Head-to-head comparison
Grace College and Theological Seminary vs Oakland City University: which has better ROI?
Option A Winona Lake, IN
Grace College and Theological Seminary
- Net price / year
- $19,932
- Earnings, 10 years
- $45,411
- Payback
- No payback
Option B Oakland City, IN
Oakland City University
- Net price / year
- $15,210
- Earnings, 10 years
- $43,283
- Payback
- No payback
Neither clears its cost on institution-wide earnings, but Grace College and Theological Seminary comes closer — median earnings $45,411 against a $79,728 total, vs $43,283 at Oakland City University. (Scorecard, 2026 · our math.)
| Measure | Grace College and Theological Seminary | Oakland City University |
|---|---|---|
| Net price / yr | $19,932 | $15,210 |
| Total net cost | $79,728 | $60,840 |
| Median earnings, 10 yrs | $45,411 | $43,283 |
| Median debt | $19,500 | $16,758 |
| Payback | — | — |
| 20-year net return | -$138,708 | -$162,380 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Grace College and Theological Seminary or Oakland City University?
Oakland City University, at $15,210 a year after aid versus $19,932 — a gap of $4,722 a year, or $18,888 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
The short answer
Do Grace College and Theological Seminary or Oakland City University graduates earn more?
Grace College and Theological Seminary graduates report a median $45,411 ten years after entry, $2,128 more than the $43,283 at Oakland City University. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
The short answer
Which leaves students with less debt, Grace College and Theological Seminary or Oakland City University?
Oakland City University: its completers carry a median $16,758 in federal loans versus $19,500 at Grace College and Theological Seminary, a difference of $2,742. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
The short answer
Which graduates more of its students?
69% of students finish at Grace College and Theological Seminary, against 66% at Oakland City University. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.