Is Your College Investment Worth It?
50% of college programs offer positive results, the rest can leave you worse off financially.
Don’t leave your future to chance.
The College Investment Challenge
College is no longer just an education decision, it’s a major financial investment that requires due diligence and careful analysis.
Rising Costs
College Costs have increased 90-150% since 1990 while median wages have increased 10%.
Source: U.S. Bureau of Labor, Census Bureau, College Board, Shivamber Analysis
Mounting Debt
The average student loan debt is $38,375 per borrower with total U.S. student debt at $1.63 Trillion.
Source: Federal Reserve Bank of New York, Shivamber Analysis
Uncertain Returns
At least 25% of college programs have subpar returns (Uisng a low bar of costs and risks).
Source: Federal Resreve Bank of New York, Shivamber Analysis
The Reality of College Investments
Most analysis of college value are fundamentally flawed. They do not consider the time value of money, taxes, costs to attend college and opportunity cost.
A Better Approach to College ROI
The maximum value of college depends on the careful selection of the right combination of College, cost of attendance, and major field of study.
Making Smarter Choices in your College Investments
At College ROI, we help families make data-driven decisions by analyzing the true return on investment of college options. Our approach considers:
- Time Value of Money (a dollar today is worth more than tomorrow)
- Tax implications and their impact on different career paths
- Opportunity cost of attending college versus alternatives
- Program specific outcomes rather than general averages
This comprehensive analysis helps you avoid the subpar college programs that deliver negative returns, while identifying the opportunities with your highest potential.