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Private nonprofit · COLLEGE PAYOFF

Word of Life Bible Institute

⌖ Pottersville, NY · 1 reportable field-and-credential outcomes

MODELED SCENARIO · Negative payoff

−$359,104 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

−151%Modeled 10-year ROI

$32,896Observed 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

−$359,104at year 10

Net gainInvestment not yet recovered

NET GAIN$0UNRECOVERED

−$238,0640

−$359,10410

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$11,500

Sticker price

Published out-of-state tuition$11,500

Sticker price

Average net price$14,516

Title IV student average

Cost of attendance$22,600

Tuition + living budget

OBSERVED FEDERAL MEASURES

Cost, completion and earnings context

$14,516Average net price / year

$22,600Cost of attendance

$32,896Median earnings · year 5 after completion

80.4%Completion rate

Not availableAdmission rate

489Student size

NATIONAL CONTEXT

How this college compares

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

26thEarnings percentile

82thCompletion percentile

EARNINGS PATH

Reported earnings over time

$20,588Year 1

$34,393Year 4

$32,896Year 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.

1Missions/Missionary Studies and Missiology · Undergraduate Certificate or Diploma$34,437

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

BUILD A REAL SHORTLIST

Comparable colleges in NY

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.

Brooklyn, NY

Bet Medrash Gadol Ateret Torah

Annual net price: $10,273
Observed earnings · year 5: $31,338
Modeled 10-year ROI: -162%

Open college profile →Pottersville, NY

Davis College

Annual net price: $12,875
Observed earnings · year 5: $37,898
Modeled 10-year ROI: -131%

Open college profile →Buffalo, NY

Bryant & Stratton College-Buffalo

Annual net price: $14,135
Observed earnings · year 5: $39,402
Modeled 10-year ROI: -124%

Open college profile →Orchard Park, NY

Bryant & Stratton College-Online

Annual net price: $15,187
Observed earnings · year 5: $39,402
Modeled 10-year ROI: -123%

Open college profile →

ALL REPORTABLE PROGRAM CATEGORIES

Explore exact field-and-credential outcomes

Federal field	Credential	Earnings, year 4	Federal debt
Missions/Missionary Studies and Missiology	Undergraduate Certificate or Diploma	$34,437	$12,000

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.