Cumberland University
Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.
ROI Summary
Total 4-Year Cost
$111,360
In-state tuition x 4
Earnings Premium
$17,246/yr
vs high school diploma avg
Break-Even Point
6.5 years
After graduation
20-Year ROI
210%
Return on investment
ROI Analysis
Cumberland University's in-state tuition is $27,840. One year after graduation, alumni earn a median of $45,973. Five years after graduation, earnings increase to $52,246, and after ten years, earnings reach $57,687. The median debt for graduates is $17,952.
The debt-to-income ratio is not directly calculable with the provided data. However, the median debt of $17,952 is significantly less than the one-year earnings of $45,973. The provided data does not allow for calculating a break-even timeline.
Generated from College Scorecard & IPEDS data
The Numbers
Annual Tuition (In-State)
$27,840
Median Debt at Graduation
$17,952
Median Earnings (5yr)
$52,246
Graduation Rate
48%
Receive Financial Aid
25%
Avg Aid Amount
$0
Program-Level ROI
| Program | 4yr Cost | Median Earnings (5yr) | Est. 20yr ROI |
|---|---|---|---|
| Liberal Arts and Sciences, General Studies and Humanities. | $111,360 | $0 | N/A |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing. | $111,360 | $66,878 | 473% |
| Business Administration, Management and Operations. | $111,360 | $79,057 | 691% |
| Business/Commerce, General. | $111,360 | $0 | N/A |
| Business Administration, Management and Operations. | $111,360 | $0 | N/A |
| Electrical Engineering Technologies/Technicians. | $111,360 | $0 | N/A |
| Health and Physical Education/Fitness. | $111,360 | $0 | N/A |
| Teacher Education and Professional Development, Specific Subject Areas. | $111,360 | $0 | N/A |
| Liberal Arts and Sciences, General Studies and Humanities. | $111,360 | $0 | N/A |
| Biological and Biomedical Sciences, Other. | $111,360 | $0 | N/A |
| Health and Physical Education/Fitness. | $111,360 | $0 | N/A |
| Criminal Justice and Corrections. | $111,360 | $0 | N/A |
Peer Comparison
Financial Aid Impact
Before Aid
After Aid (Estimated)
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.