FREOPP 2021 earnings · IPEDS 2023 cost · BEA 2023 cost-of-living · Mississippi four-year schools, resident pricing · real-earnings-coverage only · every school shown is NPV-positive.

1 Mississippi University for Women · Columbus · public +$1.65M
2 Mississippi State University · Mississippi State · public +$1.56M
3 University of Mississippi · University · public +$1.37M
4 University of Southern Mississippi · Hattiesburg · public +$742K
5 Alcorn State University · Alcorn State · public +$640K
6 Mississippi College · Clinton · private +$562K
7 William Carey University · Hattiesburg · private +$533K
8 Belhaven University · Jackson · private +$440K
9 Jackson State University · Jackson · public +$216K

How this is computed (and what it isn’t)

For each school we run the /worth-it calculator with the home state set to Mississippi — resident tuition, plus foregone wages, capitalized loan interest, and BEA cost-of-living on the skip-college path. The ranking is the 30-year projected net value of going vs. skipping and investing the difference. It ranks schools, not majors — and the major you pick swings that payoff by over a million dollars on its own.

What it isn’t: a list of “good schools.” It’s a list of good trades at resident pricing. Schools without real FREOPP earnings coverage are excluded rather than estimated; institutions whose earnings roll up from fewer than 3 reported programs are excluded as too thin to rank; schools verified closed since the IPEDS 2023-24 vintage are excluded by hand. Only NPV-positive schools are listed — the point is where the value is, not naming losers.