+11%
In-state tuition
In-state tuition at Grace College and Theological Seminary rose 11% between 2021 and 2024 ($28.2k → $31.2k).
Indiana · Private nonprofit · Predominantly bachelor's
Grace College and Theological Seminary
Winona Lake, Indiana. 1,511 undergraduate students. 79 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Grace College and Theological Seminary
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.
-100%
3-year cohort default rate
3-year cohort default rate at Grace College and Theological Seminary fell 100% between 2021 and 2024 (0.9% → 0.0%).
+11%
Out-of-state tuition
Out-of-state tuition at Grace College and Theological Seminary rose 11% between 2021 and 2024 ($28.2k → $31.2k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Indiana
Each tile compares this institution to the Indiana median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$45,411+10% · 6→10y
Indiana median $46,945$41,463
Treasury earnings · 6y post-entry69.9%+21% · '97→'24
Indiana median 60.7%$16,750+144% · '97→'20
At program completion1,511+139% · '96→'24
latest IPEDS80.4%+7% · '04→'24
first-time, full-time80.8%+1% · '01→'24
latest cohort$30,034+165% · '01→'24
out-of-state $30,034SECTION 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
4.9%Median federal debt $16,750 amortized over 10 years vs. median earnings $45,411 (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.
+21%
Grace College and Theological Seminary · completion · 150% rose
56.7% → 68.8%
+109%
Grace College and Theological Seminary · completion · 100% rose
31.5% → 65.9%
+139%
Grace College and Theological Seminary · undergrad enrollment rose
613 → 1,464
+165%
Grace College and Theological Seminary · in-state tuition rose
$11,760 → $31,200
+165%
Grace College and Theological Seminary · out-of-state tuition rose
$11,760 → $31,200
+144%
Grace College and Theological Seminary · median debt rose
$8,001 → $19,500
-100%
Grace College and Theological Seminary · cohort default rate fell
4.2% → 0.0%
+36%
Grace College and Theological Seminary · pell share rose
21.3% → 29.1%
+31%
Grace College and Theological Seminary · earnings_median_10yr rose
$34,600 → $45,411
+37%
Grace College and Theological Seminary · earnings_median_8yr rose
$32,700 → $44,909
+34%
Grace College and Theological Seminary · earnings_median_6yr rose
$31,000 → $41,463
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.
Accounting and Related Services.$68,991Business Administration, Management and Operations.$54,568Clinical, Counseling and Applied Psychology.$52,325Marketing.$51,513Pastoral Counseling and Specialized Ministries.$50,451Bible/Biblical Studies.$46,395Teacher Education and Professional Development, Specific Subject Areas.$45,869Mental and Social Health Services and Allied Professions.$43,648Bible/Biblical Studies.$43,475Criminal Justice and Corrections.$42,350Health and Physical Education/Fitness.$40,842Psychology, General.$39,491Liberal Arts and Sciences, General Studies and Humanities.$37,632Design and Applied Arts.$36,697Clinical, Counseling and Applied Psychology.$34,523
SECTION 06 · BY CIP FAMILY
15 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
LIBERAL ARTS & GENERAL STUDIES · CIP 24
PARKS, RECREATION & FITNESS · CIP 31
THEOLOGY & RELIGIOUS VOCATIONS · CIP 39
PSYCHOLOGY · CIP 42
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
VISUAL & PERFORMING ARTS · CIP 50
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Grace College and Theological Seminary
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
$314,567
Over 40 years, discounted 5.0%
BREAKEVEN
Year 12
First year cumulative discounted earnings cross zero
- Cost per year
- $15,080
- HS-only baseline · IN
- $36,400
- Years to complete
- 4
- CIP family
- 52
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 Indiana
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Grace College and Theological Seminary graduates earn $X” — not “Grace College and Theological Seminary makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Grace College and Theological Seminary 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.