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Private nonprofit · COLLEGE PAYOFF

Carlow University

⌖ Pittsburgh, PA · 14 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$105,104 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.

16.7 yrsModeled economic break-even
−40%Modeled 10-year ROI
$60,804Observed 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
−$105,104at year 10
Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
−$263,1440
2
4
6
8
−$105,10410
Years after graduationBreak-even: 16.7 years
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$35,874
Sticker price
Published out-of-state tuition$35,874
Sticker price
Average net price$20,786
Title IV student average
Cost of attendance$49,327
Tuition + living budget
PRICE SOURCECollege reported · annual amount · federal dataset
OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$20,786Average net price / year
$49,327Cost of attendance
$60,804Median earnings · year 5 after completion
59.9%Completion rate
87.0%Admission rate
1,348Student size
NATIONAL CONTEXT

How this college compares

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

81thEarnings percentile
52thCompletion percentile
EARNINGS PATH

Reported earnings over time

$60,011Year 1
$67,381Year 4
$60,804Year 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.

1Biology, General · Bachelor's Degree$134,6772Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Master's Degree$110,8453Health Professions Education, Ethics, and Humanities · Master's Degree$108,6214Security Science and Technology · Master's Degree$95,3685Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$86,2586Business Administration, Management and Operations · Master's Degree$82,7397Accounting and Related Services · Bachelor's Degree$76,0998Business Administration, Management and Operations · Bachelor's Degree$65,696

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

BUILD A REAL SHORTLIST

Comparable colleges in PA

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.

Reading, PA

Albright College

Annual net price
$20,024
Observed earnings · year 5
$59,794
Modeled 10-year ROI
-43%
Open college profile →Cresson, PA

Mount Aloysius College

Annual net price
$22,344
Observed earnings · year 5
$61,657
Modeled 10-year ROI
-38%
Open college profile →York, PA

York College of Pennsylvania

Annual net price
$18,556
Observed earnings · year 5
$61,800
Modeled 10-year ROI
-34%
Open college profile →Allentown, PA

Cedar Crest College

Annual net price
$18,659
Observed earnings · year 5
$62,081
Modeled 10-year ROI
-33%
Open college profile →
ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal fieldCredentialEarnings, year 4Federal debt
Biology, GeneralBachelor's Degree$134,677$27,000
Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingMaster's Degree$110,845Not available
Health Professions Education, Ethics, and HumanitiesMaster's Degree$108,621Not available
Security Science and TechnologyMaster's Degree$95,368Not available
Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingBachelor's Degree$86,258$28,500
Business Administration, Management and OperationsMaster's Degree$82,739Not available
Accounting and Related ServicesBachelor's Degree$76,099$26,500
Business Administration, Management and OperationsBachelor's Degree$65,696$27,351
Mental and Social Health Services and Allied ProfessionsMaster's Degree$57,187Not available
Social WorkBachelor's Degree$47,486Not available
Psychology, GeneralBachelor's Degree$44,786$29,552
Teacher Education and Professional Development, Specific Levels and MethodsBachelor's Degree$42,498$27,000
Health and Medical Administrative ServicesBachelor's DegreeNot available$39,000
Allied Health Diagnostic, Intervention, and Treatment ProfessionsBachelor's DegreeNot available$36,875

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.