Head-to-head comparison
Schreiner University vs Southwestern Adventist University: which has better ROI?
Option A Kerrville, TX
Schreiner University
- Net price / year
- $21,507
- Earnings, 10 years
- $52,228
- Payback
- 22.2 yrs
Option B Keene, TX
Southwestern Adventist University
- Net price / year
- $22,778
- Earnings, 10 years
- $52,946
- Payback
- 19.9 yrs
Southwestern Adventist University has the better ROI: it clears its 4-year net cost of $91,112 in 19.9 years versus 22.2 years at Schreiner University, on median earnings of $52,946 vs $52,228 ten years out. (Scorecard, 2026 · our math.)
| Measure | Schreiner University | Southwestern Adventist University |
|---|---|---|
| Net price / yr | $21,507 | $22,778 |
| Total net cost | $86,028 | $91,112 |
| Median earnings, 10 yrs | $52,228 | $52,946 |
| Median debt | $23,250 | $26,998 |
| Payback | 22.2 yrs | 19.9 yrs |
| 20-year net return | -$8,668 | $608 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Schreiner University or Southwestern Adventist University?
Schreiner University, at $21,507 a year after aid versus $22,778 — a gap of $1,271 a year, or $5,084 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 Schreiner University or Southwestern Adventist University graduates earn more?
Southwestern Adventist University graduates report a median $52,946 ten years after entry, $718 more than the $52,228 at Schreiner 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, Schreiner University or Southwestern Adventist University?
Schreiner University: its completers carry a median $23,250 in federal loans versus $26,998 at Southwestern Adventist University, a difference of $3,748. 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?
52% of students finish at Southwestern Adventist University, against 43% at Schreiner 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.