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Private nonprofit · COLLEGE PAYOFF

Springfield College

⌖ Springfield, MA · 23 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$198,938 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.

29.2 yrsModeled economic break-even
−66%Modeled 10-year ROI
$55,341Observed 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
−$198,938at year 10
Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
−$302,3480
2
4
6
8
−$198,93810
Years after graduationBreak-even: 29.2 years
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$45,174
Sticker price
Published out-of-state tuition$45,174
Sticker price
Average net price$30,587
Title IV student average
Cost of attendance$60,729
Tuition + living budget
PRICE SOURCECollege reported · annual amount · federal dataset
OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$30,587Average net price / year
$60,729Cost of attendance
$55,341Median earnings · year 5 after completion
74.2%Completion rate
71.9%Admission rate
1,751Student size
NATIONAL CONTEXT

How this college compares

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

73thEarnings percentile
74thCompletion percentile
EARNINGS PATH

Reported earnings over time

$38,460Year 1
$60,428Year 4
$55,341Year 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.

1Allied Health Diagnostic, Intervention, and Treatment Professions · Master's Degree$152,5542Biological and Biomedical Sciences, Other · Bachelor's Degree$89,1403Allied Health Diagnostic, Intervention, and Treatment Professions · Bachelor's Degree$86,0564Rehabilitation and Therapeutic Professions · Doctoral Degree$84,3905Health Services/Allied Health/Health Sciences, General · Bachelor's Degree$76,4176Business/Commerce, General · Bachelor's Degree$71,8077Student Counseling and Personnel Services · Master's Degree$70,0468Education, General · Master's Degree$69,601

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

BUILD A REAL SHORTLIST

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.

Boston, MA

Cambridge College

Annual net price
$31,072
Observed earnings · year 5
$57,105
Modeled 10-year ROI
-60%
Open college profile →Cambridge, MA

Lesley University

Annual net price
$31,152
Observed earnings · year 5
$52,205
Modeled 10-year ROI
-76%
Open college profile →Northampton, MA

Smith College

Annual net price
$27,579
Observed earnings · year 5
$54,422
Modeled 10-year ROI
-68%
Open college profile →South Hadley, MA

Mount Holyoke College

Annual net price
$26,441
Observed earnings · year 5
$54,985
Modeled 10-year ROI
-65%
Open college profile →
ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal fieldCredentialEarnings, year 4Federal debt
Allied Health Diagnostic, Intervention, and Treatment ProfessionsMaster's Degree$152,554Not available
Biological and Biomedical Sciences, OtherBachelor's Degree$89,140$27,000
Allied Health Diagnostic, Intervention, and Treatment ProfessionsBachelor's Degree$86,056$27,000
Rehabilitation and Therapeutic ProfessionsDoctoral Degree$84,390Not available
Health Services/Allied Health/Health Sciences, GeneralBachelor's Degree$76,417$27,000
Business/Commerce, GeneralBachelor's Degree$71,807Not available
Student Counseling and Personnel ServicesMaster's Degree$70,046Not available
Education, GeneralMaster's Degree$69,601Not available
Rehabilitation and Therapeutic ProfessionsMaster's Degree$69,577Not available
Rehabilitation and Therapeutic ProfessionsBachelor's Degree$69,355$27,000
Business Administration, Management and OperationsMaster's Degree$69,170Not available
Social WorkMaster's Degree$68,674Not available
Community Organization and AdvocacyMaster's Degree$61,633Not available
Sports, Kinesiology, and Physical Education/FitnessMaster's Degree$61,208Not available
Teacher Education and Professional Development, Specific Subject AreasMaster's Degree$61,014Not available
Criminal Justice and CorrectionsBachelor's Degree$60,494$25,500
Psychology, GeneralMaster's Degree$59,656Not available
Sports, Kinesiology, and Physical Education/FitnessBachelor's Degree$54,181$27,000
Community Organization and AdvocacyBachelor's Degree$54,080$31,415
Education, GeneralBachelor's Degree$53,222$27,000
Communication and Media StudiesBachelor's Degree$50,506$27,000
Psychology, GeneralBachelor's Degree$49,255$26,249
Liberal Arts and Sciences, General Studies and HumanitiesBachelor's DegreeNot available$26,500

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.