9.6%
Debt-to-earnings
Debt-to-earnings ratio of 9.6% at Stevens-The Institute of Business & Arts exceeds the 8% gainful-employment threshold ($21.0k debt amortized over 10 years vs $29.1k earnings).
Missouri · Private for-profit · Predominantly associate's
Stevens-The Institute of Business & Arts
Saint Louis, Missouri. 95 undergraduate students. 9 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Stevens-The Institute of Business & Arts
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%
First-year retention
First-year retention at Stevens-The Institute of Business & Arts fell 100% between 2018 and 2020 (100.0% → 0.0%).
-86%
150%-time completion
150%-time completion at Stevens-The Institute of Business & Arts fell 86% between 2021 and 2024 (100.0% → 14.3%).
-50%
100%-time completion
100%-time completion at Stevens-The Institute of Business & Arts fell 50% between 2021 and 2024 (100.0% → 50.0%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Missouri
Each tile compares this institution to the Missouri median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$29,058+12% · 6→10y
Missouri median $40,979$25,898
Treasury earnings · 6y post-entry80.0%-86% · '98→'24
Missouri median 59.3%$21,000+458% · '97→'20
At program completion95-10% · '96→'24
latest IPEDS—-100% · '04→'20
first-time, full-time71.4%+59% · '02→'24
latest cohort$12,968+26% · '00→'09
out-of-state $12,968SECTION 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
9.6%Median federal debt $21,000 amortized over 10 years vs. median earnings $29,058 (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.
-86%
Stevens-The Institute of Business & Arts · completion · 150% fell
100.0% → 14.3%
+40%
Stevens-The Institute of Business & Arts · completion · 100% rose
35.7% → 50.0%
-100%
Stevens-The Institute of Business & Arts · retention fell
86.0% → 0.0%
+458%
Stevens-The Institute of Business & Arts · median debt rose
$4,841 → $27,000
-100%
Stevens-The Institute of Business & Arts · cohort default rate fell
25.0% → 0.0%
+33%
Stevens-The Institute of Business & Arts · pell share rose
50.7% → 67.4%
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.
SECTION 06 · BY CIP FAMILY
1 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
BUSINESS, MANAGEMENT & MARKETING · CIP 52
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Stevens-The Institute of Business & Arts
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
-$20,255
Over 40 years, discounted 5.0%
BREAKEVEN
—
Doesn’t reach breakeven within the horizon
- Cost per year
- $20,095
- HS-only baseline · MO
- $35,100
- 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 Missouri
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Stevens-The Institute of Business & Arts graduates earn $X” — not “Stevens-The Institute of Business & Arts makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Stevens-The Institute of Business & Arts 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.