-100%
3-year cohort default rate
3-year cohort default rate at University of the Ozarks fell 100% between 2021 and 2024 (3.8% → 0.0%).
Arkansas · Private nonprofit · Predominantly bachelor's
University of the Ozarks
Clarksville, Arkansas. 753 undergraduate students. 28 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at University of the Ozarks
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
+12%
First-year retention
First-year retention at University of the Ozarks rose 12% between 2021 and 2024 (61.1% → 68.6%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Arkansas
Each tile compares this institution to the Arkansas median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$44,384+18% · 6→10y
Arkansas median $34,871$37,651
Treasury earnings · 6y post-entry51.8%+78% · '97→'24
Arkansas median 47.1%$11,000+333% · '97→'20
At program completion753+34% · '96→'24
latest IPEDS72.9%+27% · '04→'24
first-time, full-time58.1%-27% · '01→'24
latest cohort$25,950+185% · '00→'24
out-of-state $25,950SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
3.3%Median federal debt $11,000 amortized over 10 years vs. median earnings $44,384 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+78%
University of the Ozarks · completion · 150% rose
28.9% → 51.5%
+314%
University of the Ozarks · completion · 100% rose
10.1% → 41.9%
+27%
University of the Ozarks · retention rose
54.0% → 68.6%
+34%
University of the Ozarks · undergrad enrollment rose
573 → 767
+185%
University of the Ozarks · in-state tuition rose
$9,105 → $25,950
+185%
University of the Ozarks · out-of-state tuition rose
$9,105 → $25,950
+333%
University of the Ozarks · median debt rose
$4,819 → $20,875
-100%
University of the Ozarks · cohort default rate fell
17.1% → 0.0%
+31%
University of the Ozarks · earnings_median_10yr rose
$34,000 → $44,384
+44%
University of the Ozarks · earnings_median_8yr rose
$28,300 → $40,760
+45%
University of the Ozarks · earnings_median_6yr rose
$26,000 → $37,651
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Arkansas
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“University of the Ozarks graduates earn $X” — not “University of the Ozarks makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending University of the Ozarks caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.