+12%
Median federal debt at exit
Median federal debt at exit at University of Mary rose 12% between 2017 and 2020 ($21.5k → $24.0k).
North Dakota · Private nonprofit · Predominantly bachelor's
University of Mary
Bismarck, North Dakota. 2,280 undergraduate students. 95 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at University of Mary
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 University of Mary fell 100% between 2021 and 2024 (0.5% → 0.0%).
+10%
In-state tuition
In-state tuition at University of Mary rose 10% between 2021 and 2024 ($20.3k → $22.4k).
+10%
Out-of-state tuition
Out-of-state tuition at University of Mary rose 10% between 2021 and 2024 ($20.3k → $22.4k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. North Dakota
Each tile compares this institution to the North Dakota median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$60,909+21% · 6→10y
North Dakota median $47,828$50,191
Treasury earnings · 6y post-entry68.2%+48% · '97→'24
North Dakota median 48.1%$18,750+220% · '97→'20
At program completion2,280+30% · '96→'24
latest IPEDS82.7%+14% · '04→'24
first-time, full-time78.3%-20% · '01→'24
latest cohort$21,468+157% · '00→'24
out-of-state $21,468SECTION 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
4.1%Median federal debt $18,750 amortized over 10 years vs. median earnings $60,909 (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.
+48%
University of Mary · completion · 150% rose
45.1% → 66.6%
+87%
University of Mary · completion · 100% rose
30.3% → 56.5%
+14%
University of Mary · retention rose
73.0% → 83.5%
+30%
University of Mary · undergrad enrollment rose
1,862 → 2,416
+157%
University of Mary · in-state tuition rose
$8,700 → $22,356
+157%
University of Mary · out-of-state tuition rose
$8,700 → $22,356
+220%
University of Mary · median debt rose
$7,500 → $24,000
-100%
University of Mary · cohort default rate fell
3.8% → 0.0%
-25%
University of Mary · pell share fell
27.8% → 20.9%
+40%
University of Mary · earnings_median_10yr rose
$43,600 → $60,909
+37%
University of Mary · earnings_median_8yr rose
$40,600 → $55,628
+34%
University of Mary · earnings_median_6yr rose
$37,400 → $50,191
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.$130,020Business Administration, Management and Operations.$73,025Rehabilitation and Therapeutic Professions.$70,866Business Administration, Management and Operations.$68,935Health and Physical Education/Fitness.$50,361
SECTION 06 · BY CIP FAMILY
5 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
PARKS, RECREATION & FITNESS · CIP 31
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at University of Mary
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
$426,545
Over 40 years, discounted 5.0%
BREAKEVEN
Year 13
First year cumulative discounted earnings cross zero
- Cost per year
- $14,553
- HS-only baseline · ND
- $38,900
- Years to complete
- 6
- 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 North Dakota
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“University of Mary graduates earn $X” — not “University of Mary makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending University of Mary 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.