Program Analysis
First-year earnings of $30,910 track close to the $31,976 national median for Pastoral Counseling programs. This is a middle-of-the-road outcome on salary alone.
At 6.0x the cost of in-state tuition, the ten-year earnings outlook represents a strong return. Not exceptional, but meaningfully positive.
AI risk is moderate — 21% task exposure — and the 4% scenario spread suggests disruption would dent but not destroy the earnings outlook.
The $24,750 debt-to-$30,910 income ratio translates to about 10 months of earnings. Standard loan terms should handle this comfortably.
At #15 out of 22 programs, Southwestern Assemblies of God University's financial outcomes for Pastoral Counseling trail the majority of peers. The value case depends on other factors.
The five-year earnings trajectory from $30,910 to $38,540 shows 25% growth, reflecting steady but unremarkable salary progression.