10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$105,104at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Carlow University
⌖ Pittsburgh, PA · 14 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$105,104 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
With these assumptions, the added earnings do not recover the cost within ten years.
16.7 yrsModeled economic break-even
−40%Modeled 10-year ROI
$60,804Observed earnings · year 5
Not reachedMaximum annual price for positive 10-year payoff
What the numbers say about Carlow University
What does Carlow University cost?
Carlow University reports an average annual net price of $20,786 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Carlow University graduates earn?
The observed median earnings figure is $60,804 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Carlow University graduates have?
Completer borrowers report median cumulative federal student debt of $25,500. Parent PLUS and private loans are not included.
Is every degree at Carlow University worth the same?
No. DegreeVerdict currently shows 14 field-and-credential outcomes at Carlow University; reported earnings and debt can differ substantially by program category.
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.
PRICE SENSITIVITY
The price can change the verdict.
Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.
← Negative payoff$0Positive payoff →
$0Annual price−$21,960
$8,000Annual price−$53,960
$16,000Annual price−$85,960
$21,000Current college-wide context−$105,960
$24,000Annual price−$117,960
$32,000Annual price−$149,960
$40,000Annual price−$181,960
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Middle States Commission on Higher Education
- Main award level
- Bachelor’s degrees
- Campus setting
- City
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$20,786Average net price / year
$49,327Cost of attendance
$25,500Median federal student debt · completer borrowers
$270/moPublished 10-year payment estimate
$60,804Median earnings · year 5 after completion
59.9%Completion rate
87.0%Admission rate
1,348Student size
Institution debt covers federal student-loan borrowers who completed. Parent PLUS and private loans are excluded; missing and privacy-suppressed values remain unavailable.
WHO PAYS, WHO FINISHES, WHO EARNS
Outcomes are not the same for every family.
These federal cohorts add context that a single college average can hide. Missing figures remain unreported rather than estimated.
Complete within 150% of the expected time
49% received a Pell Grant within eight yearsMedian Parent PLUS debt
185 parent borrowers in the reported cohortMedian federal student debt
56% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$46,169Earnings are not a guarantee
Middle income$52,715Earnings are not a guarantee
Higher income$64,951Earnings are not a guarantee
Three-year repayment progress
Lower income45%
Middle income62%
Higher income74%
Source: College Scorecard, June 2026 release. Parent PLUS debt belongs to parents; student-debt measures exclude Parent PLUS and private loans. Cohort definitions differ by measure.
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
$60,011Year 1
$67,381Year 4
$60,804Year 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.
1Biology, General · Bachelor's Degree$134,6772Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Master's Degree$110,8453Health Professions Education, Ethics, and Humanities · Master's Degree$108,6214Security Science and Technology · Master's Degree$95,3685Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$86,2586Business Administration, Management and Operations · Master's Degree$82,7397Accounting and Related Services · Bachelor's Degree$76,0998Business Administration, Management and Operations · Bachelor's Degree$65,696Observed year-4 earnings · compare like fields and credentials before deciding
Programs that stand out against the same-degree benchmark
This view rewards performance relative to the same field and credential, not simply majors that pay more everywhere.
1Biology, GeneralBachelor's Degree · $134,677 reported+135%vs same-degree national median$27,000federal debt2Security Science and TechnologyMaster's Degree · $95,368 reported+16%vs same-degree national medianNot availablefederal debt3Health Professions Education, Ethics, and HumanitiesMaster's Degree · $108,621 reported+8%vs same-degree national medianNot availablefederal debt4Accounting and Related ServicesBachelor's Degree · $76,099 reported-0%vs same-degree national median$26,500federal debt5Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingBachelor's Degree · $86,258 reported-3%vs same-degree national median$28,500federal debt6Business Administration, Management and OperationsBachelor's Degree · $65,696 reported-4%vs same-degree national median$27,351federal debt
Comparable colleges in PA
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.
Reading, PA
Albright College
- Annual net price
- $20,024
- Observed earnings · year 5
- $59,794
- Modeled 10-year ROI
- -43%
Mount Aloysius College
- Annual net price
- $22,344
- Observed earnings · year 5
- $61,657
- Modeled 10-year ROI
- -38%
York College of Pennsylvania
- Annual net price
- $18,556
- Observed earnings · year 5
- $61,800
- Modeled 10-year ROI
- -34%
Cedar Crest College
- Annual net price
- $18,659
- Observed earnings · year 5
- $62,081
- Modeled 10-year ROI
- -33%
Explore exact field-and-credential outcomes
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.