10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$187,980at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Bergen Community College
⌖ Paramus, NJ · 7 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$187,980 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
With these assumptions, the added earnings do not recover the cost within ten years.
66.3 yrsModeled economic break-even
−85%Modeled 10-year ROI
$48,340Observed earnings · year 5
Not reachedMaximum annual price for positive 10-year payoff
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.
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college—not the outcomes of a specific program.
- Accreditor
- Middle States Commission on Higher Education
- Main award level
- Associate degrees
- Campus setting
- Suburban
- Admissions
- Open admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$10,345Average net price / year
$17,184Cost of attendance
$12,000Median federal student debt · completer borrowers
$127/moPublished 10-year payment estimate
$48,340Median earnings · year 5 after completion
20.7%Completion rate
Not availableAdmission rate
10,557Student 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
$32,872Year 1
$51,761Year 4
$48,340Year 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.
1Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Associate's Degree$94,3402Allied Health Diagnostic, Intervention, and Treatment Professions · Associate's Degree$89,6943Allied Health Diagnostic, Intervention, and Treatment Professions · Undergraduate Certificate or Diploma$77,5384Dental Support Services and Allied Professions · Associate's Degree$73,0645Veterinary/Animal Health Technologies/Technicians · Associate's Degree$52,7556Liberal Arts and Sciences, General Studies and Humanities · Associate's Degree$47,8377Hospitality Administration/Management · Associate's Degree$45,558Observed 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.
Carneys Point, NJ
Salem Community College
- Annual net price
- $10,816
- Observed earnings · year 5
- $47,752
- Modeled 10-year ROI
- -88%
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%
Adult and Continuing Education-BCTS
- Annual net price
- $10,588
- Observed earnings · year 5
- $45,468
- Modeled 10-year ROI
- -98%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Associate's Degree | $94,340 | $18,750 | Not reported |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Associate's Degree | $89,694 | $20,000 | Not reported |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Undergraduate Certificate or Diploma | $77,538 | $12,689 | 79 |
| Dental Support Services and Allied Professions | Associate's Degree | $73,064 | $22,382 | Not reported |
| Veterinary/Animal Health Technologies/Technicians | Associate's Degree | $52,755 | $21,000 | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $47,837 | $11,500 | Not reported |
| Hospitality Administration/Management | Associate's Degree | $45,558 | Not available | Not reported |
Awards use first-major IPEDS completions aggregated to the same four-digit field and credential.
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.