Is Calvary University Worth It?

Calvary University gives you a modest financial picture with real risk. At $45,421 in median earnings ten years out, you land below what many private four-year schools return, and the two bachelor's programs with reported earnings tell a harder story: Pastoral Counseling and Specialized Ministries pays $26,121 and Bible/Biblical Studies pays $21,964. Both sit well under the school's overall median, which means graduates from other majors are pulling that number up. If you enroll for the ministry degrees, expect earnings closer to the low $20,000s.

The debt load is the one bright spot. At $20,839 median debt, you borrow less than the earnings-heavy programs might suggest, so you avoid the trap of large loans against small paychecks. But a 52.6% graduation rate and 61.5% retention mean roughly four in ten students who start don't finish, and leaving with debt and no degree is the worst outcome here.

Calvary works financially if you already know you want a ministry or Bible-focused career and you're clear-eyed that the pay stays low. The faith-centered programs are the core of what this school offers, and the modest debt keeps the downside contained. If you need a degree that pays back a private-school price, look elsewhere.

The net price tiers reward lower-income families most. Under $30,000 in family income, you pay $9,571. above $110,000, you pay $16,444. The jump is steepest between the $48-75k and $75-110k brackets, so a middle-income family gets less relief than the sticker discount at the bottom suggests. Factor the full four years, plus the risk you don't graduate, before committing.