year recovery suggests delayed career launch is common; students entering this program should plan explicitly for an internship-heavy path and graduate study or risk extended financial hardship.
Biology
Biology graduates 12 students at $32,986 first-year and $40,032 four-year. $33,700 in median debt produces a 1.022 ratio (F grade). Biology is typically a pre-professional credential - students aiming at health careers, lab tech roles, or graduate study should treat this as a stepping stone with secondary credentialing required to drive real earnings.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Nat'l Avg |
|---|---|---|
| 1-year repayment | 23.8% | 52.0% |
| 3-year repayment | 37.8% | 62.0% |
| 5-year repayment | 26.1% | 68.0% |
| 7-year repayment | 32.6% | 72.0% |
Completion Rate
Trends Over Time
How Virginia Union 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 | 98.0% |
| SAT Math (25th-75th) | 400-410 |
| SAT Reading (25th-75th) | 450-475 |
| Enrollment | 1,203 |
| Pell Grant recipients | 68.7% |
| Avg faculty salary (monthly) | $5,874 |
VUU admits 98.0% of applicants - effectively open admission. SAT mid-ranges (Math 400-410, Reading 450-475) are at the lower end of the four-year college distribution and signal that academic preparation is highly variable in entering cohorts. The combination of near-universal admission and a 34.2% completion rate locates VUU's binding constraint squarely in persistence and academic support, not selectivity.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
VUU's peer set is small private and HBCU. Miles College in Alabama and Philander Smith University in Arkansas are sister HBCUs with similar completion and earnings profiles - VUU sits comparably on most metrics. Averett University and Bluefield University are non-HBCU Virginia/West Virginia privates with stronger completion (often 40-50%) but similar earnings outcomes. Maharishi International University in Iowa is an outlier on this list - a niche contemplative-curriculum school. Within this peer set, VUU's earnings outcomes are below average and its repayment rate is one of the weakest.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Virginia Union University (this school) | 9 | $13,235 | $38,275 |
| Lincoln University | 10 | $19,092 | $39,463 |
| Bethune-Cookman University | 9 | $12,030 | $38,518 |
| Fort Valley State University | 9 | $10,338 | $36,666 |
| Kentucky State University | 9 | $8,040 | $36,382 |
| South Carolina State University | 9 | $18,097 | $38,262 |
Who Thrives Here
Enrollment is 1,203 with a 68.7% Pell grant rate - VUU serves a heavily low-income, predominantly Black student population. The school fits students who want an HBCU experience in a meaningful urban setting (Richmond's Black history is a real curricular asset), who value the religious and historical mission, and who are prepared to use the institution's academic supports aggressively to push through to completion. Students for whom finishing in four years matters financially should evaluate persistence resources carefully.
The Verdict: The Numbers Don't Add Up
We'll be straight with you: the numbers at Virginia Union University are a real concern. With a net cost of $13,235 per year and the typical graduate earning only $38,275 ten years out, the estimated payback period exceeds >50 years. For most students, the financial return does not justify the cost - go in with your eyes open.
What to keep an eye on: weak earnings relative to cost, its 34.2% graduation rate, high debt relative to what graduates earn, concerning loan repayment rates, a long payback period.
Be careful with the debt here. A median $29,000 owed against $38,275 in earnings is heavy, and the debt-to-earnings ratio of 0.76 is past the level advisors flag. Your major - and how much you borrow - really matters.
Virginia Union University: Common Questions
Is Virginia Union University worth it?
In our view, the numbers are a real concern - for most students the financial return does not justify the cost. Virginia Union University scores 9/100 on our ROI scale. At $13,235 a year after aid against $38,275 in typical earnings ten years out, the estimated payback period exceeds >50 years.
How much does Virginia Union University cost after financial aid?
The average net price - what students actually pay after grants and scholarships - is about $13,235 a year, or roughly $52,940 over four years. That is the number to plan around, not the sticker price. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Virginia Union University graduates earn?
The typical graduate earns about $38,275 ten years after enrolling, near the $41,800 median for high-school graduates (NCES, 2022). With little earnings gap to cover the cost, the financial return is hard to make.
How long does it take to pay off Virginia Union 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 >50 years for Virginia Union University. Most four-year schools we track land between 4 and 10 years.
How much debt do Virginia Union University graduates take on?
Median debt at graduation is about $29,000, against $38,275 in typical earnings a decade out. At a debt-to-earnings ratio of 0.76, that is past the level advisors flag, so how much you borrow really matters.
What is the graduation rate at Virginia Union University?
The six-year graduation rate is 34.2%, below the 64% national average (NCES, 2022) - and not finishing is the fastest route to a poor return. 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.