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Private nonprofit · COLLEGE PAYOFF

Mid-Atlantic Christian University

⌖ Elizabeth City, NC · 2 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$255,362 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

−101%Modeled 10-year ROI

$44,795Observed 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

−$255,362at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$253,3120

−$255,36210

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 tuition$17,280

Sticker price

Published out-of-state tuition$17,280

Sticker price

Average net price$18,328

Title IV student average

Cost of attendance$33,011

Tuition + living budget

OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$18,328Average net price / year

$33,011Cost of attendance

$44,795Median earnings · year 5 after completion

20.8%Completion rate

62.2%Admission rate

132Student size

NATIONAL CONTEXT

How this college compares

Percentiles compare this institution with currently operating colleges that report the same federal measure.

48thEarnings percentile

5thCompletion percentile

EARNINGS PATH

Reported earnings over time

$23,986Year 1

Not availableYear 4

$44,795Year 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.

1Missions/Missionary Studies and Missiology · Bachelor's Degree$32,383 2Bible/Biblical Studies · Bachelor's Degree$26,873

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

BUILD A REAL SHORTLIST

Comparable colleges in NC

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.

Winston-Salem, NC

Salem College

Annual net price: $18,277
Observed earnings · year 5: $43,440
Modeled 10-year ROI: -106%

Open college profile →Salisbury, NC

Catawba College

Annual net price: $17,879
Observed earnings · year 5: $46,080
Modeled 10-year ROI: -96%

Open college profile →Greensboro, NC

Greensboro College

Annual net price: $17,882
Observed earnings · year 5: $46,189
Modeled 10-year ROI: -95%

Open college profile →Mars Hill, NC

Mars Hill University

Annual net price: $19,910
Observed earnings · year 5: $44,276
Modeled 10-year ROI: -103%

Open college profile →

ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal field	Credential	Earnings, year 4	Federal debt
Missions/Missionary Studies and Missiology	Bachelor's Degree	$32,383	Not available
Bible/Biblical Studies	Bachelor's Degree	$26,873	$23,422

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.