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Private nonprofit · COLLEGE PAYOFF

University of the Cumberlands

⌖ Williamsburg, KY · 23 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$197,528 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.

60.8 yrsModeled economic break-even
−84%Modeled 10-year ROI
$48,890Observed 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
−$197,528at year 10
Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
−$236,4280
2
4
6
8
−$197,52810
Years after graduationBreak-even: 60.8 years
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$9,875
Sticker price
Published out-of-state tuition$9,875
Sticker price
Average net price$14,107
Title IV student average
Cost of attendance$25,567
Tuition + living budget
PRICE SOURCECollege reported · annual amount · federal dataset
OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$14,107Average net price / year
$25,567Cost of attendance
$48,890Median earnings · year 5 after completion
50.4%Completion rate
98.8%Admission rate
6,941Student size
NATIONAL CONTEXT

How this college compares

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

59thEarnings percentile
39thCompletion percentile
EARNINGS PATH

Reported earnings over time

$45,499Year 1
$51,882Year 4
$48,890Year 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.

1Allied Health Diagnostic, Intervention, and Treatment Professions · Master's Degree$118,2512Business Administration, Management and Operations · Doctoral Degree$98,1003Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$94,1834Educational Administration and Supervision · Doctoral Degree$92,8535Business Administration, Management and Operations · Master's Degree$76,4526Educational Administration and Supervision · Master's Degree$61,3527Business/Commerce, General · Bachelor's Degree$59,7608Biology, General · Bachelor's Degree$59,702

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

BUILD A REAL SHORTLIST

Comparable colleges in KY

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.

Georgetown, KY

Georgetown College

Annual net price
$14,095
Observed earnings · year 5
$46,679
Modeled 10-year ROI
-93%
Open college profile →Owensboro, KY

Kentucky Wesleyan College

Annual net price
$17,131
Observed earnings · year 5
$47,632
Modeled 10-year ROI
-89%
Open college profile →Pikeville, KY

University of Pikeville

Annual net price
$20,311
Observed earnings · year 5
$48,770
Modeled 10-year ROI
-86%
Open college profile →Columbia, KY

Lindsey Wilson University

Annual net price
$15,070
Observed earnings · year 5
$41,669
Modeled 10-year ROI
-114%
Open college profile →
ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal fieldCredentialEarnings, year 4Federal debt
Allied Health Diagnostic, Intervention, and Treatment ProfessionsMaster's Degree$118,251Not available
Business Administration, Management and OperationsDoctoral Degree$98,100Not available
Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingBachelor's Degree$94,183$29,400
Educational Administration and SupervisionDoctoral Degree$92,853Not available
Business Administration, Management and OperationsMaster's Degree$76,452Not available
Educational Administration and SupervisionMaster's Degree$61,352Not available
Business/Commerce, GeneralBachelor's Degree$59,760$21,219
Biology, GeneralBachelor's Degree$59,702$20,318
Clinical, Counseling and Applied PsychologyMaster's Degree$54,874Not available
Student Counseling and Personnel ServicesMaster's Degree$52,175Not available
Curriculum and InstructionMaster's Degree$48,120Not available
Teacher Education and Professional Development, Specific Subject AreasMaster's Degree$47,846Not available
Teacher Education and Professional Development, Specific Levels and MethodsMaster's Degree$45,849Not available
Sports, Kinesiology, and Physical Education/FitnessBachelor's Degree$45,660$22,630
Mental and Social Health Services and Allied ProfessionsBachelor's Degree$45,061$22,750
Criminal Justice and CorrectionsBachelor's Degree$41,785$25,000
Psychology, GeneralBachelor's Degree$40,751$21,750
Communication and Media StudiesBachelor's Degree$40,699$19,331
Teacher Education and Professional Development, Specific Levels and MethodsBachelor's Degree$40,093$22,782
Religious EducationBachelor's Degree$39,211$23,371
Human Services, GeneralBachelor's Degree$37,823$22,783
Computer and Information Sciences, GeneralBachelor's DegreeNot available$23,951
Accounting and Related ServicesBachelor's DegreeNot available$22,000

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.