10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$24,080at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
College of Our Lady of the Elms
⌖ Chicopee, MA · 11 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$24,080 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.
11.1 yrsModeled economic break-even
−10%Modeled 10-year ROI
$67,610Observed 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, completion and earnings context
$17,545Average net price / year
$54,027Cost of attendance
$67,610Median earnings · year 5 after completion
68.1%Completion rate
85.3%Admission rate
949Student size
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
EARNINGS PATH
Reported earnings over time
$54,579Year 1
$64,421Year 4
$67,610Year 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 · Bachelor's Degree$97,7732Special Education and Teaching · Master's Degree$68,5823Health and Medical Administrative Services · Bachelor's Degree$62,6414Social Work · Bachelor's Degree$60,9385Criminal Justice and Corrections · Bachelor's Degree$56,1686Psychology, General · Bachelor's Degree$46,9767Communication Disorders Sciences and Services · Bachelor's Degree$41,8318Health/Medical Preparatory Programs · Post-baccalaureate Certificate$36,174Observed year-4 earnings · compare like fields and credentials before deciding
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.
Springfield, MA
American International College
- Annual net price
- $23,274
- Observed earnings · year 5
- $70,016
- Modeled 10-year ROI
- -8%
Wellesley College
- Annual net price
- $25,496
- Observed earnings · year 5
- $66,433
- Modeled 10-year ROI
- -24%
Williams College
- Annual net price
- $17,716
- Observed earnings · year 5
- $77,321
- Modeled 10-year ROI
- +29%
Regis College
- Annual net price
- $27,477
- Observed earnings · year 5
- $67,681
- Modeled 10-year ROI
- -22%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $97,773 | $27,000 |
| Special Education and Teaching | Master's Degree | $68,582 | Not available |
| Health and Medical Administrative Services | Bachelor's Degree | $62,641 | $27,000 |
| Social Work | Bachelor's Degree | $60,938 | $31,682 |
| Criminal Justice and Corrections | Bachelor's Degree | $56,168 | Not available |
| Psychology, General | Bachelor's Degree | $46,976 | $27,000 |
| Communication Disorders Sciences and Services | Bachelor's Degree | $41,831 | $27,000 |
| Health/Medical Preparatory Programs | Post-baccalaureate Certificate | $36,174 | $33,000 |
| Education, General | Bachelor's Degree | Not available | $25,000 |
| Biology, General | Bachelor's Degree | Not available | $27,000 |
| Business Administration, Management and Operations | Bachelor's Degree | Not available | $26,000 |
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.