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Private nonprofit · COLLEGE PAYOFF

Bay Path University

⌖ Longmeadow, MA · 21 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$148,084 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.

26.6 yrsModeled economic break-even

−62%Modeled 10-year ROI

$53,900Observed earnings · year 5

Economic ROI includes direct price and earnings forgone during study · $45,000 comparison earnings · values held flat · see the formula

ECONOMIC INVESTMENT → PAYBACK

Estimated payoff over ten years.

The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.

10-YEAR PAYOFF CURVECumulative economic payoff after graduation

−$148,084at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$237,0840

−$148,08410

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.

Published in-state tuition$38,302

Sticker price

Published out-of-state tuition$38,302

Sticker price

Average net price$14,271

Title IV student average

Cost of attendance$47,308

Tuition + living budget

OBSERVED FEDERAL MEASURES

Cost, debt, completion and earnings context

$14,271Average net price / year

$47,308Cost of attendance

$24,901Median federal student debt · completer borrowers

$264/moPublished 10-year payment estimate

$53,900Median earnings · year 5 after completion

43.9%Completion rate

85.2%Admission rate

1,108Student size

Institution debt covers federal student-loan borrowers who completed. Parent PLUS and private loans are excluded; missing and privacy-suppressed values remain unavailable.

PRICE BY FAMILY INCOME

Average net price is not one price

Federal averages for aided students in each family-income band. Your aid offer can differ.

$0–30k$11,948

$30–48k$12,251

$48–75k$12,698

$75–110k$17,528

$110k+$25,475

LONGER-TERM CONTEXT

What happens beyond the first earnings measure

Year 5$53,900

Year 6$51,548

Year 10$55,383

Full-time retention: 72.8%
Part-time retention: Not available
Completion within 200% of normal time: 54.3%

Earnings timepoints may use different historical cohorts and should not be read as one group’s guaranteed salary growth.

NATIONAL CONTEXT

How this college compares

Percentiles compare this institution with currently operating colleges that report the same federal measure.

70thEarnings percentile

29thCompletion percentile

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.

$65,018Median year-4 earnings across reportable program categories

$29,401Median federal debt across categories that report debt

45%Of earnings-reporting categories above their same-field national benchmark

EARNINGS PATH

Reported earnings over time

$46,059Year 1

$62,912Year 4

$53,900Year 5

Separate federal cohorts may underlie different measurement years.

PROGRAM PAYOFF SPREAD

The college average is not the whole story.

Observed earnings vary substantially by field and credential at the same institution.

1Allied Health Diagnostic, Intervention, and Treatment Professions · Master's Degree$147,567 2Accounting and Related Services · Master's Degree$95,772 3Business Administration, Management and Operations · Master's Degree$90,125 4Mental and Social Health Services and Allied Professions · Master's Degree$79,114 5Clinical, Counseling and Applied Psychology · Master's Degree$76,036 6Business Administration, Management and Operations · Bachelor's Degree$74,912 7Education, General · Master's Degree$74,030 8Rehabilitation and Therapeutic Professions · Master's Degree$73,240

Observed year-4 earnings · compare like fields and credentials before deciding

BUILD A REAL SHORTLIST

Comparable colleges in MA

Currently operating private nonprofit institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive—not a quality ranking.

Boston, MA

Benjamin Franklin Cummings Institute of Technology

Annual net price: $15,488
Observed earnings · year 5: $58,885
Modeled 10-year ROI: -43%

Open college profile →Wenham, MA

Gordon College

Annual net price: $24,883
Observed earnings · year 5: $53,021
Modeled 10-year ROI: -71%

Open college profile →South Hadley, MA

Mount Holyoke College

Annual net price: $26,441
Observed earnings · year 5: $54,985
Modeled 10-year ROI: -65%

Open college profile →Northampton, MA

Smith College

Annual net price: $27,579
Observed earnings · year 5: $54,422
Modeled 10-year ROI: -68%

Open college profile →

ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal field	Credential	Earnings, year 4	Federal debt
Allied Health Diagnostic, Intervention, and Treatment Professions	Master's Degree	$147,567	Not available
Accounting and Related Services	Master's Degree	$95,772	Not available
Business Administration, Management and Operations	Master's Degree	$90,125	Not available
Mental and Social Health Services and Allied Professions	Master's Degree	$79,114	Not available
Clinical, Counseling and Applied Psychology	Master's Degree	$76,036	Not available
Business Administration, Management and Operations	Bachelor's Degree	$74,912	$32,015
Education, General	Master's Degree	$74,030	Not available
Rehabilitation and Therapeutic Professions	Master's Degree	$73,240	Not available
Management Information Systems and Services	Master's Degree	$72,441	Not available
Computer and Information Sciences, General	Bachelor's Degree	$68,194	$30,122
Health Services/Allied Health/Health Sciences, General	Bachelor's Degree	$65,018	$35,320
Curriculum and Instruction	Master's Degree	$59,957	Not available
Security Science and Technology	Bachelor's Degree	$56,262	$29,113
Biology, General	Bachelor's Degree	$55,827	$27,000
Psychology, General	Bachelor's Degree	$53,682	$29,162
Non-Professional Legal Studies	Bachelor's Degree	$48,575	$27,491
Teacher Education and Professional Development, Specific Levels and Methods	Bachelor's Degree	$48,431	$27,250
Education, General	Bachelor's Degree	$47,941	Not available
Research and Experimental Psychology	Bachelor's Degree	$47,544	$29,401
Liberal Arts and Sciences, General Studies and Humanities	Bachelor's Degree	$37,411	$29,572
Accounting and Related Services	Bachelor's Degree	Not available	$31,472

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.