10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$273,688at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Grace College and Theological Seminary
⌖ Winona Lake, IN · 16 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$273,688 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.
—Modeled economic break-even
−105%Modeled 10-year ROI
$43,604Observed 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
$19,932Average net price / year
$41,838Cost of attendance
$43,604Median earnings · year 5 after completion
68.8%Completion rate
82.2%Admission rate
1,464Student 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
$39,167Year 1
$49,126Year 4
$43,604Year 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.
1Engineering Physics · Bachelor's Degree$74,3372Business Administration, Management and Operations · Master's Degree$66,7793Business Administration, Management and Operations · Bachelor's Degree$66,5974Accounting and Related Services · Bachelor's Degree$65,5415Mental and Social Health Services and Allied Professions · Master's Degree$55,5986Marketing · Bachelor's Degree$54,7347Design and Applied Arts · Bachelor's Degree$51,3388Special Education and Teaching · Bachelor's Degree$50,212Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in IN
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.
Huntington, IN
Huntington University
- Annual net price
- $19,310
- Observed earnings · year 5
- $44,818
- Modeled 10-year ROI
- -101%
Earlham College
- Annual net price
- $24,714
- Observed earnings · year 5
- $42,038
- Modeled 10-year ROI
- -111%
Hanover College
- Annual net price
- $21,829
- Observed earnings · year 5
- $49,827
- Modeled 10-year ROI
- -82%
Oakland City University
- Annual net price
- $15,210
- Observed earnings · year 5
- $48,485
- Modeled 10-year ROI
- -86%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Engineering Physics | Bachelor's Degree | $74,337 | Not available |
| Business Administration, Management and Operations | Master's Degree | $66,779 | Not available |
| Business Administration, Management and Operations | Bachelor's Degree | $66,597 | $20,104 |
| Accounting and Related Services | Bachelor's Degree | $65,541 | $19,500 |
| Mental and Social Health Services and Allied Professions | Master's Degree | $55,598 | Not available |
| Marketing | Bachelor's Degree | $54,734 | $19,000 |
| Design and Applied Arts | Bachelor's Degree | $51,338 | Not available |
| Special Education and Teaching | Bachelor's Degree | $50,212 | Not available |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $48,406 | $15,250 |
| Pastoral Counseling and Specialized Ministries | Bachelor's Degree | $44,733 | $25,500 |
| Psychology, General | Bachelor's Degree | $44,424 | $22,009 |
| Criminal Justice and Corrections | Bachelor's Degree | $42,932 | $23,250 |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $42,123 | $23,250 |
| Human Services, General | Bachelor's Degree | $40,727 | $22,460 |
| Clinical, Counseling and Applied Psychology | Bachelor's Degree | $39,291 | $19,500 |
| Bible/Biblical Studies | Bachelor's Degree | Not available | $23,500 |
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.