10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$209,638at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Public · COLLEGE PAYOFF
Rowan College of South Jersey-Cumberland Campus
Vineland, NJ · 17 field-and-degree records
Earnings reported for 16 · Federal debt reported for 10
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$209,638 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
176.2 yrsTime to earn back the modeled cost
−94%Estimated return after 10 years
$46,261Observed earnings · year 5
Not reachedHighest annual price before payoff reaches $0
Start with your question
What do you want to understand?
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.
PUBLISHED STUDENT BUDGET · 2024–25
What makes up the annual price?
Sticker-price components reported to IPEDS. Grants and scholarships are not subtracted here.
Living off campus: $14,931 housing and food allowance plus $6,480 in other expenses.
Do not confuse this with net price. Net price subtracts average grants and scholarships. DegreeVerdict continues to use the separately labeled average net price in its standard college ROI scenario.
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−$167,390
$8,000Annual price−$199,390
$11,000Current college-wide context−$211,390
$16,000Annual price−$231,390
$24,000Annual price−$263,390
$32,000Annual price−$295,390
$40,000Annual price−$327,390
HOW STUDENTS ATTEND · 2023-24
Online study is a meaningful part of the student experience.
IPEDS enrollment counts show course delivery across the whole institution. They do not indicate whether a specific degree can be completed online.
Institution-level attendance context from IPEDS. Program delivery is reported separately on degree pages and in the program directory. These figures do not enter ROI.
College identity and local contextAccreditation, institution type, dual enrollment and state prices
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
- City
- Admissions
- Open admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
1,384 high-school students took college courses.
IPEDS counts students enrolled in college credit while still in high school. A large dual-enrollment population can shape headline enrollment figures, especially at community colleges.
This is participation, not a college completion rate. It does not indicate how many students later enrolled after high school, earned a credential or entered the workforce.
STATE PRICE CONTEXT · 2024
Prices in New Jersey run 9% above the U.S. level.
BEA Regional Price Parities compare price levels across states. A value of 100 equals the national average.
What it costs and what graduates earn
$10,562Average net price / year
$16,069Cost of attendance
$12,000Median federal student debt · completer borrowers
$127/moPublished 10-year payment estimate
$46,261Median earnings · year 5 after completion
32.9%Completion rate
Not availableAdmission rate
2,074Student size
Debt covers federal student-loan borrowers who completed. It does not include Parent PLUS or private loans. We show admissions scores only when a valid federal value is available.
What the numbers say about Rowan College of South Jersey-Cumberland Campus
What does Rowan College of South Jersey-Cumberland Campus cost?
Rowan College of South Jersey-Cumberland Campus reports an average annual net price of $10,562 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Rowan College of South Jersey-Cumberland Campus graduates earn?
The observed median earnings figure is $46,261 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Rowan College of South Jersey-Cumberland Campus graduates have?
Completer borrowers report median cumulative federal student debt of $12,000. Parent PLUS and private loans are not included.
Is every degree at Rowan College of South Jersey-Cumberland Campus worth the same?
No. The current release contains 17 field-and-degree records for Rowan College of South Jersey-Cumberland Campus; 16 report year-4 earnings and 10 report federal debt. Outcomes can differ substantially by field and degree level.
DEBT AFTER COLLEGE
Are borrowers making progress?
Repayment progress, default and debt at exit describe different federal borrower cohorts. They are shown separately and do not change the ROI estimate.
Source: College Scorecard. Repayment progress is the share of borrowers who reduced principal by at least $1 at the stated measurement point. Debt covers federal student loans; Parent PLUS and private loans are excluded. Cohorts and reporting periods differ across measures.
Who studied here during the year
4,881Students enrolled at any point
4,881Undergraduate students
Not availableGraduate students
Unduplicated students enrolled at any point from July 1, 2024 through June 30, 2025. This full-year measure is different from a fall headcount and does not enter ROI.
More student and earnings detailPrice by family income, retention, equity and common industries
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
32% received a Pell Grant within eight yearsMedian Parent PLUS debt
113 parent borrowers in the reported cohortMedian federal student debt
41% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$37,992Earnings are not a guarantee
Middle income$45,104Earnings are not a guarantee
Higher income$49,757Earnings are not a guarantee
Three-year repayment progress
Lower income30%
Middle income50%
Higher income50%
Undergraduate student composition
White36%
Black14%
Hispanic41%
Asian1%
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
Architectural Engineering Technologies/Technicians.Associate degree · Broad federal field 15
Not availableYear 1
Not availableYear 5
$97,592Year 10
Advanced/Graduate Dentistry and Oral Sciences.Associate degree · Broad federal field 51
$76,958Year 1
$83,695Year 5
$93,834Year 10
Applied Mathematics.Associate degree · Broad federal field 27
Not availableYear 1
$54,615Year 5
$83,086Year 10
Criminal Justice and Corrections.Associate degree · Broad federal field 43
$31,104Year 1
$51,627Year 5
$66,287Year 10
Computer Programming.Associate degree · Broad federal field 11
$26,599Year 1
$52,765Year 5
$64,628Year 10
Liberal Arts and Sciences, General Studies and Humanities.Associate degree · Broad federal field 24
$28,439Year 1
$42,967Year 5
$61,237Year 10
Accounting and Related Services.Associate degree · Broad federal field 52
$38,824Year 1
$47,916Year 5
$60,696Year 10
Community Organization and Advocacy.Associate degree · Broad federal field 44
$36,674Year 1
$43,420Year 5
$57,669Year 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 every reportable field-and-credential record at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS OVER TIME
What graduates earned in later years
$33,995Year 1
$48,576Year 4
$46,261Year 5
Each year can represent a different federal cohort, so the points do not track the same people over time.
Your choice of degree can change the payoff.
Graduate earnings differ by field and credential, even within the same college.
1Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Associate's Degree$89,9742Allied Health Diagnostic, Intervention, and Treatment Professions · Associate's Degree$79,8123Engineering, General · Associate's Degree$72,5024Business Administration, Management and Operations · Associate's Degree$55,7205Business Administration, Management and Operations · Undergraduate Certificate or Diploma$55,5356Social Work · Associate's Degree$49,8807Biology, General · Associate's Degree$48,1368Computer and Information Sciences, General · Associate's Degree$46,180Observed year-4 earnings · compare the same field and credential across colleges
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.
1Social WorkAssociate's Degree · $49,880 reported+27%vs same-degree national median$15,803federal debt2Allied Health Diagnostic, Intervention, and Treatment ProfessionsAssociate's Degree · $79,812 reported+22%vs same-degree national median$15,437federal debt3Business Administration, Management and OperationsUndergraduate Certificate or Diploma · $55,535 reported+17%vs same-degree national medianNot availablefederal debt4Business Administration, Management and OperationsAssociate's Degree · $55,720 reported+14%vs same-degree national median$11,460federal debt5Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingAssociate's Degree · $89,974 reported+11%vs same-degree national median$17,125federal debt6Biology, GeneralAssociate's Degree · $48,136 reported+8%vs same-degree national median$9,500federal debt
Comparable colleges in NJ
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Hackensack, NJ
Adult and Continuing Education-BCTS
- Annual net price
- $10,588
- Observed earnings · year 5
- $45,468
- Modeled 10-year ROI
- -98%
Ocean County College
- Annual net price
- $11,411
- Observed earnings · year 5
- $46,410
- Modeled 10-year ROI
- -94%
Salem Community College
- Annual net price
- $10,816
- Observed earnings · year 5
- $47,752
- Modeled 10-year ROI
- -88%
Rowan College of South Jersey-Gloucester Campus
- Annual net price
- $12,378
- Observed earnings · year 5
- $46,261
- Modeled 10-year ROI
- -95%
Compare fields and degree levels
Showing all 17 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Associate's Degree | $89,974 | $17,125 | Not reported |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Associate's Degree | $79,812 | $15,437 | Not reported |
| Engineering, General | Associate's Degree | $72,502 | Not available | Not reported |
| Business Administration, Management and Operations | Associate's Degree | $55,720 | $11,460 | Not reported |
| Business Administration, Management and Operations | Undergraduate Certificate or Diploma | $55,535 | Not available | 23 |
| Social Work | Associate's Degree | $49,880 | $15,803 | Not reported |
| Biology, General | Associate's Degree | $48,136 | $9,500 | Not reported |
| Computer and Information Sciences, General | Associate's Degree | $46,180 | Not available | Not reported |
| Criminal Justice and Corrections | Associate's Degree | $44,481 | $12,000 | Not reported |
| Criminal Justice and Corrections | Undergraduate Certificate or Diploma | $44,362 | $11,862 | 19 |
| Mathematics | Associate's Degree | $43,325 | Not available | Not reported |
| Mental and Social Health Services and Allied Professions | Undergraduate Certificate or Diploma | $42,549 | Not available | 0 |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $41,244 | $11,084 | Not reported |
| Education, General | Associate's Degree | $39,731 | $10,987 | Not reported |
| Computer Software and Media Applications | Associate's Degree | $33,043 | Not available | Not reported |
| Business Operations Support and Assistant Services | Associate's Degree | $32,768 | Not available | Not reported |
| Practical Nursing, Vocational Nursing and Nursing Assistants | Undergraduate Certificate or Diploma | Not available | $15,145 | 3 |
Graduate counts come from IPEDS and group related majors into the same federal field. Missing earnings or debt values remain labeled as unavailable.
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.