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Calvary University : Overview, Courses, Scholarships & Rankings

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About Calvary University

Set on the south side of Kansas City, Calvary University is known for faith-shaped academics that tie scripture to the liberal arts and professional studies. Faculty keep classes personal and dialogue heavy, with an emphasis on clear writing, ethical leadership, and real-world practice. The library and chapel anchor campus life, alongside study spaces, residence housing, dining, and student services that include advising, tutoring, counseling, and career guidance.

Student life skews close-knit and purpose driven. You'll see a rhythm of chapel, small groups, service projects, intramurals, and low-key arts events that give the week its heartbeat. Career prep leans practical, with internships around the metro and connections to churches, nonprofits, schools, and local employers. Kansas City adds the perks of a big-league town, with jazz roots, barbecue, friendly neighborhoods, and plenty of ways to serve and grow.

Key Institutional Details

Contact & Profile

Location: 15800 Calvary Road, Kansas City, Missouri, 64147, USA
Website: calvary.edu
Unit ID: 176789

Academic & Institutional

Control: Private non-profit institution (tuition + donations)
Accreditation: HLC
Length of Study: Programs under 2 years (e.g. certificate or diploma)
Calendar System: Semester system (two main terms per year)
Award Levels: Certificate (1-2 yrs), Associate's, Bachelor's, Master's, Doctorate (Research)
Carnegie Classification: Doctoral Universities: Very High Research Baccalaureate - Diverse Fields
Campus Setting: Located in a large city (population of 250,000 or more)
Tuition: In-state: $13,692 (Tuition $12,210 + Fee $1,482) · Out-of-state: $13,692 (Tuition $12,210 + Fee $1,482)
Student Profile:
Total Students: 262
Undergraduate: 170
Graduate/Other: 92
Male: 141 Female: 121
Applications:
Total Applicants: 110
Admitted: 78
Enrolled: 27
Acceptance: 70.9% Yield: 34.6%
Staff:
Total: 71 Full-time: 36 Part-time: 35

Degree Programs & Career Salary Prospects

Explore degree programs offered at Calvary University with detailed career prospects, starting salary ranges, and job opportunities in Missouri. See what you can do with your degree and expected earnings after graduation.

How to use this guide:
Click on any academic field that interests you to expand and view available degree programs. Each program shows potential career paths, median salaries in Missouri vs national averages, and job prospects for graduates. Perfect for answering "What can I do with my degree?" and salary expectations.
Theology (11)
Theological Studies, Ministry Preparation and Religious Leadership
39.0201 Bible/Biblical Studies. (Cert<1y, Cert<2y, Cert2y+, PostBacCert)
A program that focuses on the Christian and/or Jewish Bible and related literature, with an emphasis on understanding and interpreting the theological, doctrinal, and ethical messages contained therein. May include preparation for applying these studies in various religious vocations.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
21-2021 Directors, Religious Activities and Education $65,040 $43,480 -$21,560 (-33.1%)
25-1126 Philosophy and Religion Teachers, Postsecondary $88,210 $80,370 -$7,840 (-8.9%)
39.0501 Religious/Sacred Music. (PostBacCert)
A program that focuses on the history, theory, composition, and performance of music for religious or sacred purposes, and that prepares individuals for religious musical vocations such as choir directors, cantors, organists, and chanters.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
25-1126 Philosophy and Religion Teachers, Postsecondary $88,210 $80,370 -$7,840 (-8.9%)
27-2041 Music Directors and Composers $84,230 $64,910 -$19,320 (-22.9%)
39.0601 Theology/Theological Studies. (Cert<2y, Cert2y+)
A program that focuses on the beliefs and doctrine of a particular religious faith from the intramural point of view of that faith. Includes instruction in systematic theology, historical theology, moral theology, doctrinal studies, dogmatics, apologetics, and applications to specific questions of ecclesiastical polity and religious life.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
21-2011 Clergy $67,160 $52,590 -$14,570 (-21.7%)
25-1126 Philosophy and Religion Teachers, Postsecondary $88,210 $80,370 -$7,840 (-8.9%)
39.0602 Divinity/Ministry. (PostBacCert)
A program that prepares individuals for ordination as ministers or priests in any of the Christian religious traditions. Includes instruction in the theology and polity of a particular church, church law, liturgy and ritual, principles of pastoral ministry, homiletics, evangelism, church/parish organization and management, Christian ethics, church history, and related studies.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
21-2011 Clergy $67,160 $52,590 -$14,570 (-21.7%)
25-1126 Philosophy and Religion Teachers, Postsecondary $88,210 $80,370 -$7,840 (-8.9%)
39.0701 Pastoral Studies/Counseling. (Cert2y+, PostBacCert)
A program that focuses on the theory and principles of pastoral care and prepares ordained clergy to provide non-clinical pastoral counseling to individuals and groups. Includes instruction in pastoral leadership, counseling psychology; crisis intervention; individual and group procedures; theological and spiritual counseling; pastoral care; and applications to specific types of ministry.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
21-1019 Counselors, All Other $58,070 $48,640 -$9,430 (-16.2%)
21-1099 Community and Social Service Specialists, All Other $58,360 $46,330 -$12,030 (-20.6%)
21-2011 Clergy $67,160 $52,590 -$14,570 (-21.7%)
21-2021 Directors, Religious Activities and Education $65,040 $43,480 -$21,560 (-33.1%)
21-2099 Religious Workers, All Other $49,830 $37,180 -$12,650 (-25.4%)
25-1126 Philosophy and Religion Teachers, Postsecondary $88,210 $80,370 -$7,840 (-8.9%)
39.9999 Theology and Religious Vocations, Other. (FPD)
Any instructional program in theological studies and religious vocations not listed above.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
99-9999 NO MATCH N/A N/A N/A
Business (2)
Business Administration, Marketing and Entrepreneurship
52.0201 Business Administration and Management, General. (Cert2y+)
A program that generally prepares individuals to plan, organize, direct, and control the functions and processes of a firm or organization. Includes instruction in management theory, human resources management and behavior, accounting and other quantitative methods, purchasing and logistics, organization and production, marketing, and business decision-making.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
11-1011 Chief Executives $262,930 $158,170 -$104,760 (-39.8%)
11-1021 General and Operations Managers $133,120 $76,970 -$56,150 (-42.2%)
11-2022 Sales Managers $160,930 $90,230 -$70,700 (-43.9%)
11-3012 Administrative Services Managers $126,030 $76,330 -$49,700 (-39.4%)
11-3013 Facilities Managers $114,520 $86,930 -$27,590 (-24.1%)
11-3051 Industrial Production Managers $129,180 $104,590 -$24,590 (-19%)
11-3071 Transportation, Storage, and Distribution Managers $116,010 $78,910 -$37,100 (-32%)
11-3111 Compensation and Benefits Managers $156,230 $119,110 -$37,120 (-23.8%)
11-3121 Human Resources Managers $160,480 $104,810 -$55,670 (-34.7%)
11-3131 Training and Development Managers $140,590 $108,770 -$31,820 (-22.6%)
11-9021 Construction Managers $119,660 $101,300 -$18,360 (-15.3%)
11-9072 Entertainment and Recreation Managers, Except Gambling $87,060 $83,780 -$3,280 (-3.8%)
11-9151 Social and Community Service Managers $86,100 $61,510 -$24,590 (-28.6%)
11-9179 Personal Service Managers, All Other $70,620 $69,080 -$1,540 (-2.2%)
11-9199 Managers, All Other $149,890 $89,190 -$60,700 (-40.5%)
13-1051 Cost Estimators $83,160 $64,600 -$18,560 (-22.3%)
13-1071 Human Resources Specialists $79,730 $59,330 -$20,400 (-25.6%)
13-1081 Logisticians $87,600 $77,440 -$10,160 (-11.6%)
13-1082 Project Management Specialists $108,100 $79,350 -$28,750 (-26.6%)
13-1111 Management Analysts $114,710 $107,540 -$7,170 (-6.3%)
13-1141 Compensation, Benefits, and Job Analysis Specialists $82,920 $76,860 -$6,060 (-7.3%)
13-1199 Business Operations Specialists, All Other $92,380 $75,810 -$16,570 (-17.9%)
25-1011 Business Teachers, Postsecondary $113,840 $97,330 -$16,510 (-14.5%)
52.0213 Organizational Leadership. (PostBacCert)
A program that focuses on leadership skills that can be applied to a business, government, non-profit, or educational setting. Includes instruction in organizational planning, dynamics of leadership, finance, team building, conflict resolution and mediation, communication and other management skills.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
11-2033 Fundraising Managers $137,290 $104,310 -$32,980 (-24%)
11-3121 Human Resources Managers $160,480 $104,810 -$55,670 (-34.7%)
11-3131 Training and Development Managers $140,590 $108,770 -$31,820 (-22.6%)
11-9199 Managers, All Other $149,890 $89,190 -$60,700 (-40.5%)
13-1111 Management Analysts $114,710 $107,540 -$7,170 (-6.3%)
25-1011 Business Teachers, Postsecondary $113,840 $97,330 -$16,510 (-14.5%)
Interdisciplinary (2)
Cross-Disciplinary Studies and Integrated Research Programs
30.9999 Multi-/Interdisciplinary Studies, Other. (Cert<2y, Cert2y+)
Any instructional program in multi/interdisciplinary studies not listed above.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
99-9999 NO MATCH N/A N/A N/A
Education (5)
Educational Sciences, Teaching Methods and Pedagogy
13.0401 Educational Leadership and Administration, General. (PostBacCert)
A program that focuses on the general principles and techniques of administering a wide variety of schools and other educational organizations and facilities, supervising educational personnel at the school or staff level, and that may prepare individuals as general administrators and supervisors.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
11-9031 Education and Childcare Administrators, Preschool and Daycare $62,640 $38,350 -$24,290 (-38.8%)
11-9032 Education Administrators, Kindergarten through Secondary $113,360 $88,510 -$24,850 (-21.9%)
11-9033 Education Administrators, Postsecondary $124,450 $119,400 -$5,050 (-4.1%)
11-9039 Education Administrators, All Other $99,460 $68,850 -$30,610 (-30.8%)
13.1202 Elementary Education and Teaching. (Cert2y+)
A program that prepares individuals to teach students in the elementary grades, which may include kindergarten through grade eight, depending on the school system or state regulations. Includes preparation to teach all elementary education subject matter.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
25-1081 Education Teachers, Postsecondary $78,500 $88,830 +$10,330 (+13.2%)
25-2021 Elementary School Teachers, Except Special Education $69,790 $48,840 -$20,950 (-30%)
13.1205 Secondary Education and Teaching. (Cert2y+, PostBacCert)
A program that prepares individuals to teach students in the secondary grades, which may include grades seven through twelve, depending on the school system or state regulations. May include preparation to teach a comprehensive curriculum or specific subject matter.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
25-1081 Education Teachers, Postsecondary $78,500 $88,830 +$10,330 (+13.2%)
25-2031 Secondary School Teachers, Except Special and Career/Technical Education $73,700 $49,920 -$23,780 (-32.3%)
13.1312 Music Teacher Education. (Cert2y+)
A program that prepares individuals to teach music and music appreciation programs at various educational levels.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
25-1081 Education Teachers, Postsecondary $78,500 $88,830 +$10,330 (+13.2%)
25-1121 Art, Drama, and Music Teachers, Postsecondary $102,240 $152,370 +$50,130 (+49%)
25-2022 Middle School Teachers, Except Special and Career/Technical Education $70,040 $48,050 -$21,990 (-31.4%)
25-2031 Secondary School Teachers, Except Special and Career/Technical Education $73,700 $49,920 -$23,780 (-32.3%)
Arts (5)
Fine Arts, Design Studies and Creative Performance
50.0501 Drama and Dramatics/Theatre Arts, General. (Cert2y+)
A program that focuses on the general study of dramatic works and their performance. Includes instruction in major works of dramatic literature, dramatic styles and types, and the principles of organizing and producing full live or filmed productions.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
25-1121 Art, Drama, and Music Teachers, Postsecondary $102,240 $152,370 +$50,130 (+49%)
27-2011 Actors N/A N/A N/A
27-2012 Producers and Directors $114,280 $62,510 -$51,770 (-45.3%)
27-2099 Entertainers and Performers, Sports and Related Workers, All Other N/A N/A N/A
50.0903 Music Performance, General. (Cert<1y, Cert<2y, Cert2y+, PostBacCert)
A program that generally prepares individuals to master musical instruments and performing art as solo and/or ensemble performers. Includes instruction on one or more specific instruments from various instrumental groupings.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
25-1121 Art, Drama, and Music Teachers, Postsecondary $102,240 $152,370 +$50,130 (+49%)
27-2041 Music Directors and Composers $84,230 $64,910 -$19,320 (-22.9%)
27-2042 Musicians and Singers N/A N/A N/A
Communication (1)
Media Communications, Journalism and Public Relations
09.0100 Communication and Media Studies. (Cert2y+)
Instructional content for this group of programs is defined in codes 09.0100 - 09.0199.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
11-2032 Public Relations Managers $163,520 $122,490 -$41,030 (-25.1%)
11-2033 Fundraising Managers $137,290 $104,310 -$32,980 (-24%)
13-1131 Fundraisers $73,130 $57,910 -$15,220 (-20.8%)
25-1122 Communications Teachers, Postsecondary $90,340 $68,740 -$21,600 (-23.9%)
27-3011 Broadcast Announcers and Radio Disc Jockeys $80,110 $37,700 -$42,410 (-52.9%)
27-3023 News Analysts, Reporters, and Journalists $106,030 $47,230 -$58,800 (-55.5%)
27-3031 Public Relations Specialists $80,310 $51,550 -$28,760 (-35.8%)
27-3041 Editors $85,700 $50,720 -$34,980 (-40.8%)
27-3043 Writers and Authors $85,780 $65,710 -$20,070 (-23.4%)
Computer & IT (1)
Computer Science, Information Technology and Cybersecurity
11.0701 Computer Science. (Cert2y+)
A program that focuses on computer theory, computing problems and solutions, and the design of computer systems and user interfaces from a scientific perspective. Includes instruction in the principles of computational science, computer development and programming, and applications to a variety of end-use situations.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
11-3021 Computer and Information Systems Managers $187,990 $128,700 -$59,290 (-31.5%)
15-1212 Information Security Analysts $127,730 $91,400 -$36,330 (-28.4%)
15-1221 Computer and Information Research Scientists $152,310 $132,150 -$20,160 (-13.2%)
15-1231 Computer Network Support Specialists $79,610 $59,260 -$20,350 (-25.6%)
15-1243 Database Architects $142,620 $102,590 -$40,030 (-28.1%)
15-1251 Computer Programmers $103,640 $53,170 -$50,470 (-48.7%)
15-1252 Software Developers $144,570 $103,820 -$40,750 (-28.2%)
15-1253 Software Quality Assurance Analysts and Testers $110,260 $67,830 -$42,430 (-38.5%)
15-1254 Web Developers $98,790 $77,920 -$20,870 (-21.1%)
15-1255 Web and Digital Interface Designers $111,450 $61,130 -$50,320 (-45.2%)
15-1299 Computer Occupations, All Other $116,700 $89,800 -$26,900 (-23.1%)
15-2051 Data Scientists $124,590 $80,930 -$43,660 (-35%)
25-1021 Computer Science Teachers, Postsecondary $105,830 $85,750 -$20,080 (-19%)
English (1)
English Literature, Creative Writing and Literary Analysis
23.1302 Creative Writing. (Cert2y+)
A program that focuses on the process and techniques of original composition in various literary forms such as the short story, poetry, the novel, and others. Includes instruction in technical and editorial skills, criticism, and the marketing of finished manuscripts.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
25-1123 English Language and Literature Teachers, Postsecondary $90,400 $82,570 -$7,830 (-8.7%)
25-1199 Postsecondary Teachers, All Other $94,470 $64,560 -$29,910 (-31.7%)
27-3041 Editors $85,700 $50,720 -$34,980 (-40.8%)
27-3043 Writers and Authors $85,780 $65,710 -$20,070 (-23.4%)
Mechanics (1)
Automotive Technology, Equipment Repair and Maintenance
47.0608 Aircraft Powerplant Technology/Technician. (Cert2y+)
A program that prepares individuals to apply technical knowledge and skills to repair, service, and maintain all types of aircraft powerplant and related systems. Instruction includes engine inspection and maintenance, lubrication and cooling, electrical and ignition systems, carburetion, fuels and fuel systems, propeller and fan assemblies.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
49-3011 Aircraft Mechanics and Service Technicians $80,780 $64,170 -$16,610 (-20.6%)
51-2011 Aircraft Structure, Surfaces, Rigging, and Systems Assemblers $66,510 $66,910 +$400 (+0.6%)
History (1)
Historical Studies, Cultural Heritage and Archaeological Research
54.0101 History, General. (Cert2y+)
A program that focuses on the general study and interpretation of the past, including the gathering, recording, synthesizing and criticizing of evidence and theories about past events. Includes instruction in historiography; historical research methods; studies of specific periods, issues and cultures; and applications to areas such as historic preservation, public policy, and records administration.

Graduate Career Earnings in Missouri

Average graduate salary for this degree:
SOC Code Occupation US National Missouri Avg MO vs US
11-9199 Managers, All Other $149,890 $89,190 -$60,700 (-40.5%)
19-3093 Historians $78,470 $74,710 -$3,760 (-4.8%)
25-1125 History Teachers, Postsecondary $93,710 $92,880 -$830 (-0.9%)
25-2031 Secondary School Teachers, Except Special and Career/Technical Education $73,700 $49,920 -$23,780 (-32.3%)
39-7011 Tour Guides and Escorts N/A N/A N/A

Tuition, Fees & Estimated Costs

Overview of tuition rates, housing, and other annual education expenses for undergraduate and graduate students

Estimated Total Cost
(In-state)
$22,470
Estimated Total Cost
(Out-state)
$22,470
In-state Tuition (incl. fees)
$13,692
Tuition and fees for students residing in-state
Out-of-state Tuition (incl. fees)
$13,692
Tuition and fees for non-resident students
Room & Board
$6,304 (on) / $14,835 (off)
Housing and meal plan expenses
Books & Supplies
$794
Average yearly cost of books and study materials
Other Expenses
$1,680 (on) / $13,155 (off)
Miscellaneous personal and institutional expenses
Other Expenses (with family)
$5,598
Estimated cost for students living with family
Graduate In-state Tuition (incl. fees)
$9,312
Graduate tuition rates for in-state students
Graduate Out-of-state Tuition (incl. fees)
$9,312
Graduate tuition rates for non-resident students

Financial Aid & Student Support

Summary of scholarships, grants, student loans, and financial aid statistics for undergraduate students

12%
FTFT Aid Recipients
Avg. Grant
$7,184
Avg. Loan
$9,167
Avg. Federal Loan
$5,167
Additional
Students with Any Grant
14
Students who received any type of grant aid
Students with Any Loan
3
Students who received any type of loan-based aid
Students with Federal Grant
7
Students who received a federal grant
Avg. Institutional Grant
$4,813
Average amount of institutional grant awarded

Student Success Metrics

Graduation rates and post-graduation earnings to help assess student outcomes and long-term value of education.

53%
Graduation Rate
Percentage of students who successfully graduate from the institution
62%
First-Year Retention Rate
Percentage of first-year students who continue for a second year
Median Earnings Over Time
$29,708 – $66,219
Salary Range (25th–75th Percentile, 10 Years)
$29,708 (25th %) $66,219 (75th %)
*Median Salary After 10 Years: $45,421
Median Salary After 6 Years
$33,144
Average annual earnings of former students six years after starting college.
Median Salary After 10 Years
$45,421
Average annual earnings of former students ten years after starting college.

Loan Burden & Repayment Outcomes

Breakdown of loan repayment rates and student debt levels by income and dependency status.

3-Year Loan Repayment Rate
46.6%
Share of borrowers who repaid loans within 3 years
Repayment Rate (Graduates Only)
53.5%
Repayment rate among students who completed their program
Median Student Loan Debt
$20,839
Median federal loan debt of undergraduate completers at time of graduation.
Repayment by Income
Middle 52.2%
Repayment by Dependency
Dependent 46.9%
Independent 46.3%

Frequently Asked Questions

Find answers to the most common questions about Calvary University

How much does it cost to attend Calvary University?

The annual tuition at Calvary University is $13,692 for in-state students. When including room and board, books, and other expenses, the total estimated cost is approximately $22,470 for in-state students. Additional costs include room and board $6,304 (on) / $14,835 (off) and books and supplies $794.

Data based on IPEDS program completions for 2022-2023 academic year. Tuition and cost estimates are approximate and may not include all fees, personal expenses, or transportation costs.

What academic programs and degree levels does Calvary University offer?

Calvary University offers 35 academic programs across 10 major fields of study, with available degree levels: Certificate (1-2 yrs), Associate's, Bachelor's, Master's, Doctorate (Research).

Most popular program areas include:

  • Theological Studies, Ministry Preparation and Religious Leadership (11 programs)
  • Educational Sciences, Teaching Methods and Pedagogy (5 programs)
  • Fine Arts, Design Studies and Creative Performance (5 programs)
  • Cross-Disciplinary Studies and Integrated Research Programs (2 programs)
  • Business Administration, Marketing and Entrepreneurship (2 programs)

Data based on IPEDS program completions for 2022-2023 academic year. Numbers reflect programs where students graduated, not all offered programs.

What is the acceptance rate for Calvary University?

Calvary University has an 70.9% acceptance rate and a 34.6% yield rate, making it selective.

Admission statistics breakdown:

  • Total applicants: 110
  • Students admitted: 78
  • Students enrolled: 27

Data based on IPEDS for 2022-2023 academic year. Admission statistics may vary by program and application cycle.

What financial aid and scholarships are available at Calvary University?

Calvary University provides financial aid to 12% of first-time, full-time students, with average grants of $7,184 and average loans of $9,167.

Average financial aid amounts by type:

  • Pell grants: $5,788
  • Institutional grants: $4,813
  • Federal loans: $5,167

The university supports 14 students with grants and 3 students with loans annually.

Data based on IPEDS for 2022-2023 academic year. Financial aid amounts and percentages may vary by program, enrollment status, and individual circumstances.

What is the average salary for Calvary University graduates?

Calvary University graduates earn a median salary of $33,144 after 6 years and $45,421 after 10 years.

The salary range 10 years after graduation spans from $29,708 (25th percentile) to $66,219 (75th percentile).

Data based on IPEDS for 2022-2023 academic year. Salary data reflects graduates who received federal financial aid (approximately 60% of all graduates). Actual earnings may vary significantly based on program, location, and individual circumstances.

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