10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$485,410at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Spa Tech Institute-Westboro
⌖ Westborough, MA · 2 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$485,410 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
−166%Modeled 10-year ROI
$25,727Observed 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
- National Accrediting Commission of Career Arts and Sciences
- Main award level
- Certificates
- Campus setting
- Suburban
- Admissions
- Open admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$28,170Average net price / year
$30,722Cost of attendance
$6,333Median federal student debt · completer borrowers
$67/moPublished 10-year payment estimate
$25,727Median earnings · year 5 after completion
77.3%Completion rate
Not availableAdmission 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
$21,382Year 1
$32,586Year 4
$25,727Year 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.
1Cosmetology and Related Personal Grooming Services · Undergraduate Certificate or Diploma$33,4292Somatic Bodywork and Related Therapeutic Services · Undergraduate Certificate or Diploma$31,540Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in MA
Currently operating private for-profit institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive—not a quality ranking.
Plymouth, MA
Spa Tech Institute-Plymouth
- Annual net price
- $31,895
- Observed earnings · year 5
- $25,727
- Modeled 10-year ROI
- -163%
EINE Inc
- Annual net price
- $22,951
- Observed earnings · year 5
- $30,486
- Modeled 10-year ROI
- -153%
COLLECTIV Academy-Worcester
- Annual net price
- $24,598
- Observed earnings · year 5
- $32,304
- Modeled 10-year ROI
- -146%
Spa Tech Institute-North Andover
- Annual net price
- $38,758
- Observed earnings · year 5
- $25,727
- Modeled 10-year ROI
- -158%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Cosmetology and Related Personal Grooming Services | Undergraduate Certificate or Diploma | $33,429 | $7,117 | Not reported |
| Somatic Bodywork and Related Therapeutic Services | Undergraduate Certificate or Diploma | $31,540 | $8,127 | 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.