10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$210,034at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Fulton-Montgomery Community College
⌖ Johnstown, NY · 7 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$210,034 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
−102%Modeled 10-year ROI
$44,675Observed earnings · year 5
Not reachedMaximum annual price for positive 10-year payoff
What the numbers say about Fulton-Montgomery Community College
What does Fulton-Montgomery Community College cost?
Fulton-Montgomery Community College reports an average annual net price of $6,696 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Fulton-Montgomery Community College graduates earn?
The observed median earnings figure is $44,675 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Fulton-Montgomery Community College graduates have?
Completer borrowers report median cumulative federal student debt of $12,125. Parent PLUS and private loans are not included.
Is every degree at Fulton-Montgomery Community College worth the same?
No. DegreeVerdict currently shows 7 field-and-credential outcomes at Fulton-Montgomery Community College; 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−$183,250
$7,000Current college-wide context−$211,250
$8,000Annual price−$215,250
$16,000Annual price−$247,250
$24,000Annual price−$279,250
$32,000Annual price−$311,250
$40,000Annual price−$343,250
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
- Associate degrees
- Campus setting
- Rural
- Admissions
- Open admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$6,696Average net price / year
$14,226Cost of attendance
$12,125Median federal student debt · completer borrowers
$129/moPublished 10-year payment estimate
$44,675Median earnings · year 5 after completion
39.9%Completion rate
Not availableAdmission rate
1,001Student 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
34% received a Pell Grant within eight yearsMedian Parent PLUS debt
63 parent borrowers in the reported cohortMedian federal student debt
29% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$37,612Earnings are not a guarantee
Middle income$43,387Earnings are not a guarantee
Higher income$45,312Earnings are not a guarantee
Three-year repayment progress
Lower income23%
Middle income45%
Higher income52%
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.
INDEPENDENT CENSUS EARNINGS VIEW
How earnings develop by field
Privacy-protected Census employment records follow graduate cohorts one, five and ten years after completion. This source is kept separate from College Scorecard because its population and methodology differ.
Field and credentialYear 1Year 5Year 10
Advanced/Graduate Dentistry and Oral Sciences.Associate degree · Broad federal field 51
$49,855Year 1
$68,058Year 5
$83,673Year 10
Architectural Engineering Technologies/Technicians.Associate degree · Broad federal field 15
$46,435Year 1
$60,095Year 5
$80,729Year 10
Computer Programming.Associate degree · Broad federal field 11
$33,582Year 1
$53,696Year 5
$68,626Year 10
Criminal Justice and Corrections.Associate degree · Broad federal field 43
$31,002Year 1
$47,574Year 5
$59,353Year 10
Accounting and Related Services.Associate degree · Broad federal field 52
$32,448Year 1
$49,252Year 5
$57,019Year 10
Liberal Arts and Sciences, General Studies and Humanities.Associate degree · Broad federal field 24
$26,060Year 1
$42,878Year 5
$54,438Year 10
Communication and Media Studies.Associate degree · Broad federal field 09
$37,592Year 1
$33,372Year 5
$53,343Year 10
Arts, Entertainment, and Media Management.Associate degree · Broad federal field 50
Not availableYear 1
$41,695Year 5
$45,751Year 10
Median annual earnings in 2023 dollars. Each time point may use a different pooled graduation cohort. Coverage is limited to institutions participating in the Census Post-Secondary Employment Outcomes program.
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
$31,786Year 1
$45,309Year 4
$44,675Year 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.
1Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Associate's Degree$89,5942Allied Health Diagnostic, Intervention, and Treatment Professions · Associate's Degree$71,7593Criminal Justice and Corrections · Associate's Degree$48,5954Human Services, General · Associate's Degree$43,9525Liberal Arts and Sciences, General Studies and Humanities · Associate's Degree$41,7006Business Administration, Management and Operations · Associate's Degree$41,4337Health Services/Allied Health/Health Sciences, General · Associate's Degree$41,159Observed 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.
1Human Services, GeneralAssociate's Degree · $43,952 reported+11%vs same-degree national medianNot availablefederal debt2Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingAssociate's Degree · $89,594 reported+11%vs same-degree national median$25,500federal debt3Allied Health Diagnostic, Intervention, and Treatment ProfessionsAssociate's Degree · $71,759 reported+10%vs same-degree national medianNot availablefederal debt4Criminal Justice and CorrectionsAssociate's Degree · $48,595 reported+4%vs same-degree national median$13,300federal debt5Liberal Arts and Sciences, General Studies and HumanitiesAssociate's Degree · $41,700 reported-5%vs same-degree national median$10,999federal debt6Business Administration, Management and OperationsAssociate's Degree · $41,433 reported-15%vs same-degree national median$16,750federal debt
Comparable colleges in NY
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Rochester, NY
Monroe Community College
- Annual net price
- $6,353
- Observed earnings · year 5
- $44,873
- Modeled 10-year ROI
- -101%
SUNY Corning Community College
- Annual net price
- $7,373
- Observed earnings · year 5
- $44,250
- Modeled 10-year ROI
- -104%
CUNY LaGuardia Community College
- Annual net price
- $6,120
- Observed earnings · year 5
- $43,959
- Modeled 10-year ROI
- -105%
Columbia-Greene Community College
- Annual net price
- $6,559
- Observed earnings · year 5
- $43,476
- Modeled 10-year ROI
- -107%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Associate's Degree | $89,594 | $25,500 | Not reported |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Associate's Degree | $71,759 | Not available | Not reported |
| Criminal Justice and Corrections | Associate's Degree | $48,595 | $13,300 | Not reported |
| Human Services, General | Associate's Degree | $43,952 | Not available | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $41,700 | $10,999 | Not reported |
| Business Administration, Management and Operations | Associate's Degree | $41,433 | $16,750 | Not reported |
| Health Services/Allied Health/Health Sciences, General | Associate's Degree | $41,159 | $14,160 | 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.