Cost & ROI · 2026
Is Harris-Stowe State University worth it?
Pay $9,922/yr after aid. Graduates earn a median of $31,088 ten years out — about 3.1× the annual cost. EduGradify value grade: B.
The ROI math, in 30 seconds
Benchmarks
Harris-Stowe State University vs Missouri avg vs national avg
How this school stacks up against the typical Missouri college and the typical US college.
| Metric | Harris-Stowe State University | Missouri avg | National avg |
|---|---|---|---|
| Avg net price | ▲ $9,922 | $17,622 | $18,467 |
| Median earnings 10y | ▼ $31,088 | $48,522 | $50,834 |
| Median debt | ▼ $25,930 | $18,954 | $19,694 |
| Graduation rate | ▼ 27.6% | 51% | 49.9% |
| Acceptance rate | — | 72.6% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $85,972 over four years. Most students get $11,571/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $25,930 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 83% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're below the recommended ceiling.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median Harris-Stowe State University grad earns about -$556,480 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about Harris-Stowe State University
The average student at Harris-Stowe State University pays $9,922 a year after grants and scholarships, against a $21,493 published sticker price. That is below the MO average net price of $17,622.
Ten years after entry, graduates earn a median of $31,088 — below the MO median of $48,522. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $25,930, roughly $281 a month on a standard ten-year plan — a heavy load at about 83% of one year's median earnings.
Smart alternatives
Cheaper Missouri colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of Harris-Stowe State University.
Frequently asked
Cost & ROI questions
What is the net price at Harris-Stowe State University?
The average net price — what students actually pay after grants and scholarships — is $9,922 per year. That's $11,571/yr in financial aid against the $21,493 sticker price. Over four years, that adds up to roughly $39,688.
How much do Harris-Stowe State University graduates earn?
Ten years after enrolling, Harris-Stowe State University graduates earn a median of $31,088 per year — below the national average of $50,834. That's about 3.1× the annual net cost.
How much debt do Harris-Stowe State University graduates take on?
Median federal loan debt at graduation is $25,930 — about $281/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 60.9% of students take federal loans.
Is Harris-Stowe State University worth the cost?
EduGradify assigns Harris-Stowe State University a value grade of B — top 47% on real ROI nationally. The math: pay $9,922/yr, earn $31,088/yr ten years out, ROI score of 7.83. Exceptional Investment.
What financial aid is available at Harris-Stowe State University?
73.7% of students receive federal Pell Grants (need-based federal aid). 60.9% take federal student loans. On average, students get $11,571 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at Harris-Stowe State University?
In-state tuition is $7,008 per year. Out-of-state tuition is $11,640 per year — a difference of $4,632/yr or $18,528 over four years.
How does net price change with family income at Harris-Stowe State University?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $9,827. Students from families earning over $110k pay about $6,238. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →