10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$196,096at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Smith College
⌖ Northampton, MA · 20 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$196,096 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.
30.8 yrsModeled economic break-even
−68%Modeled 10-year ROI
$54,422Observed 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
$27,579Average net price / year
$86,030Cost of attendance
$54,422Median earnings · year 5 after completion
89.0%Completion rate
21.0%Admission rate
2,544Student 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
$32,340Year 1
$57,618Year 4
$54,422Year 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$88,0672Engineering, General · Bachelor's Degree$86,2623Social Work · Master's Degree$68,9274Political Science and Government · Bachelor's Degree$68,9165Biology, General · Bachelor's Degree$63,1336Education, General · Master's Degree$60,1257Sociology · Bachelor's Degree$58,6648Romance Languages, Literatures, and Linguistics · Bachelor's Degree$58,304Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in MA
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.
South Hadley, MA
Mount Holyoke College
- Annual net price
- $26,441
- Observed earnings · year 5
- $54,985
- Modeled 10-year ROI
- -65%
Lasell University
- Annual net price
- $27,511
- Observed earnings · year 5
- $57,604
- Modeled 10-year ROI
- -57%
Fisher College
- Annual net price
- $26,649
- Observed earnings · year 5
- $52,092
- Modeled 10-year ROI
- -75%
Springfield College
- Annual net price
- $30,587
- Observed earnings · year 5
- $55,341
- Modeled 10-year ROI
- -66%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Economics | Bachelor's Degree | $88,067 | $19,000 |
| Engineering, General | Bachelor's Degree | $86,262 | $19,000 |
| Social Work | Master's Degree | $68,927 | Not available |
| Political Science and Government | Bachelor's Degree | $68,916 | $19,000 |
| Biology, General | Bachelor's Degree | $63,133 | $19,000 |
| Education, General | Master's Degree | $60,125 | Not available |
| Sociology | Bachelor's Degree | $58,664 | $19,000 |
| Romance Languages, Literatures, and Linguistics | Bachelor's Degree | $58,304 | $19,000 |
| Sports, Kinesiology, and Physical Education/Fitness | Master's Degree | $57,262 | Not available |
| English Language and Literature, General | Bachelor's Degree | $52,938 | $19,000 |
| Research and Experimental Psychology | Bachelor's Degree | $51,267 | $19,000 |
| Area Studies | Bachelor's Degree | $51,131 | $19,000 |
| Natural Resources Conservation and Research | Bachelor's Degree | $48,183 | $18,820 |
| History | Bachelor's Degree | $46,960 | $19,000 |
| Ethnic, Cultural Minority, Gender, and Group Studies | Bachelor's Degree | $46,136 | $19,000 |
| Fine and Studio Arts | Bachelor's Degree | $43,354 | $19,000 |
| Computer Science | Bachelor's Degree | Not available | $19,000 |
| Education, General | Bachelor's Degree | Not available | $19,000 |
| Neurobiology and Neurosciences | Bachelor's Degree | Not available | $19,000 |
| Mathematics | Bachelor's Degree | Not available | $18,181 |
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.