Carlow University ROI Analysis
Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.
ROI Summary
Total 4-Year Cost
$138,008
In-state tuition x 4
Earnings Premium
$9,876/yr
above high school diploma avg
Break-Even Point
14 years
After graduation
20-Year ROI
43%
Return on investment
ROI Analysis
One year after graduation, Carlow University graduates earn a median of $60,011, which is higher than the in-state tuition cost of $34,502. However, five years after graduation, earnings decrease to $44,876. Ten years after graduation, earnings increase to $51,051. The median debt for graduates is $25,500, and 68.4% of students receive financial aid.
The debt-to-income ratio can be calculated by dividing the median debt by the one-year earnings. Based on the provided data, the debt-to-income ratio is approximately 0.42. This means that the median debt is about 42% of the graduates' one-year earnings.
To calculate the break-even timeline, divide the median debt by the difference between one-year earnings and in-state tuition. Based on the data, the break-even timeline is approximately 1.2 years.
Generated from College Scorecard & IPEDS data
The Numbers
Annual Tuition (In-State)
$34,502
Median Debt at Graduation
$25,500
Median Earnings (5yr)
$44,876
Graduation Rate
56%
Receive Financial Aid
68%
Avg Aid Amount
N/A
Program-Level ROI
| Program | Median Earnings (5yr) | Est. 20yr ROI |
|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | $102,404 | 877% |
| Business Administration, Management and Operations | $81,455 | 573% |
| Psychology, General | $36,689 | -76% |
| Mental and Social Health Services and Allied Professions | $46,989 | 74% |
| Allied Health Diagnostic, Intervention, and Treatment Professions | $0 | N/A |
| Biology, General | $44,547 | 38% |
| Teacher Education and Professional Development, Specific Levels and Methods | $42,127 | 3% |
| Security Science and Technology | $70,658 | 417% |
| Bioethics/Medical Ethics | $79,173 | 540% |
| Health and Medical Administrative Services | $52,943 | 160% |
| Rhetoric and Composition/Writing Studies | $0 | N/A |
| Social Work | $41,909 | 0% |
Peer Comparison
Financial Aid Impact
Before Aid
After Aid (Estimated)
Frequently Asked Questions
Methodology
ROI calculations are based on data from the U.S. Department of Education College Scorecard. The earnings premium is calculated as the difference between median graduate earnings and the national average earnings for high school diploma holders ($35,000).
The 20-year ROI formula: ((Earnings Premium x 20) - Total Cost) / Total Cost x 100. Break-even point: Total Cost / Annual Earnings Premium. All figures use in-state tuition and do not account for inflation, opportunity cost, or financial aid variations.