10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$270,902at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Paul Smiths College of Arts and Science
⌖ Paul Smiths, NY · 9 reportable field-and-credential outcomes
MODELED SCENARIO · Negative payoff
−$270,902 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.
181.1 yrsModeled economic break-even
−94%Modeled 10-year ROI
$46,583Observed 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
$26,683Average net price / year
$51,506Cost of attendance
$46,583Median earnings · year 5 after completion
50.5%Completion rate
76.5%Admission rate
579Student 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
$35,524Year 1
$48,703Year 4
$46,583Year 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.
1Environmental/Natural Resources Management and Policy · Bachelor's Degree$53,7882Natural Resources Conservation and Research · Bachelor's Degree$51,3593Wildlife and Wildlands Science and Management · Bachelor's Degree$50,1714Forestry · Associate's Degree$49,9505Forestry · Bachelor's Degree$49,2916Multi-/Interdisciplinary Studies, General · Bachelor's Degree$46,8347Culinary Arts and Related Services · Bachelor's Degree$42,6528Culinary Arts and Related Services · Associate's Degree$41,909Observed year-4 earnings · compare like fields and credentials before deciding
Comparable colleges in NY
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.
New York, NY
Metropolitan College of New York
- Annual net price
- $28,882
- Observed earnings · year 5
- $47,319
- Modeled 10-year ROI
- -92%
Hilbert College
- Annual net price
- $22,723
- Observed earnings · year 5
- $50,646
- Modeled 10-year ROI
- -79%
Houghton University
- Annual net price
- $20,519
- Observed earnings · year 5
- $43,607
- Modeled 10-year ROI
- -105%
Gemological Institute of America-New York
- Annual net price
- $18,977
- Observed earnings · year 5
- $44,504
- Modeled 10-year ROI
- -102%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt |
|---|---|---|---|
| Environmental/Natural Resources Management and Policy | Bachelor's Degree | $53,788 | $27,000 |
| Natural Resources Conservation and Research | Bachelor's Degree | $51,359 | $25,089 |
| Wildlife and Wildlands Science and Management | Bachelor's Degree | $50,171 | $24,874 |
| Forestry | Associate's Degree | $49,950 | Not available |
| Forestry | Bachelor's Degree | $49,291 | Not available |
| Multi-/Interdisciplinary Studies, General | Bachelor's Degree | $46,834 | Not available |
| Culinary Arts and Related Services | Bachelor's Degree | $42,652 | $27,000 |
| Culinary Arts and Related Services | Associate's Degree | $41,909 | Not available |
| Parks, Recreation, and Leisure Studies | Bachelor's Degree | $41,797 | $23,250 |
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.