10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$222,372at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Holyoke Community College
⌖ Holyoke, MA · 18 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$222,372 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
$43,990Observed earnings · year 5
Not reachedMaximum annual price for positive 10-year payoff
What the numbers say about Holyoke Community College
What does Holyoke Community College cost?
Holyoke Community College reports an average annual net price of $8,068 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Holyoke Community College graduates earn?
The observed median earnings figure is $43,990 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Holyoke Community College graduates have?
Completer borrowers report median cumulative federal student debt of $8,250. Parent PLUS and private loans are not included.
Is every degree at Holyoke Community College worth the same?
No. DegreeVerdict currently shows 18 field-and-credential outcomes at Holyoke 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−$190,100
$8,000Current college-wide context−$222,100
$16,000Annual price−$254,100
$24,000Annual price−$286,100
$32,000Annual price−$318,100
$40,000Annual price−$350,100
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- New England 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
$8,068Average net price / year
$15,043Cost of attendance
$8,250Median federal student debt · completer borrowers
$87/moPublished 10-year payment estimate
$43,990Median earnings · year 5 after completion
29.4%Completion rate
Not availableAdmission rate
3,591Student 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
25% received a Pell Grant within eight yearsMedian Parent PLUS debt
Borrower count not reportedMedian federal student debt
47% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$36,325Earnings are not a guarantee
Middle income$41,051Earnings are not a guarantee
Higher income$49,474Earnings are not a guarantee
Three-year repayment progress
Lower income38%
Middle income55%
Higher income61%
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
$34,858Year 1
$46,724Year 4
$43,990Year 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.
1Practical Nursing, Vocational Nursing and Nursing Assistants · Undergraduate Certificate or Diploma$88,0672Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Associate's Degree$84,2643Engineering, General · Associate's Degree$75,2674Business Administration, Management and Operations · Associate's Degree$59,3785Computer Programming · Associate's Degree$52,6186Social Work · Associate's Degree$51,6907Health Services/Allied Health/Health Sciences, General · Associate's Degree$50,9538Community Organization and Advocacy · Undergraduate Certificate or Diploma$47,136Observed 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.
1Practical Nursing, Vocational Nursing and Nursing AssistantsUndergraduate Certificate or Diploma · $88,067 reported+57%vs same-degree national medianNot availablefederal debt2Social WorkAssociate's Degree · $51,690 reported+31%vs same-degree national median$10,075federal debt3Culinary Arts and Related ServicesUndergraduate Certificate or Diploma · $39,070 reported+28%vs same-degree national medianNot availablefederal debt4Health and Medical Administrative ServicesUndergraduate Certificate or Diploma · $43,692 reported+23%vs same-degree national medianNot availablefederal debt5Business Administration, Management and OperationsAssociate's Degree · $59,378 reported+22%vs same-degree national median$9,200federal debt6Allied Health and Medical Assisting ServicesUndergraduate Certificate or Diploma · $41,345 reported+21%vs same-degree national medianNot availablefederal debt
Comparable colleges in MA
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Greenfield, MA
Greenfield Community College
- Annual net price
- $7,679
- Observed earnings · year 5
- $44,881
- Modeled 10-year ROI
- -101%
Massasoit Community College
- Annual net price
- $8,460
- Observed earnings · year 5
- $45,532
- Modeled 10-year ROI
- -98%
Bristol Community College
- Annual net price
- $5,547
- Observed earnings · year 5
- $43,979
- Modeled 10-year ROI
- -105%
Southeastern Technical Institute
- Annual net price
- $7,060
- Observed earnings · year 5
- $46,106
- Modeled 10-year ROI
- -95%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Practical Nursing, Vocational Nursing and Nursing Assistants | Undergraduate Certificate or Diploma | $88,067 | Not available | 10 |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Associate's Degree | $84,264 | $20,880 | Not reported |
| Engineering, General | Associate's Degree | $75,267 | $8,907 | Not reported |
| Business Administration, Management and Operations | Associate's Degree | $59,378 | $9,200 | Not reported |
| Computer Programming | Associate's Degree | $52,618 | $10,700 | Not reported |
| Social Work | Associate's Degree | $51,690 | $10,075 | Not reported |
| Health Services/Allied Health/Health Sciences, General | Associate's Degree | $50,953 | $11,930 | Not reported |
| Community Organization and Advocacy | Undergraduate Certificate or Diploma | $47,136 | $5,988 | Not reported |
| Criminal Justice and Corrections | Associate's Degree | $46,250 | $5,658 | Not reported |
| Hospitality Administration/Management | Associate's Degree | $46,186 | Not available | Not reported |
| Health and Medical Administrative Services | Undergraduate Certificate or Diploma | $43,692 | Not available | Not reported |
| Veterinary/Animal Health Technologies/Technicians | Associate's Degree | $43,182 | Not available | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $41,607 | $8,995 | Not reported |
| Allied Health and Medical Assisting Services | Undergraduate Certificate or Diploma | $41,345 | Not available | 2 |
| Biology, General | Associate's Degree | $39,198 | $5,300 | Not reported |
| Culinary Arts and Related Services | Undergraduate Certificate or Diploma | $39,070 | Not available | 10 |
| Human Development, Family Studies, and Related Services | Associate's Degree | $37,024 | Not available | Not reported |
| Fine and Studio Arts | Associate's Degree | $34,441 | Not available | 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.