10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$217,672at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Adult and Continuing Education-BCTS
⌖ Hackensack, NJ · 2 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$217,672 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
At these assumptions, the estimated earnings premium does not recover the modeled economic investment within ten years.
475.1 yrsModeled economic break-even
−98%Modeled 10-year ROI
$45,468Observed earnings · year 5
ECONOMIC INVESTMENT → PAYBACK
Estimated payoff over ten years.
The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.
FEDERAL COST DATA
Four ways to read college price.
Annual college-wide figures from the current College Scorecard release. Average net price covers full-time, first-time undergraduates receiving federal aid; public-college figures use in-state students. Program tuition and individual aid offers may differ.
Cost, debt, completion and earnings context
$10,588Average net price / year
$15,891Cost of attendance
$3,608Median federal student debt · completer borrowers
$38/moPublished 10-year payment estimate
$45,468Median earnings · year 5 after completion
91.0%Completion rate
Not availableAdmission rate
106Student size
Institution debt covers federal student-loan borrowers who completed. Parent PLUS and private loans are excluded; missing and privacy-suppressed values remain unavailable.
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
WHAT STANDS OUT
A faster read on this college
These summaries use only reportable field-and-credential records at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS PATH
Reported earnings over time
$29,123Year 1
$47,365Year 4
$45,468Year 5
Separate federal cohorts may underlie different measurement years.
The college average is not the whole story.
Observed earnings vary substantially by field and credential at the same institution.
1Electrical and Power Transmission Installers · Undergraduate Certificate or Diploma$52,0762Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician (HAC, HACR, HVAC, HVACR) · Undergraduate Certificate or Diploma$47,201Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in NJ
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive—not a quality ranking.
Vineland, NJ
Rowan College of South Jersey-Cumberland Campus
- Annual net price
- $10,562
- Observed earnings · year 5
- $46,261
- Modeled 10-year ROI
- -94%
Ocean County College
- Annual net price
- $11,411
- Observed earnings · year 5
- $46,410
- Modeled 10-year ROI
- -94%
Salem Community College
- Annual net price
- $10,816
- Observed earnings · year 5
- $47,752
- Modeled 10-year ROI
- -88%
Rowan College of South Jersey-Gloucester Campus
- Annual net price
- $12,378
- Observed earnings · year 5
- $46,261
- Modeled 10-year ROI
- -95%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Electrical and Power Transmission Installers | Undergraduate Certificate or Diploma | $52,076 | $6,179 |
| Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician (HAC, HACR, HVAC, HVACR) | Undergraduate Certificate or Diploma | $47,201 | Not available |
Earnings, price, completion and enrollment are observed federal measures. ROI, payoff and break-even are modeled scenarios built from those measures and fixed assumptions. College payoff is not the payoff of every degree at this school; use the program table for a more precise comparison.