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Private for-profit · COLLEGE PAYOFF

Cosmetology & Spa Academy

⌖ Crystal Lake, IL · 1 reportable field-and-credential outcomes

10-year estimate · Negative payoff

−$425,242 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.

—Modeled economic break-even

−172%Modeled 10-year ROI

$27,159Observed earnings · year 5

Not reachedMaximum annual price for positive 10-year payoff

Includes direct price and earnings forgone while studying. Assumes $45,000 in alternative annual earnings and no wage growth. How we calculate it

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

−$425,242at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$246,8320

−$425,24210

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 tuitionNot available

Sticker price

Published out-of-state tuitionNot available

Sticker price

Average net price$16,708

Title IV student average

Cost of attendance$21,104

Tuition + living budget

COLLEGE AT A GLANCE

Institution details

Current federal characteristics describing the college—not the outcomes of a specific program.

Accreditor: National Accrediting Commission of Career Arts and Sciences
Main award level: Certificates
Campus setting: Suburban
Admissions: Open admission
Delivery: Campus or mixed delivery
Federal designation: No special designation reported

Sources: College Scorecard June 2026 release and IPEDS 2024 institutional characteristics.

OBSERVED FEDERAL MEASURES

Cost, debt, completion and earnings context

$16,708Average net price / year

$21,104Cost of attendance

$7,917Median federal student debt · completer borrowers

$84/moPublished 10-year payment estimate

$27,159Median earnings · year 5 after completion

70.3%Completion rate

Not availableAdmission rate

445Student 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$15,876

$30–48k$16,570

$48–75k$17,431

$75–110k$21,104

$110k+$21,104

LONGER-TERM CONTEXT

What happens beyond the first earnings measure

Year 5$27,159

Year 6$25,231

Year 10$29,779

Full-time retention: 85.1%
Part-time retention: 75.0%
Completion within 200% of normal time: 60.0%

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.

18thEarnings percentile

68thCompletion 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.

$31,208Median year-4 earnings across reportable program categories

$9,833Median federal debt across categories that report debt

100%Of earnings-reporting categories above their same-field national benchmark

EARNINGS PATH

Reported earnings over time

$21,167Year 1

$31,026Year 4

$27,159Year 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.

1Cosmetology and Related Personal Grooming Services · Undergraduate Certificate or Diploma$31,208

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

Strongest relative outcomes

Programs that stand out against the same-degree benchmark

This view rewards performance relative to the same field and credential—not simply majors that pay more everywhere.

1Cosmetology and Related Personal Grooming ServicesUndergraduate Certificate or Diploma · $31,208 reported+19%vs same-degree national median$9,833federal debt

BUILD A REAL SHORTLIST

Comparable colleges in IL

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

Springfield, IL

University of Spa & Cosmetology Arts

Annual net price: $16,000
Observed earnings · year 5: $27,120
Modeled 10-year ROI: -173%

Open college profile →Sycamore, IL

Hair Professionals Career College

Annual net price: $19,133
Observed earnings · year 5: $27,573
Modeled 10-year ROI: -168%

Open college profile →Palos Hills, IL

Hair Professionals Career College

Annual net price: $15,405
Observed earnings · year 5: $24,417
Modeled 10-year ROI: -185%

Open college profile →Oak Lawn, IL

Cameo Beauty Academy

Annual net price: $12,924
Observed earnings · year 5: $26,633
Modeled 10-year ROI: -179%

Open college profile →

ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal field	Credential	Earnings, year 4	Federal debt	2023–24 awards
Cosmetology and Related Personal Grooming Services	Undergraduate Certificate or Diploma	$31,208	$9,833	145

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.