Head-to-head comparison
Pennsylvania State University-Main Campus vs Moravian University: which has better ROI?
Option A University Park, PA
Pennsylvania State University-Main Campus
- Net price / year
- $32,875
- Earnings, 10 years
- $63,435
- Payback
- 8.7 yrs
Option B Bethlehem, PA
Moravian University
- Net price / year
- $30,670
- Earnings, 10 years
- $61,860
- Payback
- 9.1 yrs
Pennsylvania State University-Main Campus has the better ROI: it clears its 4-year net cost of $131,500 in 8.7 years versus 9.1 years at Moravian University, on median earnings of $63,435 vs $61,860 ten years out. (Scorecard, 2026 · our math.)
| Measure | Pennsylvania State University-Main Campus | Moravian University |
|---|---|---|
| Net price / yr | $32,875 | $30,670 |
| Total net cost | $131,500 | $122,680 |
| Median earnings, 10 yrs | $63,435 | $61,860 |
| Median debt | $25,000 | $26,793 |
| Payback | 8.7 yrs | 9.1 yrs |
| 20-year net return | $170,000 | $147,320 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Pennsylvania State University-Main Campus or Moravian University?
Moravian University, at $30,670 a year after aid versus $32,875 — a gap of $2,205 a year, or $8,820 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 Pennsylvania State University-Main Campus or Moravian University graduates earn more?
Pennsylvania State University-Main Campus graduates report a median $63,435 ten years after entry, $1,575 more than the $61,860 at Moravian 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, Pennsylvania State University-Main Campus or Moravian University?
Pennsylvania State University-Main Campus: its completers carry a median $25,000 in federal loans versus $26,793 at Moravian University, a difference of $1,793. 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?
86% of students finish at Pennsylvania State University-Main Campus, against 72% at Moravian 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.