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GRADUATE PROGRAM CREDIT RATINGSFOR MBA PROGRAMS(20142015)
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TABLE OF CONTENTSIntroduction 6
Summary 7
MBA Programs Rated A+
The Marriott School of Management at Brigham Young University 9
MBA Programs Rated A
The Eli Broad College of Business at Michigan State University 12
Emory Universitys Goizueta Business School 14
The Haas School of Business at the University of California, Berkeley 16
Harvard Business School 18
The Jesse H. Jones Graduate School of Business at Rice University 20
The Kelley School of Business at Indiana University 22
The Kellogg School of Management at Northwestern University 24
The Kenan-Flagler Business School at the University of North Carolina, Chapel Hill 26
The Leonard N. Stern School of Business at New York University 28
The Mendoza College of Business at the University of Notre Dame 30
The Michael G. Foster School of Business at the University of Washington 32
The Ohio State University Fisher College of Business 34
The Olin Business School at Washington University in St. Louis 36
Simon Business School at the University of Rochester 38
The Stanford Graduate School of Business 40
The Tepper School of Business at Carnegie Mellon University 42
The University of Texas at Austin McCombs School of Business 44
Vanderbilt Owen Graduate School of Management 46
The Wisconsin School of Business 48
The W.P. Carey School of Business at Arizona State University 50
MBA Programs Rated A-
The Carlson School of Management at the University of Minnesota 54
The Carroll School of Management at Boston College 56
The College of Business at the University of Illinois 58
The Darden School of Business at the University of Virginia 60
Duke Universitys Fuqua School of Business 62
The Massachusetts Institute of Technology Sloan School of Management 64
The Samuel Curtis Johnson Graduate School of Management at Cornell University 66
Stephen M. Ross School of Business at the University of Michigan 68
The University of California, Los Angeles, Anderson School of Management 70
The Yale School of Management 72
MBA Programs Rated B
The Thunderbird School of Global Management at Arizona State University 76
Pepperdine Universitys Graziadio School of Business and Management 78
MBA Programs Not Rated Due to Insufficient Information
Boston University School of Management 82
Columbia Business School 84
The Katz Graduate School of Business at University of Pittsburgh 86
The Robert Emmett McDonough School of Business at Georgetown University 88
The Scheller College of Business at Georgia Institute of Technology 90
The Tuck School of Business at Dartmouth College 92
University of Chicago Booth School of Business 94
USC Marshall School of Business 96
Wharton School of the University of Pennsylvania 98
INTRODUCTIONM7 Financial is pleased to present a first-of-its-kind financial rating of the nations top MBA programs. We
based our ratings on the ability of an average student at each school to pay typical program-related student
loan obligations upon graduation.
As you review the ratings, pay particular attention to the M7 Graduate Leverage Ratio, the M7 Graduate Debt
Service Coverage Ratio, and the letter grade we have assigned to each program.
We hope you will find these ratings to be an interesting and valuable resource. However, you should
understand that the ratings are based on averages and, therefore, might not reflect your circumstances or
experiences with a particular program. For example, you might receive a full scholarship to a program whose
students typically carry a heavy debt burden. In that case, your program-related student debt load likely will
be significantly different from that of the programs average student.
About Us
M7 Financial, together with mbaMission, jdMission, and MBA Career Coaches, is part of a family of companies
dedicated to supporting the unique aspirations of students and professionals. For more than a decade, we
have been advising and informing hundreds of thousands of such individuals around the world with our
guides, seminars, and advisory services. Our firms collective goal is to ensure that our clients succeed in
achieving their educational, professional, and personal ambitions.
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
SUMMARYMBA Program Rating Leverage Ratio Coverage Ratio Average Starting Salary + Bonus* Average Indebtedness* Estimated Annual Debt Service**
MBA Programs Rated A+ The Marriott School of Management A + 0.25 28.05 $110,216 $27,942 $3,929.52
MBA Programs Rated A The Wisconsin School of Business A 0.21 34.68 $109,293 $22,410 $3,151.56
The Michael G. Foster School of Business at the University of Washington A 0.32 21.99 $118,759 $38,394 $5,399.40
The Ohio State University Fisher College of Business A 0.39 18.37 $108,510 $41,991 $5,905.32
Simon Business School at the University of Rochester A 0.41 17.24 $92,262 $38,058 $5,352.24
The Haas School of Business at the University of California, Berkeley A 0.48 14.76 $134,078 $64,598 $9,084.60
Emory Universitys Goizueta Business School A 0.52 13.80 $124,148 $63,979 $8,997.48
The Mendoza College of Business at the University of Notre Dame A 0.53 13.32 $115,296 $61,547 $8,655.48
Harvard Business School A 0.53 13.31 $138,346 $73,926 $10,396.44
The W.P. Carey School of Business at Arizona State University A 0.54 13.22 $103,903 $55,887 $7,859.52
The University of Texas at Austin McCombs School of Business A 0.57 12.51 $123,868 $70,395 $9,899.76
The Jesse H. Jones Graduate School of Business at Rice University A 0.57 12.41 $115,693 $66,265 $9,318.96
The Stanford Graduate School of Business A 0.58 12.24 $137,525 $79,869 $11,232.12
The Eli Broad College of Business at Michigan State University A 0.58 12.22 $102,806 $59,801 $8,409.96
The Olin Business School at Washington University in St. Louis A 0.62 11.55 $110,533 $68,047 $9,569.64
The Tepper School of Business at Carnegie Mellon University A 0.66 10.77 $131,181 $86,595 $12,178.08
Vanderbilt Owen Graduate School of Management A 0.67 10.56 $113,170 $76,205 $10,716.84
The Kellogg School of Management at Northwestern University A 0.68 10.52 $135,838 $91,834 $12,914.88
The Kelley School of Business at Indiana University A 0.68 10.51 $113,898 $77,038 $10,834.08
The Kenan-Flagler Business School at the University of North Carolina, Chapel Hill A 0.69 10.37 $123,526 $84,696 $11,910.96
The Leonard N. Stern School of Business at New York University A 0.71 10.00 $131,975 $93,832 $13,195.80
MBA Programs Rated A- The College of Business at the University of Illinois A- 0.56 12.81 $94,751 $52,612 $7,398.96
The Carlson School of Management at the University of Minnesota A- 0.59 12.09 $117,972 $69,372 $9,756.00
The University of California, Los Angeles, Anderson School of Management A- 0.63 11.34 $123,353 $77,326 $10,874.52
The Carroll School of Management at Boston College A- 0.66 10.71 $96,915 $64,342 $9,048.60
Stephen M. Ross School of Business at the University of Michigan A- 0.73 9.80 $134,883 $97,915 $13,770.00
The Massachusetts Institute of Technology Sloan School of Management A- 0.73 9.70 $137,057 $100,512 $14,135.28
The Samuel Curtis Johnson Graduate School of Management at Cornell University A- 0.76 9.41 $129,037 $97,500 $13,711.68
The Darden School of Business at the University of Virginia A- 0.76 9.40 $136,102 $102,968 $14,480.64
The Yale School of Management A- 0.76 9.30 $126,013 $96,341 $13,548.72
Duke Universitys Fuqua School of Business A- 0.80 8.88 $135,101 $108,186 $15,214.44
MBA Programs Rated B The Thunderbird School of Global Management at Arizona State University B 0.99 7.17 $84,915 $84,187 $11,839.44
Pepperdine Universitys Graziadio School of Business and Management B 1.11 6.42 $80,592 $89,245 $12,550.80
MBA Programs Not Rated Due to Insufficient Information Wharton School of the University of Pennsylvania NR N/A N/A $141,243 N/A N/A
University of Chicago Booth School of Business NR N/A N/A $135,982 N/A N/A
Columbia Business School NR N/A N/A $137,654 N/A N/A
The Tuck School of Business NR N/A N/A $139,036 N/A N/A
The Katz Graduate School of Business at University of Pittsburgh NR N/A N/A $84,179 N/A N/A
The Robert Emmett McDonough School of Business at Georgetown University NR N/A N/A $118,620 N/A N/A
The Scheller College of Business at Georgia Institute of Technology NR N/A N/A $108,055 N/A N/A
USC Marshall School of Business NR N/A N/A $116,011 N/A N/A
Boston University School of Management NR N/A N/A $103,291 N/A N/A
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
MBA PROGRAMS RATED
A+
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#27 #27 665*
95.40%*$110,216*
$11,280/year(LDS member)
$22,560/year(Non-LDS member)* $27,942* $3,929.52**
0.25
28.05
The Marriott School of Management at Brigham Young University A+
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A+ credit rating reflects the following:
Credit metrics that indicate a modest debt burden Strong employment prospects (95% employed three months after graduation) Sound reputation
We would review the programs A+ credit rating should any significant trends be noted in
the future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
MBA PROGRAMS RATED
A
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#35 #33 655*
93.30%*$102,806*
$27,191/year
$43,135/year(out of state) $59,801* $8,409.96**
0.58
12.22
The Eli Broad College of Business at Michigan State University A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (93.30% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#20 #18 681*
96.20%*$124,148*
$46,000/year
$63,979* $8,997.48**
0.52
13.80
Emory Universitys Goizueta Business School A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (96.2% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#7 #19 714*
91.60%*$134,078*
$51,412/year
$53,959/year(out of state) $64,598* $9,084.60**
0.48
14.76
The Haas School of Business at the University of California, Berkeley A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (91.60% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#1 #8 727*
89.40%*$138,346*
$56,175/year
$73,926* $10,396.44**
0.53
13.31
Harvard Business School A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Sound employment prospects (89.40% employed three months after graduation) Exceptional reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#33 #25 676*
93.80%*$115,693*
$48,500/year
$66,265* $9,318.96**
0.57
12.41
The Jesse H. Jones Graduate School of Business at Rice University A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (93.80% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#21 #16 664*
90.30%*$113,898*
$24,984/year
$44,460/year(out of state) $77,038* $10,834.08**
0.68
10.51
The Kelley School of Business at Indiana University A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (90.30% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#6 #7 713*
91.00%*$135,838*
$59,085/year
$91,834* $12,914.88**
0.68
10.52
The Kellogg School of Management at Northwestern University A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (91.00% employed three months after graduation) Strong reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#19 #12 683*
90.90%*$123,526*
$31,510/year
$50,942/year(out of state) $84,696* $11,910.96**
0.69
10.37
The Kenan-Flagler Business School at the University of North Carolina, Chapel Hill A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Sound employment prospects (90.90% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#10 #22 721*
93.20%*$131,975*
$57,468/year
$93,832* $13,195.80**
0.71
10.00
The Leonard N. Stern School of Business at New York University A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (93.20% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#23 #29 690*
90.40%*$115,296*
$45,130/year
$61,547* $8,655.48**
0.53
13.32
The Mendoza College of Business at the University of Notre Dame A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Sound employment prospects (90.40% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#25 #37 670*
95.80%*$118,759*
$27,861/year
$41,037/year(out of state) $38,394* $5,399.40**
0.32
21.99
The Michael G. Foster School of Business at the University of Washington A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (95.80% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#27 #34 666*
92.00%*$108,510*
$28,688/year
$46,352/year(out of state) $41,991* $5,905.32**
0.39
18.37
The Ohio State University Fisher College of Business A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (92.00% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#22 #26 696*
96.00%*$110,533*
$49,700/year
$68,047* $9,569.64**
0.62
11.55
The Olin Business School at Washington University in St. Louis A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (96.00% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#37 #38 680*
90.90%*$92,262*
$49,929/year
$38,058* $5,352.24**
0.41
17.24
Simon Business School at the University of Rochester A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (90.90% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#1 #4 732*
89.70%*$137,525*
$59,550/year
$79,869* $11,232.12**
0.58
12.24
The Stanford Graduate School of Business A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (89.70% employed three months after graduation) Exceptional reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#18 #10 691*
90.50%*$131,181*
$56,768/year
$86,595* $12,178.08**
0.66
10.77
The Tepper School of Business at Carnegie Mellon University A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Sound employment prospects (90.50% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#15 #23 690*
93.40%*$123,868*
$33,298/year
$48,832/year(out of state) $70,395* $9,899.76**
0.57
12.51
The University of Texas at Austin McCombs School of Business A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (93.40% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#25 #30 688*
92.70%*$113,170*
$46,125/year
$76,205* $10,716.84**
0.67
10.56
Vanderbilt Owen Graduate School of Management A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Strong employment prospects (92.70% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#27 #44 676*
88.70%*$109,293*
$13,184/year
$26,678/year(out of state) $22,410* $3,151.56**
0.21
34.68
The Wisconsin School of Business A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a modest debt burden Employment prospects not commensurate with an A+ rating (88.70% employed three
months after graduation)
Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#27 #67 673*
90.80%*$103,903*
$23,300/year
$39,150/year(out of state)
$55,887* $7,859.52**
0.54
13.22
The W.P. Carey School of Business at Arizona State University A
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Sound employment prospects (90.80% employed three months after graduation) Sound reputation
We would review the programs A credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
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MBA PROGRAMS RATED
A-
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#33 #36 686*
83.80%*$117,972*
$34,230/year
$45,000/year(out of state) $69,372* $9,756**
0.59
12.09
The Carlson School of Management at the University of Minnesota A-
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A- credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Employment prospects not commensurate with an A rating (83.80% employed three
months after graduation)
Sound reputation
We would review the programs A- credit rating should any significant trends be noted in
the future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#45 #52 666*
83.80%*$96,915*
$42,000/year
$64,342* $9,048.60**
0.66
10.71
The Carroll School of Management at Boston College A-
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A- credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Employment prospects not commensurate with an A rating (83.80% employed three
months after graduation)
Sound reputation
We would review the programs A- credit rating should any significant trends be noted in
the future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#35 #45 661*
84.70%*$94,751*
$19,976/year
$29,976/year(out of state) $52,612* $7,398.96**
0.56
12.81
The College of Business at the University of Illinois A-
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to be very demanding relative to initial career prospects.
*U.S. News & World Report, 2015 Best Business Schools Ranking.
**M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014
Ratings Rationale
GRADUATE PROGRAM CREDIT RATING
Inquiries
Please direct all inquiries to:
Cory Pollock
cory@m7financial.com
The programs A- credit rating reflects the following:
Credit metrics that indicate a very manageable debt burden Employment prospects not commensurate with an A rating (84.70% employed three
months after graduation)
Sound reputation
We would review the programs A- credit rating should any significant trends be noted in
the future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.
Cost & Financing Statistics Employment Statistics
Reputational Statistics
U.S. News & World Report2015 National Program Ranking
Bloomberg Businessweek 2014 National Program Ranking
Average GMAT
M7 GraduateLeverage Ratio =
Average Program Related Student Indebtedness at Graduation
(Average Starting Salary + Bonus)=
M7 Graduate Debt Service
Coverage Ratio=
(Average Starting Salary + Bonus)
Estimated Annual Principaland Interest Payments
=
Credit Metrics
This ratio is an indicator of indebtedness and measures an
individuals program related student debt at graduation
relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.
This ratio is an indicator of ability to meet annual debt
obligations and measures annual before-tax income relative
to required annual debt service payments. The lower the
ratio, the more burdensome the debt service requirements.
Percentage of
Graduates Employed
Three Months After
Graduation:
Average Starting
Salary Plus Bonus For
Graduates:
Tuition: Average Program
Related Student
Indebtedness at
Graduation:
Estimated Annual
Principal and Interest
Payments on
Indebtedness:
M7 Financial Graduate Program Credit Rating
GRADUATE PROGRAM CREDIT RATING
#11 #20 706*
88.60%*$136,102*
$48,402/year
$52,720/year(out of state) $102,968* $14,480.64**
0.76
9.40
The Darden School of Business at the University of Virginia A-
Explanation of Ratings
A+ Student loan obligations are typically expected to be modest relative to initial career prospects.
A Student loan obligations are typically expected to be very manageable relative to initial career prospects.
A- Student loan obligations are typically expected to be manageable relative to initial career prospects.
B Student loan obligations are typically expected to be demanding relative to initial career prospects.
C Student loan obligations are typically expected to