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Private nonprofit · COLLEGE PAYOFF

Emmaus Bible College

Dubuque, IA · No degree-level outcomes reported

Based onObserved earnings + college priceEstimate10-year payoff

Estimated 10-year payoff

Negative payoff

−$295,174 over 10 years

Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.

Not availableTime to earn back the modeled cost

−127%Estimated return after 10 years

$38,757Observed earnings · year 5

Not reachedHighest annual price before payoff reaches $0

Start with your question

What do you want to understand?

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

−$295,174at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$232,7440

−$295,17410

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 tuition$20,800

Sticker price

Published out-of-state tuition$20,800

Sticker price

Average net price$13,186

Title IV student average

Cost of attendance$30,971

Tuition + living budget

PUBLISHED STUDENT BUDGET · 2024–25

What makes up the annual price?

Sticker-price components reported to IPEDS. Grants and scholarships are not subtracted here.

Tuition and required fees$20,800Same reported price regardless of residency

Books and supplies$600Estimated academic-year allowance

On-campus housing and food$9,600$1,650 in other expenses reported separately

Estimated on-campus total$32,650Sum of available published components, before aid

Living off campus: $5,400 housing and food allowance plus $1,380 in other expenses.

Do not confuse this with net price. Net price subtracts average grants and scholarships. DegreeVerdict continues to use the separately labeled average net price in its standard college ROI scenario.

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−$242,430

$8,000Annual price−$274,430

$13,000Current college-wide context−$294,430

$16,000Annual price−$306,430

$24,000Annual price−$338,430

$32,000Annual price−$370,430

$40,000Annual price−$402,430

HOW STUDENTS ATTEND · 2023-24

Most students study without distance-education courses.

IPEDS enrollment counts show course delivery across the whole institution. They do not indicate whether a specific degree can be completed online.

Fully online11%

26 students

Some online courses13%

30 students

No online courses76%

181 students

Undergraduates age 25+9.6%

Share of undergraduate enrollment

Institution-level attendance context from IPEDS. Program delivery is reported separately on degree pages and in the program directory. These figures do not enter ROI.

College identity and local contextAccreditation, institution type, dual enrollment and state prices

COLLEGE AT A GLANCE

Institution details

Current federal characteristics describing the college, not the outcomes of a specific program.

Accreditor: Higher Learning Commission
Main award level: Certificates
Campus setting: City
Admissions: Selective admission
Delivery: Campus or mixed delivery
Federal designation: No special designation reported

Sources: College Scorecard June 2026 release and IPEDS 2024 institutional characteristics.

DUAL-ENROLLMENT CONTEXT · 2024

25 high-school students took college courses.

IPEDS counts students enrolled in college credit while still in high school. A large dual-enrollment population can shape headline enrollment figures, especially at community colleges.

This is participation, not a college completion rate. It does not indicate how many students later enrolled after high school, earned a credential or entered the workforce.

STATE PRICE CONTEXT · 2024

Prices in Iowa run 12% below the U.S. level.

BEA Regional Price Parities compare price levels across states. A value of 100 equals the national average.

Overall12% below U.S.

Goods6% below U.S.

Housing35% below U.S.

Utilities17% below U.S.

Other services7% below U.S.

THE NUMBERS BEHIND THE VERDICT

What it costs and what graduates earn

$13,186Average net price / year

$30,971Cost of attendance

$15,750Median federal student debt · completer borrowers

$167/moPublished 10-year payment estimate

$38,757Median earnings · year 5 after completion

83.0%Completion rate

59.8%Admission rate

1,161Average SAT score

22ACT midpoint

224Student size

Debt covers federal student-loan borrowers who completed. It does not include Parent PLUS or private loans. We show admissions scores only when a valid federal value is available.

QUESTIONS ANSWERED

What the numbers say about Emmaus Bible College

What does Emmaus Bible College cost?

Emmaus Bible College reports an average annual net price of $13,186 after grants and scholarships. This is an institution-wide average, not an individual aid offer.

What do Emmaus Bible College graduates earn?

The observed median earnings figure is $38,757 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.

How much federal debt do Emmaus Bible College graduates have?

Completer borrowers report median cumulative federal student debt of $15,750. Parent PLUS and private loans are not included.

Is every degree at Emmaus Bible College worth the same?

The current release does not contain reportable degree outcomes for Emmaus Bible College, so this page cannot compare its individual degrees.

DEBT AFTER COLLEGE

Are borrowers making progress?

Repayment progress, default and debt at exit describe different federal borrower cohorts. They are shown separately and do not change the ROI estimate.

1 year83%Paid down at least $1 of principal

3 years83%Paid down at least $1 of principal

5 years90%Paid down at least $1 of principal

7 years83%Paid down at least $1 of principal

Students who completed$15,750Median federal debt · 29 borrowers

Students who withdrew$5,500Median federal debt · 52 borrowers

Three-year cohort default rate0%Federal cohort measure, not the share currently behind on payments

Source: College Scorecard. Repayment progress is the share of borrowers who reduced principal by at least $1 at the stated measurement point. Debt covers federal student loans; Parent PLUS and private loans are excluded. Cohorts and reporting periods differ across measures.

2024–25 ENROLLMENT

Who studied here during the year

250Students enrolled at any point

250Undergraduate students

Not availableGraduate students

Unduplicated students enrolled at any point from July 1, 2024 through June 30, 2025. This full-year measure is different from a fall headcount and does not enter ROI.

More student and earnings detailPrice by family income, retention, equity and common industries

PRICE BY FAMILY INCOME

Average net price is not one price

Federal averages for aided students in each family-income band. Your aid offer can differ.

$0–30k$11,199

$30–48k$10,179

$48–75k$10,844

$75–110k$11,741

$110k+$23,888

LONGER-TERM CONTEXT

What happens beyond the first earnings measure

Year 5$38,757

Year 6$34,653

Year 10$42,631

Full-time retention: 82.9%
Part-time retention: Not available
Completion within 200% of normal time: 52.3%

Earnings timepoints may use different historical cohorts and should not be read as one group’s guaranteed salary growth.

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.

Pell Grant students75%

Complete within 150% of the expected time

78% received a Pell Grant within eight years

Parent borrowingNot available

Median Parent PLUS debt

Borrower count not reported

First-generation students$12,000

Median federal student debt

Three-year repayment not reported

Student family incomeMedian earnings after 10 yearsObserved federal cohorts

Lower income$36,460Earnings are not a guarantee

Middle income$42,854Earnings are not a guarantee

Higher income$52,914Earnings are not a guarantee

Undergraduate student composition

White72%

Black2%

Hispanic5%

Asian2%

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.

36thEarnings percentile

84thCompletion percentile

EARNINGS OVER TIME

What graduates earned in later years

$29,569Year 1

$44,052Year 4

$38,757Year 5

Each year can represent a different federal cohort, so the points do not track the same people over time.

BUILD A REAL SHORTLIST

Comparable colleges in IA

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.

Fairfield, IA

Maharishi International University

Annual net price: $14,956
Observed earnings · year 5: $32,465
Modeled 10-year ROI: -152%

Open college profile →Ankeny, IA

Faith Baptist Bible College and Theological Seminary

Annual net price: $16,282
Observed earnings · year 5: $32,128
Modeled 10-year ROI: -153%

Open college profile →Storm Lake, IA

Buena Vista University

Annual net price: $18,846
Observed earnings · year 5: $49,392
Modeled 10-year ROI: -83%

Open college profile →Lamoni, IA

Graceland University-Lamoni

Annual net price: $18,504
Observed earnings · year 5: $51,838
Modeled 10-year ROI: -73%

Open college profile →

DEGREE OUTCOMES

No degree-level outcomes are currently reportable.

This college remains in the national directory because it appears in the College Scorecard. Degree outcomes may be unavailable, privacy-suppressed or outside the reported cohorts.

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.