10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$9,286at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Cumberland University
⌖ Lebanon, TN · 14 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$9,286 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.
10.4 yrsModeled economic break-even
−4%Modeled 10-year ROI
$69,575Observed 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
$18,759Average net price / year
$43,358Cost of attendance
$69,575Median earnings · year 5 after completion
45.6%Completion rate
67.3%Admission rate
2,104Student 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
$45,973Year 1
$58,091Year 4
$69,575Year 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.
1Business Administration, Management and Operations · Master's Degree$80,6352Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$78,9543Public Administration · Master's Degree$60,7264Business Administration, Management and Operations · Bachelor's Degree$60,4775Education, General · Master's Degree$55,1226Teacher Education and Professional Development, Specific Subject Areas · Master's Degree$54,1667Accounting and Related Services · Bachelor's Degree$51,3668Criminal Justice and Corrections · Bachelor's Degree$51,032Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in TN
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.
Memphis, TN
Baptist Health Sciences University
- Annual net price
- $11,212
- Observed earnings · year 5
- $71,906
- Modeled 10-year ROI
- +20%
King University
- Annual net price
- $22,347
- Observed earnings · year 5
- $61,767
- Modeled 10-year ROI
- -38%
Rhodes College
- Annual net price
- $28,585
- Observed earnings · year 5
- $66,608
- Modeled 10-year ROI
- -27%
Lincoln Memorial University
- Annual net price
- $20,406
- Observed earnings · year 5
- $57,194
- Modeled 10-year ROI
- -53%
Explore exact field-and-credential outcomes
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.