10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$95,146at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Houston Christian University
⌖ Houston, TX · 18 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$95,146 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.
15.7 yrsModeled economic break-even
−36%Modeled 10-year ROI
$61,737Observed 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
$20,629Average net price / year
$50,082Cost of attendance
$61,737Median earnings · year 5 after completion
49.1%Completion rate
84.4%Admission rate
2,886Student 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
$52,289Year 1
$62,310Year 4
$61,737Year 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$98,8582Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$93,4753International Business · Master's Degree$88,6504Human Resources Management and Services · Master's Degree$79,0245Psychology, General · Master's Degree$75,0526Educational Administration and Supervision · Master's Degree$71,0867Student Counseling and Personnel Services · Master's Degree$69,6948Clinical, Counseling and Applied Psychology · Master's Degree$69,658Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in TX
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.
Houston, TX
University of St Thomas
- Annual net price
- $19,359
- Observed earnings · year 5
- $60,835
- Modeled 10-year ROI
- -38%
Criswell College
- Annual net price
- $21,630
- Observed earnings · year 5
- $59,854
- Modeled 10-year ROI
- -44%
Concordia University Texas
- Annual net price
- $23,131
- Observed earnings · year 5
- $62,873
- Modeled 10-year ROI
- -34%
University of Dallas
- Annual net price
- $22,610
- Observed earnings · year 5
- $60,044
- Modeled 10-year ROI
- -44%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Business Administration, Management and Operations | Master's Degree | $98,858 | Not available |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $93,475 | $25,394 |
| International Business | Master's Degree | $88,650 | Not available |
| Human Resources Management and Services | Master's Degree | $79,024 | Not available |
| Psychology, General | Master's Degree | $75,052 | Not available |
| Educational Administration and Supervision | Master's Degree | $71,086 | Not available |
| Student Counseling and Personnel Services | Master's Degree | $69,694 | Not available |
| Clinical, Counseling and Applied Psychology | Master's Degree | $69,658 | Not available |
| Marketing | Bachelor's Degree | $68,490 | Not available |
| Curriculum and Instruction | Master's Degree | $60,834 | Not available |
| Theological and Ministerial Studies | Master's Degree | $59,295 | Not available |
| Multi-/Interdisciplinary Studies, General | Bachelor's Degree | $54,696 | $31,000 |
| Business Administration, Management and Operations | Bachelor's Degree | $53,464 | $23,500 |
| Psychology, General | Bachelor's Degree | $53,021 | $25,500 |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $45,718 | $21,000 |
| Biology, General | Bachelor's Degree | Not available | $26,667 |
| Biochemistry, Biophysics and Molecular Biology | Bachelor's Degree | Not available | $24,250 |
| Accounting and Related Services | Bachelor's Degree | Not available | $27,500 |
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.