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Private for-profit · COLLEGE PAYOFF

Empire Beauty School-Owings Mills

⌖ Owings Mills, MD · 1 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$476,028 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.

—Modeled economic break-even

−195%Modeled 10-year ROI

$21,796Observed 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

−$476,028at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$243,9880

−$476,02810

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$15,997

Title IV student average

Cost of attendance$21,165

Tuition + living budget

OBSERVED FEDERAL MEASURES

Cost, debt, completion and earnings context

$15,997Average net price / year

$21,165Cost of attendance

$13,000Median federal student debt · completer borrowers

$138/moPublished 10-year payment estimate

$21,796Median earnings · year 5 after completion

38.6%Completion rate

Not availableAdmission rate

121Student 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$15,377

$30–48k$14,765

$48–75k$17,223

$75–110k$20,150

$110k+$21,165

LONGER-TERM CONTEXT

What happens beyond the first earnings measure

Year 5$21,796

Year 6$19,285

Year 10$25,073

Full-time retention: 57.5%
Part-time retention: 62.5%
Completion within 200% of normal time: 36.7%

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.

8thEarnings percentile

22thCompletion 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.

$27,011Median year-4 earnings across reportable program categories

$13,583Median federal debt across categories that report debt

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

EARNINGS PATH

Reported earnings over time

$16,480Year 1

$26,908Year 4

$21,796Year 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$27,011

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

BUILD A REAL SHORTLIST

Comparable colleges in MD

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.

Glen Burnie, MD

Empire Beauty School-Glen Burnie

Annual net price: $16,199
Observed earnings · year 5: $21,796
Modeled 10-year ROI: -195%

Open college profile →Baltimore, MD

Maryland Beauty Academy of Essex

Annual net price: $16,374
Observed earnings · year 5: $22,613
Modeled 10-year ROI: -191%

Open college profile →Baltimore, MD

Montgomery Beauty School-Baltimore Beauty & Barber School

Annual net price: $19,047
Observed earnings · year 5: $21,387
Modeled 10-year ROI: -192%

Open college profile →Laurel, MD

Aspen Beauty Academy of Laurel

Annual net price: $17,011
Observed earnings · year 5: $25,315
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
Cosmetology and Related Personal Grooming Services	Undergraduate Certificate or Diploma	$27,011	$13,583

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.