10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$222,372at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Holyoke Community College
⌖ Holyoke, MA · 18 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$222,372 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
−105%Modeled 10-year ROI
$43,990Observed 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, debt, completion and earnings context
$8,068Average net price / year
$15,043Cost of attendance
$8,250Median federal student debt · completer borrowers
$87/moPublished 10-year payment estimate
$43,990Median earnings · year 5 after completion
29.4%Completion rate
Not availableAdmission rate
3,591Student size
Institution debt covers federal student-loan borrowers who completed. Parent PLUS and private loans are excluded; missing and privacy-suppressed values remain unavailable.
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
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.
EARNINGS PATH
Reported earnings over time
$34,858Year 1
$46,724Year 4
$43,990Year 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.
1Practical Nursing, Vocational Nursing and Nursing Assistants · Undergraduate Certificate or Diploma$88,0672Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Associate's Degree$84,2643Engineering, General · Associate's Degree$75,2674Business Administration, Management and Operations · Associate's Degree$59,3785Computer Programming · Associate's Degree$52,6186Social Work · Associate's Degree$51,6907Health Services/Allied Health/Health Sciences, General · Associate's Degree$50,9538Community Organization and Advocacy · Undergraduate Certificate or Diploma$47,136Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in MA
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive—not a quality ranking.
Greenfield, MA
Greenfield Community College
- Annual net price
- $7,679
- Observed earnings · year 5
- $44,881
- Modeled 10-year ROI
- -101%
Massasoit Community College
- Annual net price
- $8,460
- Observed earnings · year 5
- $45,532
- Modeled 10-year ROI
- -98%
Bristol Community College
- Annual net price
- $5,547
- Observed earnings · year 5
- $43,979
- Modeled 10-year ROI
- -105%
Southeastern Technical Institute
- Annual net price
- $7,060
- Observed earnings · year 5
- $46,106
- Modeled 10-year ROI
- -95%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Practical Nursing, Vocational Nursing and Nursing Assistants | Undergraduate Certificate or Diploma | $88,067 | Not available |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Associate's Degree | $84,264 | $20,880 |
| Engineering, General | Associate's Degree | $75,267 | $8,907 |
| Business Administration, Management and Operations | Associate's Degree | $59,378 | $9,200 |
| Computer Programming | Associate's Degree | $52,618 | $10,700 |
| Social Work | Associate's Degree | $51,690 | $10,075 |
| Health Services/Allied Health/Health Sciences, General | Associate's Degree | $50,953 | $11,930 |
| Community Organization and Advocacy | Undergraduate Certificate or Diploma | $47,136 | $5,988 |
| Criminal Justice and Corrections | Associate's Degree | $46,250 | $5,658 |
| Hospitality Administration/Management | Associate's Degree | $46,186 | Not available |
| Health and Medical Administrative Services | Undergraduate Certificate or Diploma | $43,692 | Not available |
| Veterinary/Animal Health Technologies/Technicians | Associate's Degree | $43,182 | Not available |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $41,607 | $8,995 |
| Allied Health and Medical Assisting Services | Undergraduate Certificate or Diploma | $41,345 | Not available |
| Biology, General | Associate's Degree | $39,198 | $5,300 |
| Culinary Arts and Related Services | Undergraduate Certificate or Diploma | $39,070 | Not available |
| Human Development, Family Studies, and Related Services | Associate's Degree | $37,024 | Not available |
| Fine and Studio Arts | Associate's Degree | $34,441 | Not available |
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.