-100%
3-year cohort default rate
3-year cohort default rate at University of Saint Joseph fell 100% between 2021 and 2024 (0.7% → 0.0%).
Connecticut · Private nonprofit · Predominantly bachelor's
University of Saint Joseph
West Hartford, Connecticut. 825 undergraduate students. 79 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at University of Saint Joseph
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.
+13%
150%-time completion
150%-time completion at University of Saint Joseph rose 13% between 2021 and 2024 (56.4% → 63.8%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Connecticut
Each tile compares this institution to the Connecticut median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$59,908+15% · 6→10y
Connecticut median $57,515$52,053
Treasury earnings · 6y post-entry69.7%+2% · '97→'24
Connecticut median 70.2%$24,000+173% · '97→'20
At program completion825-15% · '96→'24
latest IPEDS85.7%+9% · '04→'24
first-time, full-time79.6%-6% · '02→'24
latest cohort$45,908+165% · '01→'24
out-of-state $45,908SECTION 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
5.3%Median federal debt $24,000 amortized over 10 years vs. median earnings $59,908 (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.
+165%
University of Saint Joseph · in-state tuition rose
$17,860 → $47,278
+165%
University of Saint Joseph · out-of-state tuition rose
$17,860 → $47,278
+173%
University of Saint Joseph · median debt rose
$9,900 → $27,000
-100%
University of Saint Joseph · cohort default rate fell
5.9% → 0.0%
+32%
University of Saint Joseph · earnings_median_8yr rose
$46,000 → $60,622
+20%
University of Saint Joseph · earnings_median_6yr rose
$43,200 → $52,053
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
Pharmacy, Pharmaceutical Sciences, and Administration.$141,168Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$118,211Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$91,862Business Administration, Management and Operations.$73,865Clinical, Counseling and Applied Psychology.$72,789Education, General.$71,433Student Counseling and Personnel Services.$65,924Social Work.$64,650Special Education and Teaching.$63,800Dietetics and Clinical Nutrition Services.$62,093Social Work.$60,647Psychology, General.$56,721
SECTION 06 · BY CIP FAMILY
12 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
EDUCATION · CIP 13
PUBLIC ADMINISTRATION & SOCIAL SERVICES · CIP 44
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at University of Saint Joseph
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
NET PRESENT VALUE
$813,282
Over 40 years, discounted 5.0%
BREAKEVEN
Year 8
First year cumulative discounted earnings cross zero
- Cost per year
- $27,448
- HS-only baseline · CT
- $42,300
- Years to complete
- 4
- CIP family
- 51
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Connecticut
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“University of Saint Joseph graduates earn $X” — not “University of Saint Joseph makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending University of Saint Joseph 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.