10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$119,714at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Westfield State University
⌖ Westfield, MA · 29 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$119,714 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.
19.4 yrsModeled economic break-even
−48%Modeled 10-year ROI
$57,717Observed 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
$16,721Average net price / year
$27,649Cost of attendance
$57,717Median earnings · year 5 after completion
54.4%Completion rate
81.4%Admission rate
3,615Student 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
$40,719Year 1
$59,434Year 4
$57,717Year 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.
1Computer Science · Bachelor's Degree$95,9322Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$93,2483Public Administration · Master's Degree$77,5254Economics · Bachelor's Degree$72,5395Social Work · Master's Degree$70,0616Criminal Justice and Corrections · Bachelor's Degree$67,3637Business/Commerce, General · Bachelor's Degree$66,8898Biology, General · Bachelor's Degree$64,904Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in MA
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive—not a quality ranking.
Bridgewater, MA
Bridgewater State University
- Annual net price
- $16,383
- Observed earnings · year 5
- $56,900
- Modeled 10-year ROI
- -52%
Framingham State University
- Annual net price
- $16,114
- Observed earnings · year 5
- $59,034
- Modeled 10-year ROI
- -43%
Quincy College
- Annual net price
- $17,126
- Observed earnings · year 5
- $60,318
- Modeled 10-year ROI
- -38%
Salem State University
- Annual net price
- $15,996
- Observed earnings · year 5
- $60,219
- Modeled 10-year ROI
- -38%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Computer Science | Bachelor's Degree | $95,932 | $27,000 |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $93,248 | $26,900 |
| Public Administration | Master's Degree | $77,525 | Not available |
| Economics | Bachelor's Degree | $72,539 | $25,000 |
| Social Work | Master's Degree | $70,061 | Not available |
| Criminal Justice and Corrections | Bachelor's Degree | $67,363 | $24,422 |
| Business/Commerce, General | Bachelor's Degree | $66,889 | $26,000 |
| Biology, General | Bachelor's Degree | $64,904 | $27,000 |
| Clinical, Counseling and Applied Psychology | Master's Degree | $62,001 | Not available |
| Special Education and Teaching | Master's Degree | $60,630 | Not available |
| Political Science and Government | Bachelor's Degree | $60,025 | $24,783 |
| City/Urban, Community, and Regional Planning | Bachelor's Degree | $59,524 | $23,628 |
| Romance Languages, Literatures, and Linguistics | Bachelor's Degree | $58,290 | $27,000 |
| Communication and Media Studies | Bachelor's Degree | $56,349 | $26,000 |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $55,828 | $27,000 |
| Social Work | Bachelor's Degree | $55,699 | $27,000 |
| Mathematics | Bachelor's Degree | $54,980 | Not available |
| Psychology, General | Bachelor's Degree | $54,484 | $27,000 |
| Teacher Education and Professional Development, Specific Levels and Methods | Master's Degree | $53,768 | Not available |
| Special Education and Teaching | Bachelor's Degree | $53,678 | $27,000 |
| Liberal Arts and Sciences, General Studies and Humanities | Bachelor's Degree | $51,730 | $27,000 |
| Natural Resources Conservation and Research | Bachelor's Degree | $51,547 | $23,913 |
| History | Bachelor's Degree | $51,439 | $25,000 |
| English Language and Literature, General | Bachelor's Degree | $51,322 | $27,000 |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $51,049 | $27,000 |
| Fine and Studio Arts | Bachelor's Degree | $43,248 | $27,000 |
| Music | Bachelor's Degree | $39,692 | Not available |
| Information Science/Studies | Bachelor's Degree | Not available | $20,381 |
| Teacher Education and Professional Development, Specific Levels and Methods | Post-baccalaureate Certificate | Not available | $27,000 |
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.