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Private for-profit · COLLEGE PAYOFF

Universal Training Institute

⌖ Perth Amboy, NJ · 1 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$167,842 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.

18.6 yrsModeled economic break-even

−46%Modeled 10-year ROI

$64,589Observed 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

−$167,842at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$363,7320

−$167,84210

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 tuitionNot available

Sticker price

Published out-of-state tuitionNot available

Sticker price

Average net price$45,933

Title IV student average

Cost of attendance$49,145

Tuition + living budget

OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$45,933Average net price / year

$49,145Cost of attendance

$64,589Median earnings · year 5 after completion

57.9%Completion rate

Not availableAdmission rate

158Student size

NATIONAL CONTEXT

How this college compares

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

85thEarnings percentile

49thCompletion percentile

EARNINGS PATH

Reported earnings over time

$60,039Year 1

$70,104Year 4

$64,589Year 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.

1Practical Nursing, Vocational Nursing and Nursing Assistants · Undergraduate Certificate or Diploma$75,945

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

BUILD A REAL SHORTLIST

Comparable colleges in NJ

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.

Iselin, NJ

DeVry University-New Jersey

Annual net price: $26,565
Observed earnings · year 5: $63,561
Modeled 10-year ROI: -35%

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Jersey College

Annual net price: $52,558
Observed earnings · year 5: $81,028
Modeled 10-year ROI: -8%

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Eastwick College-Ramsey

Annual net price: $27,074
Observed earnings · year 5: $60,381
Modeled 10-year ROI: -47%

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Aviation Institute of Maintenance-Teterboro

Annual net price: $24,800
Observed earnings · year 5: $68,475
Modeled 10-year ROI: -16%

Open college profile →

ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal field	Credential	Earnings, year 4	Federal debt
Practical Nursing, Vocational Nursing and Nursing Assistants	Undergraduate Certificate or Diploma	$75,945	$12,953

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.