You would borrow a median $22,500 — about $256 a month for ten years. Graduates earn a median $62,092 ten years after starting, so the debt clears in roughly 1 years of the salary premium.
It is a fair deal, close to the national middle. What you study and what you borrow will matter more than the badge.
Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.
Every dollar you win is a dollar you never repay — and it moves the 1-year payback above. We list 2 scholarships tied to Saint Martin's University.
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The typical graded university clears its debt in 1.3 years on median earnings of $57,146 against $22,500 of debt. Saint Martin's University clears its debt faster than that, and its graduates earn $22,572 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| Seattle Pacific University Washington | B | $24,000 | $64,506 | 1 yrs |
| Eastern Washington University Washington | C | $19,500 | $57,897 | 1.1 yrs |
| Central Washington University Washington | B | $19,500 | $61,580 | 0.9 yrs |
| City University of Seattle Washington | B | $25,000 | $69,460 | 0.8 yrs |
| University of Puget Sound Washington | B | $25,000 | $69,594 | 0.8 yrs |
Source: US Department of Education College Scorecard — earnings and debt cover students who received federal financial aid and blend every subject taught at the institution. Figures imported 28 Aug 2026. This page is information, not financial advice.