10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$158,110at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private for-profit · COLLEGE PAYOFF
University of Phoenix-Arizona
Phoenix, AZ · 78 field-and-degree records
Earnings reported for 77 · Federal debt reported for 38
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$158,110 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
30.8 yrsTime to earn back the modeled cost
−68%Estimated return after 10 years
$52,597Observed 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: $7,460 housing and food allowance plus $2,300 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−$104,030
$8,000Annual price−$136,030
$14,000Current college-wide context−$160,030
$16,000Annual price−$168,030
$24,000Annual price−$200,030
$32,000Annual price−$232,030
$40,000Annual price−$264,030
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
- Bachelor’s degrees
- Campus setting
- City
- Admissions
- Open admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
STATE PRICE CONTEXT · 2024
Prices in Arizona run 1% 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
$13,520Average net price / year
$19,909Cost of attendance
$31,553Median federal student debt · completer borrowers
$335/moPublished 10-year payment estimate
$52,597Median earnings · year 5 after completion
20.8%Completion rate
Not availableAdmission rate
85,991Student 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 University of Phoenix-Arizona
What does University of Phoenix-Arizona cost?
University of Phoenix-Arizona reports an average annual net price of $13,520 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do University of Phoenix-Arizona graduates earn?
The observed median earnings figure is $52,597 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do University of Phoenix-Arizona graduates have?
Completer borrowers report median cumulative federal student debt of $31,553. Parent PLUS and private loans are not included.
Is every degree at University of Phoenix-Arizona worth the same?
No. The current release contains 78 field-and-degree records for University of Phoenix-Arizona; 77 report year-4 earnings and 38 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
177,160Students enrolled at any point
143,551Undergraduate students
33,609Graduate 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
29% received a Pell Grant within eight yearsMedian Parent PLUS debt
1,383 parent borrowers in the reported cohortMedian federal student debt
27% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$31,756Earnings are not a guarantee
Middle income$52,519Earnings are not a guarantee
Higher income$71,181Earnings are not a guarantee
Three-year repayment progress
Lower income21%
Middle income38%
Higher income55%
Undergraduate student composition
White34%
Black24%
Hispanic12%
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.
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
$52,226Year 1
$61,486Year 4
$52,597Year 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 · Doctoral Degree$137,4582Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Master's Degree$131,3653Management Information Systems and Services · Doctoral Degree$130,3244Health Professions Education, Ethics, and Humanities · Master's Degree$119,9565Health and Medical Administrative Services · Doctoral Degree$117,5046Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$109,8447Business Administration, Management and Operations · Doctoral Degree$95,0448Educational/Instructional Media Design · Doctoral Degree$92,765Observed 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.
1Business Administration, Management and OperationsUndergraduate Certificate or Diploma · $68,591 reported+45%vs same-degree national median$12,928federal debt2Computer Software and Media ApplicationsUndergraduate Certificate or Diploma · $58,242 reported+41%vs same-degree national medianNot availablefederal debt3MarketingUndergraduate Certificate or Diploma · $69,299 reported+39%vs same-degree national median$22,060federal debt4Computer Software and Media ApplicationsBachelor's Degree · $81,636 reported+39%vs same-degree national median$44,225federal debt5Teacher Education and Professional Development, Specific Subject AreasMaster's Degree · $83,826 reported+32%vs same-degree national medianNot availablefederal debt6Computer ProgrammingUndergraduate Certificate or Diploma · $71,953 reported+27%vs same-degree national median$14,431federal debt
Comparable colleges in AZ
Currently operating private for-profit institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Phoenix, AZ
Refrigeration School Inc
- Annual net price
- $27,025
- Observed earnings · year 5
- $50,810
- Modeled 10-year ROI
- -80%
University of Advancing Technology
- Annual net price
- $28,522
- Observed earnings · year 5
- $54,365
- Modeled 10-year ROI
- -68%
Universal Technical Institute-Phoenix
- Annual net price
- $24,863
- Observed earnings · year 5
- $46,718
- Modeled 10-year ROI
- -94%
Universal Technical Institute of Arizona Inc
- Annual net price
- $30,451
- Observed earnings · year 5
- $54,551
- Modeled 10-year ROI
- -68%
Compare fields and degree levels
Showing the 40 highest-earning records from 78 field-and-degree records. Use the program directory to search the complete set.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Doctoral Degree | $137,458 | Not available | 36 |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Master's Degree | $131,365 | Not available | 0 |
| Management Information Systems and Services | Doctoral Degree | $130,324 | Not available | 4 |
| Health Professions Education, Ethics, and Humanities | Master's Degree | $119,956 | Not available | 0 |
| Health and Medical Administrative Services | Doctoral Degree | $117,504 | Not available | 38 |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $109,844 | $27,235 | Not reported |
| Business Administration, Management and Operations | Doctoral Degree | $95,044 | Not available | 114 |
| Educational/Instructional Media Design | Doctoral Degree | $92,765 | Not available | 0 |
| Computer Systems Analysis | Bachelor's Degree | $91,484 | Not available | 0 |
| Finance and Financial Management Services | Master's Degree | $88,995 | Not available | Not reported |
| Business Administration, Management and Operations | Graduate/Professional Certificate | $88,537 | Not available | 1,838 |
| Educational Administration and Supervision | Doctoral Degree | $86,449 | Not available | 72 |
| Management Information Systems and Services | Master's Degree | $85,634 | Not available | 13 |
| Teacher Education and Professional Development, Specific Subject Areas | Master's Degree | $83,826 | Not available | Not reported |
| Clinical, Counseling and Applied Psychology | Doctoral Degree | $82,522 | Not available | 0 |
| Computer Software and Media Applications | Bachelor's Degree | $81,636 | $44,225 | Not reported |
| Business Administration, Management and Operations | Master's Degree | $80,622 | Not available | 99 |
| Finance and Financial Management Services | Bachelor's Degree | $80,134 | $48,469 | 0 |
| Curriculum and Instruction | Doctoral Degree | $80,021 | Not available | 3 |
| Computer Systems Networking and Telecommunications | Bachelor's Degree | $78,464 | $39,645 | Not reported |
| Computer Programming | Bachelor's Degree | $76,918 | $49,211 | Not reported |
| Computer and Information Sciences, General | Bachelor's Degree | $75,805 | $41,693 | 24 |
| Accounting and Related Services | Master's Degree | $74,183 | Not available | Not reported |
| Computer/Information Technology Administration and Management | Graduate/Professional Certificate | $74,027 | Not available | 462 |
| Marketing | Bachelor's Degree | $72,745 | $45,070 | 1 |
| Computer and Information Sciences, General | Master's Degree | $72,183 | Not available | Not reported |
| Computer Programming | Undergraduate Certificate or Diploma | $71,953 | $14,431 | 0 |
| Mental and Social Health Services and Allied Professions | Master's Degree | $71,586 | Not available | Not reported |
| Computer/Information Technology Administration and Management | Bachelor's Degree | $71,385 | $46,262 | 0 |
| Health and Medical Administrative Services | Master's Degree | $71,248 | Not available | 33 |
| Student Counseling and Personnel Services | Master's Degree | $70,581 | Not available | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $69,425 | $42,386 | 80 |
| Marketing | Undergraduate Certificate or Diploma | $69,299 | $22,060 | 0 |
| Business Administration, Management and Operations | Undergraduate Certificate or Diploma | $68,591 | $12,928 | 9,457 |
| Educational Administration and Supervision | Master's Degree | $68,550 | Not available | 76 |
| Public Administration | Bachelor's Degree | $68,272 | $45,656 | Not reported |
| Homeland Security | Bachelor's Degree | $68,161 | Not available | Not reported |
| Public Administration | Master's Degree | $67,108 | Not available | Not reported |
| Human Resources Management and Services | Graduate/Professional Certificate | $66,258 | Not available | 943 |
| Human Resources Management and Services | Undergraduate Certificate or Diploma | $66,086 | $12,785 | 0 |
Graduate counts come from IPEDS and group related majors into the same federal field. Missing earnings or debt values remain labeled as unavailable.
Search every University of Phoenix-Arizona program record →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.