10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$201,002at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Spring Arbor University
⌖ Spring Arbor, MI · 16 reportable field-and-credential outcomes
10-year estimate · Negative payoff
−$201,002 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.
45.6 yrsModeled economic break-even
−78%Modeled 10-year ROI
$50,641Observed earnings · year 5
Not reachedMaximum annual price for positive 10-year payoff
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.
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college—not the outcomes of a specific program.
- Accreditor
- Higher Learning Commission
- Main award level
- Bachelor’s degrees
- Campus setting
- Rural
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
Cost, debt, completion and earnings context
$19,353Average net price / year
$44,703Cost of attendance
$26,375Median federal student debt · completer borrowers
$280/moPublished 10-year payment estimate
$50,641Median earnings · year 5 after completion
63.5%Completion rate
51.5%Admission rate
1,010Student size
Institution debt covers federal student-loan borrowers who completed. Parent PLUS and private loans are excluded; missing and privacy-suppressed values remain unavailable.
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
$41,735Year 1
$55,203Year 4
$50,641Year 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.
1Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Master's Degree$120,7402Liberal Arts and Sciences, General Studies and Humanities · Master's Degree$100,9553Business Administration, Management and Operations · Master's Degree$95,6114Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$91,8695Social Work · Master's Degree$69,4416Accounting and Related Services · Bachelor's Degree$66,3387Business Administration, Management and Operations · Bachelor's Degree$62,9288Clinical, Counseling and Applied Psychology · Master's Degree$60,581Observed 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.
1Liberal Arts and Sciences, General Studies and HumanitiesMaster's Degree · $100,955 reported+54%vs same-degree national medianNot availablefederal debt2Social WorkMaster's Degree · $69,441 reported+7%vs same-degree national medianNot availablefederal debt3Fine and Studio ArtsBachelor's Degree · $43,021 reported+4%vs same-degree national medianNot availablefederal debt4Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingBachelor's Degree · $91,869 reported+3%vs same-degree national median$29,748federal debt5Human Development, Family Studies, and Related ServicesBachelor's Degree · $48,809 reported+0%vs same-degree national median$26,000federal debt6Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingMaster's Degree · $120,740 reported+0%vs same-degree national medianNot availablefederal debt
Comparable colleges in MI
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.
Grand Rapids, MI
Cornerstone University
- Annual net price
- $20,301
- Observed earnings · year 5
- $49,262
- Modeled 10-year ROI
- -84%
Alma College
- Annual net price
- $20,694
- Observed earnings · year 5
- $52,066
- Modeled 10-year ROI
- -73%
Aquinas College
- Annual net price
- $16,626
- Observed earnings · year 5
- $52,194
- Modeled 10-year ROI
- -71%
Rochester Christian University
- Annual net price
- $21,456
- Observed earnings · year 5
- $46,423
- Modeled 10-year ROI
- -95%
Explore exact field-and-credential outcomes
| Federal field | Credential | Earnings, year 4 | Federal debt | 2023–24 awards |
|---|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Master's Degree | $120,740 | Not available | 20 |
| Liberal Arts and Sciences, General Studies and Humanities | Master's Degree | $100,955 | Not available | Not reported |
| Business Administration, Management and Operations | Master's Degree | $95,611 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $91,869 | $29,748 | Not reported |
| Social Work | Master's Degree | $69,441 | Not available | 0 |
| Accounting and Related Services | Bachelor's Degree | $66,338 | $27,000 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $62,928 | $27,000 | Not reported |
| Clinical, Counseling and Applied Psychology | Master's Degree | $60,581 | Not available | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Bachelor's Degree | $50,735 | $30,657 | Not reported |
| Social Work | Bachelor's Degree | $49,642 | $29,893 | Not reported |
| Human Development, Family Studies, and Related Services | Bachelor's Degree | $48,809 | $26,000 | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | $47,270 | $28,360 | Not reported |
| Fine and Studio Arts | Bachelor's Degree | $43,021 | Not available | Not reported |
| Special Education and Teaching | Bachelor's Degree | $42,461 | $29,750 | Not reported |
| Psychology, General | Bachelor's Degree | $41,167 | $26,000 | Not reported |
| Pastoral Counseling and Specialized Ministries | Bachelor's Degree | $36,814 | 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.