10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$85,346at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Public · COLLEGE PAYOFF
University of Toledo
Toledo, OH · 63 field-and-degree records
Earnings reported for 61 · Federal debt reported for 40
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$85,346 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
15.2 yrsTime to earn back the modeled cost
−34%Estimated return after 10 years
$61,365Observed 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: $11,711 housing and food allowance plus $5,234 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−$16,350
$8,000Annual price−$48,350
$16,000Annual price−$80,350
$17,000Current college-wide context−$84,350
$24,000Annual price−$112,350
$32,000Annual price−$144,350
$40,000Annual price−$176,350
HOW STUDENTS ATTEND · 2023-24
Online study is a meaningful part of the student experience.
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
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
1,560 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 Ohio run 7% 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
$17,249Average net price / year
$26,512Cost of attendance
$22,250Median federal student debt · completer borrowers
$236/moPublished 10-year payment estimate
$61,365Median earnings · year 5 after completion
57.0%Completion rate
92.0%Admission rate
1,235Average SAT score
25ACT midpoint
9,770Student 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 Toledo
What does University of Toledo cost?
University of Toledo reports an average annual net price of $17,249 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do University of Toledo graduates earn?
The observed median earnings figure is $61,365 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do University of Toledo graduates have?
Completer borrowers report median cumulative federal student debt of $22,250. Parent PLUS and private loans are not included.
Is every degree at University of Toledo worth the same?
No. The current release contains 63 field-and-degree records for University of Toledo; 61 report year-4 earnings and 40 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
17,084Students enrolled at any point
13,084Undergraduate students
4,000Graduate 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
44% received a Pell Grant within eight yearsMedian Parent PLUS debt
1,936 parent borrowers in the reported cohortMedian federal student debt
43% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$41,380Earnings are not a guarantee
Middle income$52,341Earnings are not a guarantee
Higher income$61,187Earnings are not a guarantee
Three-year repayment progress
Lower income33%
Middle income50%
Higher income64%
Undergraduate student composition
White65%
Black11%
Hispanic7%
Asian4%
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.Doctoral, professional practice · Broad federal field 51
$69,727Year 1
$140,291Year 5
$162,105Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Doctoral, research/scholarship · Broad federal field 14
$90,582Year 1
$121,802Year 5
$155,572Year 10
Biochemistry, Biophysics and Molecular Biology.Master’s degree · Broad federal field 26
$55,464Year 1
$67,692Year 5
$143,232Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Master’s degree · Broad federal field 14
$77,362Year 1
$104,709Year 5
$138,263Year 10
Computer Programming.Master’s degree · Broad federal field 11
$57,867Year 1
$114,306Year 5
$123,301Year 10
Accounting and Related Services.Master’s degree · Broad federal field 52
$67,651Year 1
$95,909Year 5
$119,083Year 10
Aerospace, Aeronautical, and Astronautical/Space Engineering.Bachelor’s degree · Broad federal field 14
$71,248Year 1
$89,593Year 5
$116,867Year 10
Applied Mathematics.Master’s degree · Broad federal field 27
$33,861Year 1
$87,170Year 5
$112,807Year 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
$50,884Year 1
$66,084Year 4
$61,365Year 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.
1Pharmacy, Pharmaceutical Sciences, and Administration · Doctoral Degree$132,3082Allied Health Diagnostic, Intervention, and Treatment Professions · Master's Degree$127,2203Medicine · First Professional Degree$106,2684Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Master's Degree$103,8655Electromechanical Technologies/Technicians · Bachelor's Degree$98,5296Business Administration, Management and Operations · Master's Degree$97,2417Electrical, Electronics, and Communications Engineering · Bachelor's Degree$95,8468Chemical Engineering · Bachelor's Degree$94,065Observed 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.
1Sports, Kinesiology, and Physical Education/FitnessBachelor's Degree · $68,866 reported+26%vs same-degree national median$22,797federal debt2Biology, GeneralMaster's Degree · $86,070 reported+23%vs same-degree national medianNot availablefederal debt3Electromechanical Technologies/TechniciansBachelor's Degree · $98,529 reported+17%vs same-degree national median$26,000federal debt4International BusinessBachelor's Degree · $85,247 reported+16%vs same-degree national medianNot availablefederal debt5Business Administration, Management and OperationsAssociate's Degree · $56,264 reported+15%vs same-degree national medianNot availablefederal debt6Visual and Performing Arts, GeneralBachelor's Degree · $46,198 reported+11%vs same-degree national median$26,166federal debt
Comparable colleges in OH
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Blue Ash, OH
University of Cincinnati-Blue Ash College
- Annual net price
- $16,508
- Observed earnings · year 5
- $63,845
- Modeled 10-year ROI
- -23%
Ohio State University-Main Campus
- Annual net price
- $17,339
- Observed earnings · year 5
- $66,114
- Modeled 10-year ROI
- -15%
Ohio State University Agricultural Technical Institute
- Annual net price
- $17,809
- Observed earnings · year 5
- $66,114
- Modeled 10-year ROI
- -16%
Wright State University-Main Campus
- Annual net price
- $15,415
- Observed earnings · year 5
- $57,485
- Modeled 10-year ROI
- -48%
Compare fields and degree levels
Showing the 40 highest-earning records from 63 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 |
|---|---|---|---|---|
| Pharmacy, Pharmaceutical Sciences, and Administration | Doctoral Degree | $132,308 | Not available | 110 |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Master's Degree | $127,220 | Not available | Not reported |
| Medicine | First Professional Degree | $106,268 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Master's Degree | $103,865 | Not available | 0 |
| Electromechanical Technologies/Technicians | Bachelor's Degree | $98,529 | $26,000 | Not reported |
| Business Administration, Management and Operations | Master's Degree | $97,241 | Not available | Not reported |
| Electrical, Electronics, and Communications Engineering | Bachelor's Degree | $95,846 | $21,250 | Not reported |
| Chemical Engineering | Bachelor's Degree | $94,065 | $25,750 | Not reported |
| Computer Engineering | Bachelor's Degree | $93,816 | $26,424 | Not reported |
| Mechanical Engineering | Bachelor's Degree | $90,717 | $17,900 | Not reported |
| Human Resources Management and Services | Master's Degree | $86,260 | Not available | Not reported |
| Biology, General | Master's Degree | $86,070 | Not available | Not reported |
| Biomedical/Medical Engineering | Bachelor's Degree | $85,751 | $19,750 | Not reported |
| International Business | Bachelor's Degree | $85,247 | Not available | Not reported |
| Law | First Professional Degree | $85,086 | Not available | Not reported |
| Construction Engineering Technology/Technician | Bachelor's Degree | $84,736 | $24,225 | Not reported |
| Mechanical Engineering Related Technologies/Technicians | Bachelor's Degree | $83,465 | $26,875 | Not reported |
| Rehabilitation and Therapeutic Professions | Doctoral Degree | $80,802 | Not available | 46 |
| Computer and Information Sciences, General | Bachelor's Degree | $80,501 | $31,000 | Not reported |
| Civil Engineering | Bachelor's Degree | $79,886 | $20,500 | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $77,241 | $22,400 | 8 |
| Accounting and Related Services | Master's Degree | $74,825 | Not available | Not reported |
| Finance and Financial Management Services | Bachelor's Degree | $74,304 | $18,500 | 0 |
| Accounting and Related Services | Bachelor's Degree | $74,103 | $20,973 | 1 |
| Information Science/Studies | Bachelor's Degree | $73,932 | $25,193 | Not reported |
| Public Health | Master's Degree | $72,026 | Not available | 0 |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $68,866 | $22,797 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $67,516 | $25,250 | 3 |
| Marketing | Bachelor's Degree | $67,040 | $24,885 | Not reported |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Bachelor's Degree | $63,908 | $25,000 | Not reported |
| Pharmacy, Pharmaceutical Sciences, and Administration | Bachelor's Degree | $63,190 | $25,000 | Not reported |
| Human Resources Management and Services | Bachelor's Degree | $60,561 | $25,000 | 2 |
| Teacher Education and Professional Development, Specific Subject Areas | Master's Degree | $59,624 | Not available | Not reported |
| Educational Administration and Supervision | Master's Degree | $59,531 | Not available | Not reported |
| Special Education and Teaching | Master's Degree | $59,246 | Not available | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Master's Degree | $56,606 | Not available | Not reported |
| Business Administration, Management and Operations | Associate's Degree | $56,264 | Not available | Not reported |
| Parks, Recreation, and Leisure Studies | Master's Degree | $56,105 | Not available | Not reported |
| Social Work | Master's Degree | $56,004 | Not available | Not reported |
| Health and Medical Administrative Services | Bachelor's Degree | $54,335 | $26,438 | 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.
Search every University of Toledo 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.