10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$86,312at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Hobart William Smith Colleges
⌖ Geneva, NY · 16 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$86,312 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.
13.9 yrsModeled economic break-even
−28%Modeled 10-year ROI
$66,994Observed 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
$31,563Average net price / year
$82,602Cost of attendance
$66,994Median earnings · year 5 after completion
77.3%Completion rate
64.0%Admission rate
1,786Student 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
$40,668Year 1
$70,017Year 4
$66,994Year 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.
1Economics · Bachelor's Degree$111,8332Computer and Information Sciences, General · Bachelor's Degree$103,8223Political Science and Government · Bachelor's Degree$79,7784International Relations and National Security Studies · Bachelor's Degree$77,9775Communication and Media Studies · Bachelor's Degree$73,6506Rhetoric and Composition/Writing Studies · Bachelor's Degree$68,5227Architecture and Related Services, Other · Bachelor's Degree$68,3418Sociology · Bachelor's Degree$67,556Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in NY
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.
Rochester, NY
St. John Fisher University
- Annual net price
- $28,945
- Observed earnings · year 5
- $66,453
- Modeled 10-year ROI
- -27%
Siena University
- Annual net price
- $33,733
- Observed earnings · year 5
- $69,406
- Modeled 10-year ROI
- -23%
Iona University
- Annual net price
- $29,188
- Observed earnings · year 5
- $69,867
- Modeled 10-year ROI
- -16%
St. John's University-New York
- Annual net price
- $29,999
- Observed earnings · year 5
- $71,559
- Modeled 10-year ROI
- -11%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Economics | Bachelor's Degree | $111,833 | $27,000 |
| Computer and Information Sciences, General | Bachelor's Degree | $103,822 | $27,000 |
| Political Science and Government | Bachelor's Degree | $79,778 | $27,000 |
| International Relations and National Security Studies | Bachelor's Degree | $77,977 | $26,000 |
| Communication and Media Studies | Bachelor's Degree | $73,650 | $27,000 |
| Rhetoric and Composition/Writing Studies | Bachelor's Degree | $68,522 | Not available |
| Architecture and Related Services, Other | Bachelor's Degree | $68,341 | $26,750 |
| Sociology | Bachelor's Degree | $67,556 | $26,500 |
| Biology, General | Bachelor's Degree | $62,737 | $27,000 |
| Natural Resources Conservation and Research | Bachelor's Degree | $61,905 | $27,000 |
| History | Bachelor's Degree | $60,616 | $27,000 |
| Area Studies | Bachelor's Degree | $60,381 | $24,250 |
| Psychology, General | Bachelor's Degree | $59,317 | $27,000 |
| English Language and Literature, General | Bachelor's Degree | $55,440 | $27,000 |
| Philosophy | Bachelor's Degree | $40,284 | $27,000 |
| Education, General | Bachelor's Degree | Not available | $27,000 |
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.