-26%
150%-time completion
150%-time completion at St Cloud Technical and Community College fell 25% between 2006 and 2009 (49.1% → 36.6%).
Minnesota · Public · Predominantly associate's
St Cloud Technical and Community College
Saint Cloud, Minnesota. 2,808 undergraduate students. 68 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at St Cloud Technical and Community College
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 St Cloud Technical and Community College fell 100% between 2021 and 2024 (1.6% → 0.0%).
-6pp
150%-time completion
150%-time completion fell 6 pp at St Cloud Technical and Community College vs the 2003–2007 baseline (42.2% vs 48.4%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Minnesota
Each tile compares this institution to the Minnesota median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$46,874+11% · 6→10y
Minnesota median $48,321$42,307
Treasury earnings · 6y post-entry42.2%-21% · '99→'09
Minnesota median 54.7%$8,265+357% · '97→'20
At program completion2,808+71% · '96→'24
latest IPEDS66.8%-0% · '04→'24
first-time, full-time—
latest cohort$4,957+164% · '00→'24
out-of-state $4,957SECTION 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
2.3%Median federal debt $8,265 amortized over 10 years vs. median earnings $46,874 (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%
St Cloud Technical and Community College · completion · 150% fell
46.1% → 36.6%
+71%
St Cloud Technical and Community College · undergrad enrollment rose
1,820 → 3,113
+164%
St Cloud Technical and Community College · in-state tuition rose
$2,320 → $6,124
+32%
St Cloud Technical and Community College · out-of-state tuition rose
$4,650 → $6,124
+357%
St Cloud Technical and Community College · median debt rose
$2,625 → $12,000
-100%
St Cloud Technical and Community College · cohort default rate fell
10.8% → 0.0%
+33%
St Cloud Technical and Community College · earnings_median_10yr rose
$35,200 → $46,874
+34%
St Cloud Technical and Community College · earnings_median_8yr rose
$34,300 → $45,943
+27%
St Cloud Technical and Community College · earnings_median_6yr rose
$33,300 → $42,307
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.
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$75,689Allied Health Diagnostic, Intervention, and Treatment Professions.$70,145Electromechanical Instrumentation and Maintenance Technologies/Technicians.$70,091Computer Programming.$67,638Electrical and Power Transmission Installers.$65,711Precision Metal Working.$64,258Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician (HAC, HACR, HVAC, HVACR).$63,498Vehicle Maintenance and Repair Technologies.$57,990General Sales, Merchandising and Related Marketing Operations.$56,424Vehicle Maintenance and Repair Technologies.$55,846Computer/Information Technology Administration and Management.$55,822Health Services/Allied Health/Health Sciences, General.$50,045Practical Nursing, Vocational Nursing and Nursing Assistants.$49,687Accounting and Related Services.$49,150Drafting/Design Engineering Technologies/Technicians.$48,228Liberal Arts and Sciences, General Studies and Humanities.$48,215Business Administration, Management and Operations.$44,329Dental Support Services and Allied Professions.$43,753Health and Medical Administrative Services.$43,477Public Relations, Advertising, and Applied Communication.$39,046Teaching Assistants/Aides.$23,174
SECTION 06 · BY CIP FAMILY
21 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
ENGINEERING TECHNOLOGIES · CIP 15
LIBERAL ARTS & GENERAL STUDIES · CIP 24
CONSTRUCTION TRADES · CIP 46
MECHANIC & REPAIR TECHNOLOGIES · CIP 47
PRECISION PRODUCTION · CIP 48
HEALTH PROFESSIONS · CIP 51
Practical Nursing, Vocational Nursing and Nursing Assistants.$49,687Allied Health Diagnostic, Intervention, and Treatment Professions.$70,145Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$75,689Dental Support Services and Allied Professions.$43,753Health and Medical Administrative Services.$43,477Health Services/Allied Health/Health Sciences, General.$50,045
BUSINESS, MANAGEMENT & MARKETING · CIP 52
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at St Cloud Technical and Community College
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
$209,524
Over 40 years, discounted 5.0%
BREAKEVEN
Year 9
First year cumulative discounted earnings cross zero
- Cost per year
- $9,396
- HS-only baseline · MN
- $39,400
- Years to complete
- 2
- CIP family
- 24
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 Minnesota
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“St Cloud Technical and Community College graduates earn $X” — not “St Cloud Technical and Community College makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending St Cloud Technical and Community College 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.