10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$295,124at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Public · COLLEGE PAYOFF
Three Rivers College
Poplar Bluff, MO · 15 field-and-degree records
Earnings reported for 15 · Federal debt reported for 8
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$295,124 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
Not availableTime to earn back the modeled cost
−138%Estimated return after 10 years
$36,886Observed 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: $9,558 housing and food allowance plus $8,316 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−$261,140
$8,000Current college-wide context−$293,140
$16,000Annual price−$325,140
$24,000Annual price−$357,140
$32,000Annual price−$389,140
$40,000Annual price−$421,140
HOW STUDENTS ATTEND · 2023-24
Most students take at least some classes online.
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
- Higher Learning Commission
- Main award level
- Associate degrees
- Campus setting
- Town
- Admissions
- Open admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
840 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 Missouri run 9% below 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
$8,496Average net price / year
$18,637Cost of attendance
$10,000Median federal student debt · completer borrowers
$106/moPublished 10-year payment estimate
$36,886Median earnings · year 5 after completion
33.3%Completion rate
Not availableAdmission rate
1,844Student 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 Three Rivers College
What does Three Rivers College cost?
Three Rivers College reports an average annual net price of $8,496 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Three Rivers College graduates earn?
The observed median earnings figure is $36,886 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Three Rivers College graduates have?
Completer borrowers report median cumulative federal student debt of $10,000. Parent PLUS and private loans are not included.
Is every degree at Three Rivers College worth the same?
No. The current release contains 15 field-and-degree records for Three Rivers College; 15 report year-4 earnings and 8 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
3,372Students enrolled at any point
3,372Undergraduate 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
Borrower count not reportedMedian federal student debt
28% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$29,840Earnings are not a guarantee
Middle income$38,451Earnings are not a guarantee
Higher income$40,362Earnings are not a guarantee
Three-year repayment progress
Lower income23%
Middle income46%
Higher income54%
Undergraduate student composition
White76%
Black11%
Hispanic4%
Asian0%
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
Advanced/Graduate Dentistry and Oral Sciences.Associate degree · Broad federal field 51
$53,440Year 1
$64,074Year 5
$68,691Year 10
Electrical/Electronics Maintenance and Repair Technologies/Technicians.Associate degree · Broad federal field 47
$51,223Year 1
$40,037Year 5
$55,464Year 10
Liberal Arts and Sciences, General Studies and Humanities.Associate degree · Broad federal field 24
$28,005Year 1
$40,447Year 5
$45,938Year 10
Criminal Justice and Corrections.Associate degree · Broad federal field 43
$34,840Year 1
$41,154Year 5
$43,948Year 10
Accounting and Related Services.Associate degree · Broad federal field 52
$31,702Year 1
$35,274Year 5
$38,246Year 10
Apparel and Textiles.Associate degree · Broad federal field 19
$26,837Year 1
$30,926Year 5
$31,905Year 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
$33,394Year 1
$42,322Year 4
$36,886Year 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$73,5542Practical Nursing, Vocational Nursing and Nursing Assistants · Undergraduate Certificate or Diploma$63,8033Health/Medical Preparatory Programs · Undergraduate Certificate or Diploma$52,6034Allied Health and Medical Assisting Services · Associate's Degree$48,3965Criminal Justice and Corrections · Associate's Degree$44,2716Allied Health and Medical Assisting Services · Undergraduate Certificate or Diploma$44,2057Allied Health Diagnostic, Intervention, and Treatment Professions · Undergraduate Certificate or Diploma$42,9308Liberal Arts and Sciences, General Studies and Humanities · Non-Credential Program (Preparatory Coursework/Teacher Certification)$42,323Observed 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.
1Allied Health and Medical Assisting ServicesUndergraduate Certificate or Diploma · $44,205 reported+29%vs same-degree national median$11,600federal debt2Allied Health and Medical Assisting ServicesAssociate's Degree · $48,396 reported+14%vs same-degree national medianNot availablefederal debt3Practical Nursing, Vocational Nursing and Nursing AssistantsUndergraduate Certificate or Diploma · $63,803 reported+14%vs same-degree national medianNot availablefederal debt4Business Operations Support and Assistant ServicesUndergraduate Certificate or Diploma · $33,831 reported+4%vs same-degree national medianNot availablefederal debt5Health/Medical Preparatory ProgramsUndergraduate Certificate or Diploma · $52,603 reported-3%vs same-degree national median$15,962federal debt6Teacher Education and Professional Development, Specific Subject AreasAssociate's Degree · $34,035 reported-5%vs same-degree national median$9,000federal debt
Comparable colleges in MO
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Warrensburg, MO
Warrensburg Area Career Center
- Annual net price
- $9,266
- Observed earnings · year 5
- $37,043
- Modeled 10-year ROI
- -137%
Missouri State University-West Plains
- Annual net price
- $9,750
- Observed earnings · year 5
- $35,949
- Modeled 10-year ROI
- -141%
Crowder College
- Annual net price
- $9,023
- Observed earnings · year 5
- $38,909
- Modeled 10-year ROI
- -128%
Ozarks Technical Community College
- Annual net price
- $6,936
- Observed earnings · year 5
- $39,317
- Modeled 10-year ROI
- -127%
Compare fields and degree levels
Showing all 15 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 | $73,554 | $17,490 | Not reported |
| Practical Nursing, Vocational Nursing and Nursing Assistants | Undergraduate Certificate or Diploma | $63,803 | Not available | 31 |
| Health/Medical Preparatory Programs | Undergraduate Certificate or Diploma | $52,603 | $15,962 | 41 |
| Allied Health and Medical Assisting Services | Associate's Degree | $48,396 | Not available | Not reported |
| Criminal Justice and Corrections | Associate's Degree | $44,271 | Not available | Not reported |
| Allied Health and Medical Assisting Services | Undergraduate Certificate or Diploma | $44,205 | $11,600 | 13 |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Undergraduate Certificate or Diploma | $42,930 | $7,837 | 16 |
| Liberal Arts and Sciences, General Studies and Humanities | Non-Credential Program (Preparatory Coursework/Teacher Certification) | $42,323 | Not available | Not reported |
| Health/Medical Preparatory Programs | Associate's Degree | $40,141 | $11,000 | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Associate's Degree | $36,697 | $9,039 | 0 |
| Liberal Arts and Sciences, General Studies and Humanities | Undergraduate Certificate or Diploma | $36,642 | $8,875 | 449 |
| Marketing | Associate's Degree | $34,725 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Associate's Degree | $34,035 | $9,000 | Not reported |
| Business Operations Support and Assistant Services | Undergraduate Certificate or Diploma | $33,831 | Not available | 8 |
| Business Administration, Management and Operations | Undergraduate Certificate or Diploma | $32,612 | Not available | Not reported |
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.