TX | PRIVATE NONPROFIT
Degreeli reads this school through school + degree value, not prestige alone. Start with the Value Score, then expand each program to see cost, salary, payback, and risk.
Overview
Howard Payne University looks strongest as a selective value play, with its best program landing at $287,498 in completion-adjusted ROI.
Families should compare the strongest path against weaker options, especially if recoup times stretch well beyond 11.5 years.
4-year net cost
$94,508
Estimated debt
$58,595
Early salary signal
$43,759
Graduation rate
28%
Why this score?
High Risk is a Degreeli Value Score v1 directional read based on modeled cost ($94,508), estimated debt ($58,595), early-career salary ($43,759), payback, completion, and review signals. The strongest signal is that cost looks efficient relative to expected early-career pay. The main caution is that debt risk rises quickly if borrowing approaches the modeled estimate. Data confidence is medium, so this should support comparison rather than act as a guarantee.
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
Programs
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
30
High Risk
Data Confidence
Medium
Completion ROI
$287,498
Salary Outlook
$43,759
Estimated Debt
$58,595
Payback
11.2 years
Strengths
Cost looks efficient relative to expected early-career pay.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
BACHELORS
Click to inspect salary, debt, payback, strengths, and risks.
29
High Risk
Data Confidence
Medium
Completion ROI
$280,189
Salary Outlook
$42,740
Estimated Debt
$58,595
Payback
11.5 years
Strengths
Enough directional data exists to compare this option against alternatives.
Risks
Debt risk rises quickly if borrowing approaches the modeled estimate.
Payback could take longer than many families expect.
Completion or outcome confidence needs more scrutiny.
Verified reviews
Student, graduate, and parent perspectives appear here only after email verification, affiliation review, automated screening, and moderator approval.
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ROI Snapshot
BACHELORS
30
High Risk
On-time ROI
$1,027,512
Risk-adjusted ROI
$287,498
Value at risk
$740,014
Payback
11.2 years
BACHELORS
29
High Risk
On-time ROI
$1,001,392
Risk-adjusted ROI
$280,189
Value at risk
$721,203
Payback
11.5 years
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