10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$350,844at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Seminary Bnos Chaim
⌖ Lakewood, NJ · 1 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$350,844 over 10 years
Modeled from observed year-4 institution earnings and the institution-wide average net price over four years.
With these assumptions, the added earnings do not recover the cost within ten years.
Not availableModeled economic break-even
−131%Modeled 10-year ROI
$36,776Observed earnings · year 4
Not reachedMaximum annual price for positive 10-year payoff
What the numbers say about Seminary Bnos Chaim
What does Seminary Bnos Chaim cost?
Seminary Bnos Chaim reports an average annual net price of $22,151 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Seminary Bnos Chaim graduates earn?
The observed median earnings figure is $36,776 4 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Seminary Bnos Chaim graduates have?
Median federal debt for completer borrowers is not reportable in the current record.
Is every degree at Seminary Bnos Chaim worth the same?
No. DegreeVerdict currently shows 1 field-and-credential outcomes at Seminary Bnos Chaim; reported earnings and debt can differ substantially by program category.
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.
PRICE SENSITIVITY
The price can change the verdict.
Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.
← Negative payoff$0Positive payoff →
$0Annual price−$262,240
$8,000Annual price−$294,240
$16,000Annual price−$326,240
$22,000Current college-wide context−$350,240
$24,000Annual price−$358,240
$32,000Annual price−$390,240
$40,000Annual price−$422,240
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Association of Institutions of Jewish Studies
- Main award level
- Certificates
- Campus setting
- City
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$22,151Average net price / year
$28,911Cost of attendance
Not availableMedian federal student debt · completer borrowers
Not availablePublished 10-year payment estimate
$36,776Median earnings · year 4 after completion
93.5%Completion rate
43.6%Admission rate
182Student 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
$30,730Year 1
$36,776Year 4
Not availableYear 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.
1Teacher Education and Professional Development, Specific Subject Areas · Associate's Degree$37,043Observed year-4 earnings · compare like fields and credentials before deciding
Programs that stand out against the same-degree benchmark
This view rewards performance relative to the same field and credential, not simply majors that pay more everywhere.
Comparable colleges in NJ
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.
Newark, NJ
Pillar College
- Annual net price
- $8,470
- Observed earnings · year 5
- $42,951
- Modeled 10-year ROI
- -110%
Georgian Court University
- Annual net price
- $19,285
- Observed earnings · year 5
- $55,726
- Modeled 10-year ROI
- -58%
Centenary University
- Annual net price
- $20,503
- Observed earnings · year 5
- $57,159
- Modeled 10-year ROI
- -54%
Caldwell University
- Annual net price
- $24,691
- Observed earnings · year 5
- $56,473
- Modeled 10-year ROI
- -59%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Teacher Education and Professional Development, Specific Subject Areas | Associate's Degree | $37,043 | Not available | 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.