Analysis
A debt load near $29,000 against first-year earnings in the mid-$40,000s creates a manageable starting point for St. Mary's business graduates, though these figures are estimated from comparable Texas programs rather than this school's actual outcomes. The debt-to-earnings ratio of 0.63 sits comfortably below the threshold where loan payments become burdensome, and similar business programs across Texas typically produce earnings that align with the $45,899 estimate used here.
What's harder to ignore is the performance gap between St. Mary's estimated outcomes and top business programs in the state. UT Austin grads start around $94,000—more than double the projected figure here—while even mid-tier alternatives like Concordia Texas and University of Houston-Clear Lake show earnings $15,000-$20,000 higher. With an 89% admission rate and test scores well below selective competitors, St. Mary's serves a different student population, but the earnings differential suggests employers may value the brand recognition of better-known programs.
The key question is whether St. Mary's specific advantages—smaller classes, the San Antonio network, or particular industry connections—can close that gap for your child. Since the earnings data here is borrowed from peer programs rather than verified outcomes from St. Mary's alumni, you'll want to ask the school directly about placement rates and starting salaries for recent business grads before committing to this path.
Where St. Mary's University Stands
Earnings vs. debt across all business/commerce bachelors's programs nationally
Compare to Similar Programs in Texas
Business/Commerce bachelors's programs at peer institutions in Texas (41 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $36,242 | $45,899* | — | $29,000* | — | |
| $11,678 | $94,041* | — | —* | — | |
| $54,844 | $74,886* | $90,608 | $15,000* | 0.20 | |
| $36,690 | $60,641* | $71,368 | $38,138* | 0.63 | |
| $17,488 | $57,020* | $56,664 | $47,236* | 0.83 | |
| $7,746 | $56,494* | $70,808 | $23,766* | 0.42 | |
| National Median | — | $47,506* | — | $26,000* | 0.55 |
Career Paths
Occupations commonly associated with business/commerce graduates
Sales Managers
Industrial Production Managers
Quality Control Systems Managers
Geothermal Production Managers
Biofuels Production Managers
Biomass Power Plant Managers
Hydroelectric Production Managers
Construction Managers
Administrative Services Managers
Facilities Managers
Security Managers
Chief Executives
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At St. Mary's University, approximately 42% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 24 similar programs in TX. Actual outcomes may vary.