10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$228,472at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Massachusetts College of Liberal Arts
⌖ North Adams, MA · 11 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$228,472 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.
154.6 yrsModeled economic break-even
−94%Modeled 10-year ROI
$46,580Observed 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.
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college—not the outcomes of a specific program.
- Accreditor
- New England Commission on Higher Education
- Main award level
- Bachelor’s degrees
- Campus setting
- Town
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$16,068Average net price / year
$26,026Cost of attendance
$23,750Median federal student debt · completer borrowers
$252/moPublished 10-year payment estimate
$46,580Median earnings · year 5 after completion
55.6%Completion rate
89.7%Admission rate
713Student 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
$35,271Year 1
$48,835Year 4
$46,580Year 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.
1Computer and Information Sciences, General · Bachelor's Degree$87,6712Education, General · Master's Degree$60,6643Business Administration, Management and Operations · Bachelor's Degree$53,7534Biology, General · Bachelor's Degree$52,8085Psychology, General · Bachelor's Degree$49,8266Multi/Interdisciplinary Studies, Other · Bachelor's Degree$47,1627Sociology · Bachelor's Degree$44,1368Arts, Entertainment, and Media Management · Bachelor's Degree$42,983Observed 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.
Pittsfield, MA
Berkshire Community College
- Annual net price
- $9,921
- Observed earnings · year 5
- $45,807
- Modeled 10-year ROI
- -96%
Roxbury Community College
- Annual net price
- $12,244
- Observed earnings · year 5
- $49,993
- Modeled 10-year ROI
- -78%
Massachusetts College of Art and Design
- Annual net price
- $24,100
- Observed earnings · year 5
- $46,425
- Modeled 10-year ROI
- -95%
Massasoit Community College
- Annual net price
- $8,460
- Observed earnings · year 5
- $45,532
- Modeled 10-year ROI
- -98%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Computer and Information Sciences, General | Bachelor's Degree | $87,671 | $22,500 | Not reported |
| Education, General | Master's Degree | $60,664 | Not available | 5 |
| Business Administration, Management and Operations | Bachelor's Degree | $53,753 | $25,750 | 0 |
| Biology, General | Bachelor's Degree | $52,808 | Not available | Not reported |
| Psychology, General | Bachelor's Degree | $49,826 | $25,824 | Not reported |
| Multi/Interdisciplinary Studies, Other | Bachelor's Degree | $47,162 | $26,000 | Not reported |
| Sociology | Bachelor's Degree | $44,136 | $27,000 | Not reported |
| Arts, Entertainment, and Media Management | Bachelor's Degree | $42,983 | $25,000 | Not reported |
| English Language and Literature, General | Bachelor's Degree | $39,955 | $26,000 | Not reported |
| Education, General | Bachelor's Degree | Not available | $25,000 | Not reported |
| Health Services/Allied Health/Health Sciences, General | Bachelor's Degree | Not available | $26,000 | Not reported |
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.