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Private nonprofit · COLLEGE PAYOFF

SUM Bible College and Theological Seminary

⌖ El Dorado Hills, CA · 1 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$356,940 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.

—Modeled economic break-even

−134%Modeled 10-year ROI

$35,978Observed earnings · year 5

Economic ROI includes direct price and earnings forgone during study · $45,000 comparison earnings · values held flat · see the formula

ECONOMIC INVESTMENT → PAYBACK

Estimated payoff over ten years.

The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.

10-YEAR PAYOFF CURVECumulative economic payoff after graduation

−$356,940at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$266,7200

−$356,94010

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 in-state tuition$10,460

Sticker price

Published out-of-state tuition$10,460

Sticker price

Average net price$21,680

Title IV student average

Cost of attendance$24,956

Tuition + living budget

OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$21,680Average net price / year

$24,956Cost of attendance

$35,978Median earnings · year 5 after completion

84.8%Completion rate

40.7%Admission rate

198Student size

NATIONAL CONTEXT

How this college compares

Percentiles compare this institution with currently operating colleges that report the same federal measure.

31thEarnings percentile

87thCompletion percentile

EARNINGS PATH

Reported earnings over time

$27,268Year 1

$38,089Year 4

$35,978Year 5

Separate federal cohorts may underlie different measurement years.

PROGRAM PAYOFF SPREAD

The college average is not the whole story.

Observed earnings vary substantially by field and credential at the same institution.

1Bible/Biblical Studies · Bachelor's Degree$36,973

Observed year-4 earnings · compare like fields and credentials before deciding

BUILD A REAL SHORTLIST

Comparable colleges in CA

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.

San Diego, CA

CET-San Diego

Annual net price: $22,035
Observed earnings · year 5: $34,875
Modeled 10-year ROI: -138%

Open college profile →Los Angeles, CA

CBD College

Annual net price: $23,033
Observed earnings · year 5: $36,316
Modeled 10-year ROI: -132%

Open college profile →San Dimas, CA

Life Pacific University

Annual net price: $20,898
Observed earnings · year 5: $38,895
Modeled 10-year ROI: -123%

Open college profile →Pasadena, CA

Providence Christian College

Annual net price: $25,163
Observed earnings · year 5: $37,058
Modeled 10-year ROI: -128%

Open college profile →

ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal field	Credential	Earnings, year 4	Federal debt
Bible/Biblical Studies	Bachelor's Degree	$36,973	$29,299

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.