14.4%
Debt-to-earnings
Debt-to-earnings ratio of 14.4% at Martin University exceeds the 8% gainful-employment threshold ($24.3k debt amortized over 10 years vs $22.5k earnings).
Indiana · Private nonprofit · Predominantly bachelor's
Martin University
Indianapolis, Indiana. 164 undergraduate students. 27 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Martin University
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%
150%-time completion
150%-time completion at Martin University fell 100% between 2021 and 2024 (25.0% → 0.0%).
-49%
First-year retention
First-year retention at Martin University fell 49% between 2021 and 2024 (83.3% → 42.9%).
-17%
Undergraduate enrollment
Undergraduate enrollment at Martin University fell 17% between 2021 and 2024 (180 → 150).
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.
$22,544-12% · 6→10y
Indiana median $46,945$25,539
Treasury earnings · 6y post-entry33.3%-100% · '99→'24
Indiana median 60.7%$24,332+344% · '97→'20
At program completion164-66% · '96→'24
latest IPEDS75.0%-32% · '04→'24
first-time, full-time—
latest cohort$12,830+47% · '00→'24
out-of-state $12,830SECTION 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
14.4%Median federal debt $24,332 amortized over 10 years vs. median earnings $22,544 (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.
-74%
Martin University · completion · 150% fell
3.7% → 0.0%
-32%
Martin University · retention fell
63.0% → 42.9%
-66%
Martin University · undergrad enrollment fell
446 → 150
+47%
Martin University · in-state tuition rose
$8,970 → $13,200
+47%
Martin University · out-of-state tuition rose
$8,970 → $13,200
+344%
Martin University · median debt rose
$9,450 → $42,002
-100%
Martin University · cohort default rate fell
18.7% → 0.0%
-36%
Martin University · pell share fell
82.0% → 52.5%
-31%
Martin University · earnings_median_10yr fell
$32,800 → $22,544
-29%
Martin University · earnings_median_8yr fell
$30,900 → $22,005
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Martin University
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%.
EARNINGS SUPPRESSED
Federal privacy rules suppressed earnings for Clinical, Counseling and Applied Psychology · Master's Degree at Martin University(cohort below 30 students). The calculator can’t produce a number we’d stand behind, so we don’t.
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
“Martin University graduates earn $X” — not “Martin University makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Martin University 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.