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GRADUATE

PROGRAM
CREDIT
RATINGS
FOR MBA PROGRAMS
(20142015)

ALSO BY
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TABLE OF CONTENTS
Introduction

Summary

MBA Programs Rated A+


The Marriott School of Management at Brigham Young University

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 AThe 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

INTRODUCTION
M7 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

SUMMARY
MBA Program

Rating

Leverage Ratio

Coverage Ratio

Average Starting Salary + Bonus*

Average Indebtedness*

Estimated Annual Debt Service**

A+

0.25

28.05

$110,216

$27,942

$3,929.52

0.21

34.68

$109,293

$22,410

$3,151.56

MBA Programs Rated A+

The Marriott School of Management

MBA Programs Rated A

The Wisconsin School of Business

The Michael G. Foster School of Business at the University of Washington

0.32

21.99

$118,759

$38,394

$5,399.40

The Ohio State University Fisher College of Business

0.39

18.37

$108,510

$41,991

$5,905.32

Simon Business School at the University of Rochester

0.41

17.24

$92,262

$38,058

$5,352.24

The Haas School of Business at the University of California, Berkeley

0.48

14.76

$134,078

$64,598

$9,084.60

Emory Universitys Goizueta Business School

0.52

13.80

$124,148

$63,979

$8,997.48

The Mendoza College of Business at the University of Notre Dame

0.53

13.32

$115,296

$61,547

$8,655.48

Harvard Business School

0.53

13.31

$138,346

$73,926

$10,396.44

The W.P. Carey School of Business at Arizona State University

0.54

13.22

$103,903

$55,887

$7,859.52

The University of Texas at Austin McCombs School of Business

0.57

12.51

$123,868

$70,395

$9,899.76

The Jesse H. Jones Graduate School of Business at Rice University

0.57

12.41

$115,693

$66,265

$9,318.96

The Stanford Graduate School of Business

0.58

12.24

$137,525

$79,869

$11,232.12

The Eli Broad College of Business at Michigan State University

0.58

12.22

$102,806

$59,801

$8,409.96

The Olin Business School at Washington University in St. Louis

0.62

11.55

$110,533

$68,047

$9,569.64

The Tepper School of Business at Carnegie Mellon University

0.66

10.77

$131,181

$86,595

$12,178.08

Vanderbilt Owen Graduate School of Management

0.67

10.56

$113,170

$76,205

$10,716.84

The Kellogg School of Management at Northwestern University

0.68

10.52

$135,838

$91,834

$12,914.88

The Kelley School of Business at Indiana University

0.68

10.51

$113,898

$77,038

$10,834.08

The Kenan-Flagler Business School at the University of North Carolina, Chapel Hill

0.69

10.37

$123,526

$84,696

$11,910.96

The Leonard N. Stern School of Business at New York University

0.71

10.00

$131,975

$93,832

$13,195.80

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

The Thunderbird School of Global Management at Arizona State University

0.99

7.17

$84,915

$84,187

$11,839.44

Pepperdine Universitys Graziadio School of Business and Management

1.11

6.42

$80,592

$89,245

$12,550.80

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

MBA Programs Rated A-

MBA Programs Rated B

MBA Programs Not Rated Due to Insufficient Information

*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

A+

MBA PROGRAMS RATED

GRADUATE PROGRAM CREDIT RATING

The Marriott School of Management at Brigham Young


University

Cost & Financing Statistics


Tuition:

$11,280

/year

(LDS member)

$22,560/year
(Non-LDS member)*

A+

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$27,942*

$3,929.52**

95.40%*

$110,216*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#27

#27

Average GMAT

665*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.25

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

28.05

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A+ credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a modest debt burden

Cory Pollock

Strong employment prospects (95% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

MBA PROGRAMS RATED

GRADUATE PROGRAM CREDIT RATING

The Eli Broad College of Business at Michigan State


University

Cost & Financing Statistics


Tuition:

$27,191
$43,135/year
/year

(out of state)

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$59,801*

$8,409.96**

93.30%*

$102,806*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#35

#33

Average GMAT

655*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.58

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

12.22

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (93.30% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$46,000

/year

M7 Financial Graduate
Program Credit Rating

Emory Universitys Goizueta Business School

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$63,979*

$8,997.48**

96.20%*

$124,148*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#20

#18

Average GMAT

681*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.52

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

13.80

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (96.2% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Haas School of Business at the University of California,


Berkeley

Cost & Financing Statistics


Tuition:

$51,412
$53,959/year
/year

(out of state)

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$64,598*

$9,084.60**

91.60%*

$134,078*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#7

#19

Average GMAT

714*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.48

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

14.76

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (91.60% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$56,175

/year

M7 Financial Graduate
Program Credit Rating

Harvard Business School

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$73,926*

$10,396.44**

89.40%*

$138,346*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#1

#8

Average GMAT

727*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.53

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

13.31

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Sound employment prospects (89.40% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Jesse H. Jones Graduate School of Business at Rice


University

Cost & Financing Statistics


Tuition:

$48,500

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$66,265*

$9,318.96**

93.80%*

$115,693*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#33

#25

Average GMAT

676*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.57

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

12.41

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (93.80% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Kelley School of Business at Indiana University

Cost & Financing Statistics


Tuition:

$24,984

/year

$44,460/year
(out of state)

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$77,038*

$10,834.08**

90.30%*

$113,898*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#21

#16

Average GMAT

664*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.68

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

10.51

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (90.30% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Kellogg School of Management at Northwestern


University

Cost & Financing Statistics


Tuition:

$59,085

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$91,834*

$12,914.88**

91.00%*

$135,838*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#6

#7

Average GMAT

713*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.68

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

10.52

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (91.00% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Kenan-Flagler Business School at the University of


North Carolina, Chapel Hill

Cost & Financing Statistics


Tuition:

$31,510

/year

$50,942/year
(out of state)

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$84,696*

$11,910.96**

90.90%*

$123,526*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#19

#12

Average GMAT

683*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.69

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

10.37

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Sound employment prospects (90.90% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Leonard N. Stern School of Business at New York


University

Cost & Financing Statistics


Tuition:

$57,468

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$93,832*

$13,195.80**

93.20%*

$131,975*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#10

#22

Average GMAT

721*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.71

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

10.00

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (93.20% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Mendoza College of Business at the University of


Notre Dame

Cost & Financing Statistics


Tuition:

$45,130

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$61,547*

$8,655.48**

90.40%*

$115,296*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#23

#29

Average GMAT

690*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.53

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

13.32

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Sound employment prospects (90.40% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Michael G. Foster School of Business at the University


of Washington

Cost & Financing Statistics


Tuition:

$27,861
$41,037/year
/year

(out of state)

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$38,394*

$5,399.40**

95.80%*

$118,759*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#25

#37

Average GMAT

670*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.32

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

21.99

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (95.80% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Ohio State University Fisher College of Business

Cost & Financing Statistics


Tuition:

$28,688

/year

$46,352/year
(out of state)

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$41,991*

$5,905.32**

92.00%*

$108,510*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#27

#34

Average GMAT

666*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.39

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

18.37

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (92.00% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Olin Business School at Washington University in


St. Louis

Cost & Financing Statistics


Tuition:

$49,700

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$68,047*

$9,569.64**

96.00%*

$110,533*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#22

#26

Average GMAT

696*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.62

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

11.55

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (96.00% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Simon Business School at the University of Rochester

Cost & Financing Statistics


Tuition:

$49,929

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$38,058*

$5,352.24**

90.90%*

$92,262*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#37

#38

Average GMAT

680*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.41

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

17.24

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (90.90% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$59,550

/year

M7 Financial Graduate
Program Credit Rating

The Stanford Graduate School of Business

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$79,869*

$11,232.12**

89.70%*

$137,525*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#1

#4

Average GMAT

732*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.58

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

12.24

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (89.70% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Tepper School of Business at Carnegie Mellon


University

Cost & Financing Statistics


Tuition:

$56,768

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$86,595*

$12,178.08**

90.50%*

$131,181*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#18

#10

Average GMAT

691*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.66

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

10.77

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Sound employment prospects (90.50% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The University of Texas at Austin McCombs School of


Business

Cost & Financing Statistics


Tuition:

$33,298

/year

$48,832/year
(out of state)

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$70,395*

$9,899.76**

93.40%*

$123,868*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#15

#23

Average GMAT

690*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.57

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

12.51

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (93.40% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Vanderbilt Owen Graduate School of Management

Cost & Financing Statistics


Tuition:

$46,125

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$76,205*

$10,716.84**

92.70%*

$113,170*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#25

#30

Average GMAT

688*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.67

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

10.56

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Strong employment prospects (92.70% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$13,184

/year

$26,678/year
(out of state)

M7 Financial Graduate
Program Credit Rating

The Wisconsin School of Business

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$22,410*

$3,151.56**

88.70%*

$109,293*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#27

#44

Average GMAT

676*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.21

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

34.68

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a modest debt burden

Cory Pollock

Employment prospects not commensurate with an A+ rating (88.70% employed three

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The W.P. Carey School of Business at Arizona State


University

Cost & Financing Statistics


Tuition:

$23,300

/year

/year
$39,150
(out of state)

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$55,887*

$7,859.52**

90.80%*

$103,903*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#27

#67

Average GMAT

673*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.54

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

13.22

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Sound employment prospects (90.80% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

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MBA PROGRAMS RATED

GRADUATE PROGRAM CREDIT RATING

The Carlson School of Management at the University of


Minnesota

Cost & Financing Statistics


Tuition:

$34,230

/year

$45,000/year
(out of state)

A-

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$69,372*

$9,756**

83.80%*

$117,972*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#33

#36

Average GMAT

686*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.59

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

12.09

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Employment prospects not commensurate with an A rating (83.80% employed three

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Carroll School of Management at Boston College

Cost & Financing Statistics


Tuition:

$42,000

/year

A-

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$64,342*

$9,048.60**

83.80%*

$96,915*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#45

#52

Average GMAT

666*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.66

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

10.71

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Employment prospects not commensurate with an A rating (83.80% employed three

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The College of Business at the University of Illinois

Cost & Financing Statistics


Tuition:

$19,976
$29,976/year
/year

(out of state)

A-

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$52,612*

$7,398.96**

84.70%*

$94,751*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#35

#45

Average GMAT

661*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.56

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

12.81

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Employment prospects not commensurate with an A rating (84.70% employed three

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Darden School of Business at the University of Virginia

Cost & Financing Statistics


Tuition:

$48,402

/year

$52,720/year
(out of state)

A-

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$102,968*

$14,480.64**

88.60%*

$136,102*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#11

#20

Average GMAT

706*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.76

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

9.40

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a manageable debt burden

Cory Pollock

Sound employment prospects

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$55,300

/year

A-

M7 Financial Graduate
Program Credit Rating

Duke Universitys Fuqua School of Business

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$108,186*

$15,214.44**

86.90%*

$135,101*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#14

#1

Average GMAT

694*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.80

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

8.88

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a manageable debt burden

Cory Pollock

Employment prospects not commensurate with an A rating (86.90% employed three

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Massachusetts Institute of Technology Sloan School of


Management

Cost & Financing Statistics


Tuition:

$61,152

/year

A-

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$100,512*

$14,135.28**

87.40%*

$137,057*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#5

#14

Average GMAT

713*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.73

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

9.70

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a manageable debt burden

Cory Pollock

Sound employment prospects (87.40% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Samuel Curtis Johnson Graduate School of Management


at Cornell University

Cost & Financing Statistics


Tuition:

$55,948

/year

A-

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$97,500*

$13,711.68**

89.10%*

$129,037*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#17

#13

Average GMAT

691*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.76

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

9.41

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a manageable debt burden

Cory Pollock

Sound employment prospects

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Stephen M. Ross School of Business at the University of


Michigan

Cost & Financing Statistics


Tuition:

$52,200

/year

$57,200/year
(out of state)

A-

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$97,915*

$13,770**

88.70%*

$134,883*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#11

#9

Average GMAT

704*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.73

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

9.80

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a manageable debt burden

Cory Pollock

Sound employment prospects (88.70% employed three months after graduation)

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The University of California, Los Angeles, Anderson School


of Management

Cost & Financing Statistics


Tuition:

$48,722

/year

$55,009/year
(out of state)

A-

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$77,326*

$10,874.52**

84.70%*

$123,353*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#16

#11

Average GMAT

706*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.63

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

11.34

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a very manageable debt burden

Cory Pollock

Employment prospects not commensurate with an A rating (84.70% employed three

cory@m7financial.com

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.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$57,200

/year

A-

M7 Financial Graduate
Program Credit Rating

The Yale School of Management

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$96,341*

$13,548.72**

85.20%*

$126,013*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#13

#6

Average GMAT

714*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.76

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

9.30

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs A- credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a manageable debt burden

Cory Pollock, M7 President

Employment prospects not commensurate with an A rating (85.20% employed three

cory@m7financial.com

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.

Explanation of Ratings

A+
A
A-

Student loan obligations are typically expected to be modest relative to initial career prospects.

Student loan obligations are typically expected to be very manageable relative to initial career prospects.

Student loan obligations are typically expected to be manageable relative to career prospects.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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.

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MBA PROGRAMS RATED

GRADUATE PROGRAM CREDIT RATING

The Thunderbird School of Global Management at Arizona


State University

Cost & Financing Statistics


Tuition:

$33,787

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$84,187*

$11,839.44**

61.40%*

$84,915*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#85

#62

Average GMAT

601*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

0.99

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

7.17

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs B credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a demanding debt burden

Cory Pollock

Employment prospects not commensurate with an A- rating (61.40% employed three

cory@m7financial.com

months after graduation)


Weaker reputation

We would review the programs B credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Pepperdine Universitys Graziadio School of Business and


Management

Cost & Financing Statistics


Tuition:

$43,930

/year

M7 Financial Graduate
Program Credit Rating

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

$89,245*

$12,550.80**

67.50%*

$80,592*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#76

#63

Average GMAT

645*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

1.11

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

6.42

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The programs B credit rating reflects the following:

Please direct all inquiries to:

Credit metrics that indicate a demanding debt burden

Cory Pollock

Employment prospects not commensurate with an A- rating (67.50% employed three

cory@m7financial.com

months after graduation)


Weaker reputation

We would review the programs B credit rating should any significant trends be noted in the
future, such as material changes in enrollment, tuition, debt, reputation, or employment
prospects.

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

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MBA PROGRAMS
NOT RATED
DUE TO INSUFFICIENT
INFORMATION

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$43,970

/year

NR

M7 Financial Graduate
Program Credit Rating

Boston University School of Management

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

89.60%*

$103,291*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#45

#57

Average GMAT

682*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$60,720

/year

NR

M7 Financial Graduate
Program Credit Rating

Columbia Business School

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

90.30%*

$137,654*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#8

#5

Average GMAT

716*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Katz Graduate School of Business at University of


Pittsburgh

Cost & Financing Statistics


Tuition:

$39,812

/year

$53,928/year
(out of state)

NR

M7 Financial Graduate
Program Credit Rating

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

88.40%*

$84,179*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#52

#35

Average GMAT

622*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Robert Emmett McDonough School of Business at


Georgetown University

Cost & Financing Statistics


Tuition:

$50,928

/year

NR

M7 Financial Graduate
Program Credit Rating

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

87.90%*

$118,620*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#23

#24

Average GMAT

688*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Scheller College of Business at Georgia Institute of


Technology

Cost & Financing Statistics


Tuition:

$26,466

/year

$37,332/year
(out of state)

NR

M7 Financial Graduate
Program Credit Rating

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

95.70%*

$108,055*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#27

#28

Average GMAT

678*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

The Tuck School of Business at Dartmouth College

Cost & Financing Statistics


Tuition:

$58,935

/year

NR

M7 Financial Graduate
Program Credit Rating

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

90.80%*

$139,036*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#9

#15

Average GMAT

718*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$58,760

/year

NR

M7 Financial Graduate
Program Credit Rating

University of Chicago Booth School of Business

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

90.80%*

$135,982*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#4

#3

Average GMAT

723*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Cost & Financing Statistics


Tuition:

$50,495

/year

NR

M7 Financial Graduate
Program Credit Rating

USC Marshall School of Business

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

80.20%*

$116,011*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#27

#21

Average GMAT

686*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

GRADUATE PROGRAM CREDIT RATING

Wharton School of the University of Pennsylvania

Cost & Financing Statistics


Tuition:

$59,736

/year

NR

M7 Financial Graduate
Program Credit Rating

(Not Rated)

Employment Statistics

Average Program

Estimated Annual

Percentage of

Average Starting

Related Student

Principal and Interest

Graduates Employed

Salary Plus Bonus For

Indebtedness at

Payments on

Three Months After

Graduates:

Graduation:

Indebtedness:

Graduation:

N/A*

N/A**

93.40%*

$141,243*

Reputational Statistics
U.S. News & World Report
2015 National Program Ranking

Bloomberg Businessweek
2014 National Program Ranking

#1

#2

Average GMAT

725*

Credit Metrics

M7 Graduate
Leverage Ratio

Average Program Related Student


Indebtedness at Graduation

This ratio is an indicator of indebtedness and measures an

(Average Starting Salary + Bonus)

N/A

individuals program related student debt at graduation


relative to annual before-tax income. A higher ratio indicates
a higher level of relative indebtedness.

M7 Graduate
Debt Service
Coverage Ratio

This ratio is an indicator of ability to meet annual debt

(Average Starting Salary + Bonus)

Estimated Annual Principal


and Interest Payments

N/A

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.

GRADUATE PROGRAM CREDIT RATING

Ratings Rationale

Inquiries

The program is not rated as a result of insufficient information.

Please direct all inquiries to:

Cory Pollock
cory@m7financial.com

Explanation of Ratings

A+
A

Student loan obligations are typically expected to be modest relative to initial career prospects.

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.

Student loan obligations are typically expected to be demanding relative to initial career prospects.

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

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