Westminster College
New Wilmington, Pennsylvania · Private Nonprofit · 92.6% acceptance rate
ROI Score: 52/100 · Below Average Value
Data: 2024-25 College Scorecard release
Westminster College earns a CampusROI score of 52 (Below Average Value tier). Sticker tuition runs $40,290 against a net price of $19,859 - a substantial 50% discount that reflects the school's aggressive aid stacking. The standout subscore is the 87.1% three-year repayment rate (subscore 90), meaning borrowers are largely current and paying down principal - a strong signal of post-graduation financial stability. Completion rate of 64.6% is decent (subscore 68). The drag on the overall score is debt-to-earnings: $26,060 in median debt against $36,000 in early earnings produces a 0.724 ratio (subscore 24) and a 11.6-year payback. Westminster enrolls 1,041 students with a 26.8% Pell rate, which likely supports the strong repayment performance.
Westminster College
Quick Numbers
| In-state tuition + fees | $40,290/yr |
| Out-of-state tuition + fees | $40,290/yr |
| Average net price | $19,859/yr |
| Total 4-year cost (net) | $79,436 |
| Median earnings (10yr post-entry) | $53,861 |
| Average earnings (6yr post-entry) | $36,000 |
| Median debt at graduation | $26,060 |
| Estimated monthly loan payment | $276 |
| Estimated payback period | 11.6 years |
| 6-year graduation rate | 64.5% |
| Undergraduate enrollment | 1,041 |
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: $40,290/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $19,859/year, or roughly $79,436 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 $15,226/year here, while families earning over $110,000 pay $23,964/year.
Among graduates who borrowed, the median federal loan debt from this school is $26,060, which works out to about $276 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($36,000) and comes to 0.72, 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 | $15,226 |
| $30,001 - $48,000 | $15,101 |
| $48,001 - $75,000 | $17,687 |
| $75,001 - $110,000 | $19,595 |
| $110,001+ | $23,964 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning $0-30,000 pay $15,226 per year, totaling about $60,900 over four years. With $36,000 in early-career earnings and a 64.6% completion rate, low-income students who finish at Westminster see a workable ROI - the aid discount cushions the cost meaningfully.
Middle-income families ($30K-$110K)
Middle-income families ($48,001-75,000) pay $17,687 annually - roughly $70,748 over four years. The aid discount narrows as income climbs but remains substantial. With $53,861 in ten-year median earnings, middle-bracket students see a defensible four-year ROI especially in accounting, business, or education tracks where program-level earnings clear $42K-$52K year one.
Higher-income families ($110K+)
Families above $110,000 pay $23,964 per year - about $95,856 over four years. For high-income full-pay families, Westminster's small-college experience and 87% repayment rate signal a stable outcome environment.
Earnings by Major
Top 6 most popular majors at Westminster College with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Business Administration, Management, and Operations | $62,412 | C |
| Biology | $64,772 | D |
| Education, Other | $46,735 | C |
| Sociology | $47,502 | - |
| Accounting | $76,955 | C+ |
| Psychology | $52,339 | 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.
Accounting
Accounting is Westminster's standout program with year-one earnings of $52,721 and four-year earnings of $76,955. Median debt of $26,638 produces a 0.505 debt-to-earnings ratio and a C+ ROI grade. With 10 graduates per year, the program is small but feeds directly into Pittsburgh and Cleveland-area public accounting firms and corporate finance roles. The trajectory from $52K year one to $77K year four is one of the strongest in Westminster's data.
Business Administration, Management, and Operations
Business is Westminster's largest program by graduates (26 per year) with year-one earnings of $42,184 climbing to $62,412 at year four. Median debt of $26,000 yields a 0.616 debt-to-earnings ratio and a C ROI grade. Graduates feed into regional banking, manufacturing management, and supply-chain roles.
Psychology
Psychology produces 9 graduates per year with four-year median earnings of $52,339 and median debt of $26,000, yielding a 0.497 debt-to-earnings ratio and a C+ ROI grade. Year-one earnings aren't reported, but the strong four-year figure indicates most psychology majors here pursue graduate school or licensed-counselor paths and reach mid-career wages on schedule.
Education, Other
Education graduates 15 students per year with year-one earnings of $42,047 and four-year earnings of $46,735 - showing the modest wage growth typical of teaching careers. Median debt of $27,000 produces a 0.642 debt-to-earnings ratio and C ROI grade. The relatively flat earnings trajectory means the debt feels heavy throughout the early career, but Pennsylvania public-school pension benefits offset the wage compression long-term.
Biology
Biology graduates 16 students per year, with year-one earnings of just $27,467 - but four-year earnings jumping to $64,772. The pattern signals the typical biology-major story: low immediate wages while students complete medical/dental/PA school or research training, then a major jump when they reach professional roles. The 0.983 debt-to-earnings ratio and D ROI grade reflect only the early-career snapshot.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 85.3% | 68.8% |
| 3-year repayment | 87.1% | 73.6% |
| 5-year repayment | 85.4% | 67.7% |
| 7-year repayment | 87.3% | 72.8% |
Completion Rate
Trends Over Time
How Westminster College’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 | 92.6% |
| Enrollment | 1,041 |
| Pell Grant recipients | 26.8% |
| Avg faculty salary (monthly) | $7,574 |
Westminster admits 92.6% of applicants, putting it squarely in open-access territory for most academically prepared students. SAT and ACT mid-range data are not reported in current Scorecard data, reflecting the school's test-optional stance. Despite the high admit rate, completion sits at a healthy 64.6%, meaning the school does a better job of retaining and graduating students than the admit rate alone would suggest. Westminster's selectivity isn't the differentiator - its retention and post-graduation outcomes are.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
Westminster's repayment rate is 87.1%, indicating that whatever wage outcomes its graduates achieve, they're servicing debt reliably.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Westminster College (this school) | 52 | $19,859 | $53,861 |
| Albright College | 56 | $20,024 | $58,700 |
| Bryan College-Dayton | 54 | $20,614 | $54,434 |
| Heritage University | 51 | $14,598 | $49,416 |
| Rockford University | 47 | $22,436 | $54,794 |
| Bryn Athyn College of the New Church | 34 | $20,586 | $40,457 |
Who Thrives Here
Westminster fits students seeking a small Presbyterian-affiliated liberal-arts experience in western Pennsylvania at roughly 1,041 students. Strong-fit candidates are students committed to a defined major track (accounting, business, education) and willing to engage a small-college residential community. The 11.6-year payback and $53,861 median earnings at ten years make Westminster financially defensible for full-pay families, but the math gets tighter for students relying heavily on loans.
The Verdict: Proceed With Caution
The money case for Westminster College is mixed, and worth a hard look before you commit. At $19,859 per year after aid, the typical graduate earns $53,861 ten years after entry, which means it takes about 11.6 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: a debt-to-earnings ratio of 0.72 (median across the schools we score: 0.61).
Median debt of $26,060 among graduates who borrowed, against average earnings of $36,000 six years after entry, gives a debt-to-earnings ratio of 0.72. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. Your major - and how much you borrow - really matters.
Westminster College: Common Questions
Is Westminster College worth it?
In our view, the money case is mixed and worth a hard look before you commit. Westminster College scores 52/100 on our ROI scale. At $19,859 a year after aid the typical graduate earns $53,861 ten years after entry, so it takes about 11.6 years to earn the cost back. For context, the median payback across the schools we score is about 12 years.
How much does Westminster College 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 $19,859 a year, or roughly $79,436 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 Westminster College graduates earn?
The typical graduate earns about $53,861 ten years after enrolling, roughly $12,061 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 Westminster College?
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 11.6 years for Westminster College. The median across the schools we track is about 12 years.
How much debt do Westminster College graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $26,060, against average earnings of $36,000 six years after entry - a debt-to-earnings ratio of 0.72. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. How much you borrow really matters.
What is the graduation rate at Westminster College?
The six-year graduation rate is 64.5%, 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.