10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$275,942at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Carolina University
⌖ Winston-Salem, NC · 4 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$275,942 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.
Not availableModeled economic break-even
−105%Modeled 10-year ROI
$43,737Observed earnings · year 5
Not reachedMaximum annual price for positive 10-year payoff
What the numbers say about Carolina University
What does Carolina University cost?
Carolina University reports an average annual net price of $20,828 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Carolina University graduates earn?
The observed median earnings figure is $43,737 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Carolina University graduates have?
Completer borrowers report median cumulative federal student debt of $20,287. Parent PLUS and private loans are not included.
Is every degree at Carolina University worth the same?
No. DegreeVerdict currently shows 4 field-and-credential outcomes at Carolina 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−$192,630
$8,000Annual price−$224,630
$16,000Annual price−$256,630
$21,000Current college-wide context−$276,630
$24,000Annual price−$288,630
$32,000Annual price−$320,630
$40,000Annual price−$352,630
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Transnational Association of Christian Colleges and Schools
- 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
$20,828Average net price / year
$32,680Cost of attendance
$20,287Median federal student debt · completer borrowers
$215/moPublished 10-year payment estimate
$43,737Median earnings · year 5 after completion
21.6%Completion rate
39.5%Admission rate
460Student 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
45% received a Pell Grant within eight yearsMedian Parent PLUS debt
50 parent borrowers in the reported cohortMedian federal student debt
45% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$26,357Earnings are not a guarantee
Middle income$39,666Earnings are not a guarantee
Higher income$46,380Earnings are not a guarantee
Three-year repayment progress
Lower income52%
Middle incomeNot reported
Higher incomeNot reported
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
$35,110Year 1
$52,812Year 4
$43,737Year 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.
1Philosophy · Doctoral Degree$115,6302Bible/Biblical Studies · Bachelor's Degree$56,9953Theological and Ministerial Studies · Master's Degree$51,2384Theological and Ministerial Studies · Bachelor's Degree$38,859Observed 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.
1PhilosophyDoctoral Degree · $115,630 reported+64%vs same-degree national medianNot availablefederal debt2Bible/Biblical StudiesBachelor's Degree · $56,995 reported+28%vs same-degree national median$20,926federal debt3Theological and Ministerial StudiesBachelor's Degree · $38,859 reported-13%vs same-degree national median$35,382federal debt4Theological and Ministerial StudiesMaster's Degree · $51,238 reported-16%vs same-degree national medianNot availablefederal debt
Comparable colleges in NC
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.
Charlotte, NC
Johnson C Smith University
- Annual net price
- $20,894
- Observed earnings · year 5
- $43,653
- Modeled 10-year ROI
- -105%
Mars Hill University
- Annual net price
- $19,910
- Observed earnings · year 5
- $44,276
- Modeled 10-year ROI
- -103%
Salem College
- Annual net price
- $18,277
- Observed earnings · year 5
- $43,440
- Modeled 10-year ROI
- -106%
Mid-Atlantic Christian University
- Annual net price
- $18,328
- Observed earnings · year 5
- $44,795
- Modeled 10-year ROI
- -101%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Philosophy | Doctoral Degree | $115,630 | Not available | Not reported |
| Bible/Biblical Studies | Bachelor's Degree | $56,995 | $20,926 | Not reported |
| Theological and Ministerial Studies | Master's Degree | $51,238 | Not available | Not reported |
| Theological and Ministerial Studies | Bachelor's Degree | $38,859 | $35,382 | 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.