-100%
3-year cohort default rate
3-year cohort default rate at Calvin University fell 100% between 2021 and 2024 (0.4% → 0.0%).
Michigan · Private nonprofit · Predominantly bachelor's
Calvin University
Grand Rapids, Michigan. 2,921 undergraduate students. 84 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Calvin 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.
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Michigan
Each tile compares this institution to the Michigan median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$58,375+22% · 6→10y
Michigan median $38,167$48,039
Treasury earnings · 6y post-entry77.4%+11% · '97→'24
Michigan median 57.1%$19,500+98% · '97→'20
At program completion2,921-19% · '96→'24
latest IPEDS88.5%+1% · '04→'24
first-time, full-time71.3%-28% · '01→'24
latest cohort$38,670+180% · '00→'24
out-of-state $38,670SECTION 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
4.5%Median federal debt $19,500 amortized over 10 years vs. median earnings $58,375 (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.
+180%
Calvin University · in-state tuition rose
$14,040 → $39,350
+180%
Calvin University · out-of-state tuition rose
$14,040 → $39,350
+98%
Calvin University · median debt rose
$11,750 → $23,250
-100%
Calvin University · cohort default rate fell
2.5% → 0.0%
+36%
Calvin University · earnings_median_10yr rose
$42,900 → $58,375
+32%
Calvin University · earnings_median_8yr rose
$40,400 → $53,142
+29%
Calvin University · earnings_median_6yr rose
$37,200 → $48,039
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.
Computer Science.$91,999Engineering, General.$88,670Accounting and Related Services.$81,952Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$71,761Business Administration, Management and Operations.$68,609Biochemistry, Biophysics and Molecular Biology.$66,093Communication Disorders Sciences and Services.$63,173Biology, General.$61,669Communication Disorders Sciences and Services.$61,323Health and Physical Education/Fitness.$60,507Teacher Education and Professional Development, Specific Subject Areas.$50,391Social Work.$50,096Romance Languages, Literatures, and Linguistics.$48,951Psychology, General.$48,432Economics.$48,400Teacher Education and Professional Development, Specific Levels and Methods.$47,830History.$45,411Communication and Media Studies.$39,062Parks, Recreation and Leisure Studies.$36,401Fine and Studio Arts.$35,350
SECTION 06 · BY CIP FAMILY
20 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 · CIP 14
FOREIGN LANGUAGES · CIP 16
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
PARKS, RECREATION & FITNESS · CIP 31
PSYCHOLOGY · CIP 42
PUBLIC ADMINISTRATION & SOCIAL SERVICES · CIP 44
SOCIAL SCIENCES · CIP 45
VISUAL & PERFORMING ARTS · CIP 50
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
HISTORY · CIP 54
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Calvin 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%.
NET PRESENT VALUE
$1,033,045
Over 40 years, discounted 5.0%
BREAKEVEN
Year 7
First year cumulative discounted earnings cross zero
- Cost per year
- $21,973
- HS-only baseline · MI
- $36,900
- Years to complete
- 4
- CIP family
- 14
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 Michigan
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Calvin University graduates earn $X” — not “Calvin University makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Calvin 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.