Updated March 2026 · College Scorecard data
Is Pastoral Counseling and Specialized Ministries Worth It?
Pastoral Counseling and Specialized Ministries lands in the middle with a national average ROI Score of 57/100 across 14 reporting schools — a Grade C profile where outcomes vary sharply by institution, and school choice matters more than usual. Across the field, median debt is $28K against $40K in first-year earnings — a healthy debt load — repayment falls comfortably under the 8% rule on a standard 10-year plan.
Pastoral Counseling and Specialized Ministries ROI at a Glance
lands in the middle with a national average ROI Score of 57/100 across 14 reporting schools — a Grade C profile where outcomes vary sharply by institution, and school choice matters more than usual. The graduation-weighted average across reporting institutions is the cleanest single number for the field, but it hides the spread — top programs like Arlington Baptist University run far ahead of the bottom of the table. School choice within Pastoral Counseling and Specialized Ministries matters because the major-level number is a starting point, not a prediction.
Earnings rise sharply from $40K in year 1 to $54K by year 5 — 34% growth in four years. That is a strong promotion curve, common in technology, engineering, and finance tracks where early-career skill compounding pays off fast. The five-year earnings trajectory is one of the strongest signals of long-run career fit; a flat curve suggests the major leads to roles where seniority does not pay off without graduate credentials, while a steep curve indicates fast skill compounding inside the field.
Best in field: Arlington Baptist University leads the field with a 62/100 ROI Score (Grade C). Median debt at completion is $18K against $40K in first-year earnings — a debt-to-income ratio of 0.45x. Worst in field: Colorado Christian University sits at the bottom of the field with a 49/100 ROI Score (Grade D). Median debt at completion is $37K against $40K in first-year earnings — a debt-to-income ratio of 0.92x.
Debt-to-Income at the Field Level
At a debt-to-earnings ratio of 0.71x, Pastoral Counseling and Specialized Ministries shows a healthy debt load — repayment falls comfortably under the 8% rule on a standard 10-year plan. Federal financial-aid research uses the “8% rule” — monthly student loan payments under 8% of gross monthly income — which translates to debt below roughly 0.75x annual earnings on a standard 10-year plan. Programs running above 1.0x typically need income-driven repayment to stay current; above 1.5x, the math rarely works without forgiveness mechanics or an unusually steep career ramp. For borrower-rights and repayment guidance, the Consumer Financial Protection Bureau is the most accessible federal source.
Debt vs Earnings by School
Pastoral Counseling and Specialized Ministries by School
| School | State | Median Debt | Year 1 Earnings | Year 5 Earnings | ROI Grade | Verdict |
|---|---|---|---|---|---|---|
| Arlington Baptist University | Tx | $18K | $40K | $54K | C | BUY |
| Campbellsville University | Ky | $23K | $40K | $54K | C | BUY |
| Clarks Summit University | Pa | $26K | $40K | $54K | C | BUY |
| Concordia University Ann Arbor | Mi | $25K | $40K | $54K | C | BUY |
| Arizona Christian University | Az | $28K | $40K | $54K | C | CAUTION |
| Bethel University | Mn | $26K | $40K | $54K | C | CAUTION |
| Bushnell University | Or | $28K | $40K | $54K | C | CAUTION |
| Central Christian College of the Bible | Mo | $28K | $40K | $54K | C | CAUTION |
| Columbia International University | Sc | $27K | $40K | $54K | C | CAUTION |
| Calvary University | Mo | $29K | $40K | $54K | C | CAUTION |
| Cairn University-Langhorne | Pa | $31K | $40K | $54K | C | CAUTION |
| Charlotte Christian College and Theological Seminary | Nc | $34K | $40K | $54K | C | CAUTION |
| Bethel University | In | $36K | $40K | $54K | C | CAUTION |
| Colorado Christian University | Co | $37K | $40K | $54K | D | CAUTION |
How Pastoral Counseling and Specialized Ministries’s ROI Score Is Calculated
The Pastoral Counseling and Specialized Ministries ROI Score is a weighted composite of five financial-aid signals: debt-to-income (35%), earnings premium over a high-school diploma (25%), 10-year BLS job-growth outlook (20%), graduation rate (10%), and debt vs. the national average (10%). Each school + major combination is scored individually, then aggregated up to the field level. The grade thresholds (A ≥ 80, B ≥ 65, C ≥ 50, D ≥ 35, F < 35) are calibrated so a typical break-even degree lands in the C range. Read the full methodology.
Frequently Asked Questions
Is a Pastoral Counseling and Specialized Ministries degree worth it?
Pastoral Counseling and Specialized Ministries lands in the middle with a national average ROI Score of 57/100 across 14 reporting schools — a Grade C profile where outcomes vary sharply by institution, and school choice matters more than usual. The dominant signal is debt-to-income: at a debt-to-earnings ratio of 0.71x on average, the field shows a healthy debt load — repayment falls comfortably under the 8% rule on a standard 10-year plan. Outcomes vary sharply by institution, so the school you choose within Pastoral Counseling and Specialized Ministries usually matters more than the major label itself.
What is the average debt for a Pastoral Counseling and Specialized Ministries degree?
Median debt at completion across the 14 U.S. schools reporting Pastoral Counseling and Specialized Ministries data to the College Scorecard is $28K, against a national all-major average of $26K. The range across schools is wide — $18K at the top of the table to $37K at the bottom.
How much do Pastoral Counseling and Specialized Ministries graduates earn?
Earnings rise sharply from $40K in year 1 to $54K by year 5 — 34% growth in four years. That is a strong promotion curve, common in technology, engineering, and finance tracks where early-career skill compounding pays off fast. National average first-year earnings across all 30,224 school + major combinations on the site is $58K — for context, Pastoral Counseling and Specialized Ministries sits below that benchmark.
Which school has the best Pastoral Counseling and Specialized Ministries program by ROI?
Arlington Baptist University leads the field with a 62/100 ROI Score (Grade C). Median debt at completion is $18K against $40K in first-year earnings — a debt-to-income ratio of 0.45x. On the other end, Colorado Christian University sits at the bottom of the field with a 49/100 ROI Score (Grade D). Median debt at completion is $37K against $40K in first-year earnings — a debt-to-income ratio of 0.92x.
Where does this Pastoral Counseling and Specialized Ministries data come from?
Every figure on this page comes from federal public datasets — the U.S. Department of Education College Scorecard (collegescorecard.ed.gov) for debt and earnings, IPEDS (nces.ed.gov/ipeds) for graduation rates, and BLS Employment Projections for the job-growth outlook component of the ROI Score. Borrower-rights guidance: the Consumer Financial Protection Bureau (consumerfinance.gov). The dataset was last refreshed March 2026.
Sources: U.S. Department of Education College Scorecard and IPEDS, Bureau of Labor Statistics Employment Projections, Consumer Financial Protection Bureau. All federal datasets are public domain.
Last updated 2026-03-15 · 14 schools reporting for this major.