-100%
3-year cohort default rate
3-year cohort default rate at Indiana University-South Bend fell 100% between 2021 and 2024 (1.7% → 0.0%).
Indiana · Public · Predominantly bachelor's
Indiana University-South Bend
South Bend, Indiana. 3,807 undergraduate students. 85 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Indiana University-South Bend
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.
+31%
100%-time completion
100%-time completion at Indiana University-South Bend rose 31% between 2021 and 2024 (18.3% → 23.9%).
+21%
First-year retention
First-year retention at Indiana University-South Bend rose 21% between 2021 and 2024 (54.0% → 65.1%).
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.
$44,947+9% · 6→10y
Indiana median $46,945$41,388
Treasury earnings · 6y post-entry35.7%+37% · '97→'24
Indiana median 60.7%$12,000+510% · '97→'20
At program completion3,807-21% · '96→'24
latest IPEDS66.8%+0% · '04→'24
first-time, full-time86.0%-5% · '01→'24
latest cohort$8,179+140% · '01→'24
out-of-state $22,043SECTION 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
3.6%Median federal debt $12,000 amortized over 10 years vs. median earnings $44,947 (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.
+37%
Indiana University-South Bend · completion · 150% rose
29.2% → 40.1%
+215%
Indiana University-South Bend · completion · 100% rose
7.6% → 23.9%
-21%
Indiana University-South Bend · undergrad enrollment fell
4,972 → 3,933
+140%
Indiana University-South Bend · in-state tuition rose
$3,515 → $8,424
+143%
Indiana University-South Bend · out-of-state tuition rose
$9,384 → $22,811
+510%
Indiana University-South Bend · median debt rose
$3,500 → $21,355
-100%
Indiana University-South Bend · cohort default rate fell
8.7% → 0.0%
+67%
Indiana University-South Bend · pell share rose
25.6% → 42.7%
+26%
Indiana University-South Bend · earnings_median_10yr rose
$35,700 → $44,947
+28%
Indiana University-South Bend · earnings_median_8yr rose
$33,500 → $42,843
+35%
Indiana University-South Bend · earnings_median_6yr rose
$30,600 → $41,388
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.
Business/Commerce, General.$115,421Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$109,418Computer Science.$91,625Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$74,449Social Work.$61,906Public Health.$61,468Business/Commerce, General.$61,268Dental Support Services and Allied Professions.$51,812Biology, General.$50,867Social Work.$50,547Psychology, General.$48,511Teacher Education and Professional Development, Specific Subject Areas.$48,355Teacher Education and Professional Development, Specific Levels and Methods.$47,530Communication and Media Studies.$44,585Criminal Justice and Corrections.$44,363Political Science and Government.$44,071Liberal Arts and Sciences, General Studies and Humanities.$40,789
SECTION 06 · BY CIP FAMILY
17 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
COMPUTER & INFORMATION SCIENCES · CIP 11
EDUCATION · CIP 13
LIBERAL ARTS & GENERAL STUDIES · CIP 24
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
PSYCHOLOGY · CIP 42
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
PUBLIC ADMINISTRATION & SOCIAL SERVICES · CIP 44
SOCIAL SCIENCES · CIP 45
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Indiana University-South Bend
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
$462,726
Over 40 years, discounted 5.0%
BREAKEVEN
Year 7
First year cumulative discounted earnings cross zero
- Cost per year
- $9,272
- 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
“Indiana University-South Bend graduates earn $X” — not “Indiana University-South Bend makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Indiana University-South Bend 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.