College ROI

Smarter Choices, Brighter Futures
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Charter Oak State College

New Britain, CT 1,620 Undergrads 56.2% Grad Rate
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Total Cost
$22,558
Sticker Price
Avg Net Price
$15,663
After Aid
Median Earnings
$64,209
10yr Post-Entry

Vs. Peer Institutions

Net Price$15,663
Peer Midpoint: $19,729.5
Earnings (10yr)$64,209
Peer Midpoint: $53,747
Graduation Rate56.2%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients39.1%
Enrollment Status
Full-Time32.3%
Economic Outcomes
Earn More than HS79.7%

Admissions Profile

Acceptance
100.0%
SAT Avg
-
SAT Reading
25th: --75th: -
SAT Math
25th: --75th: -
ACT Composite
25th: --75th: -

ROI Sensitivity Analysis

This analysis tests three cost scenarios (Scholarship, Average Net Price, Full Sticker Price) to show how college costs impact your long-term return compared to the average student and a high school graduate.

Lifetime Value Added (NPV)

Institution Lifetime NPV
Vs Median Peer
Vs HS Grad
Zero Cost (Scholarship)$0
+$549k
+$153k
+$65k
Median Cost$16k/yr
+$493k
+$97k
+$9k
Full Cost$23k/yr
+$468k
+$72k
-$16k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
36
∞
Median Cost$16k/yr
57
15%
Full Cost$23k/yr
Never
-20%
Analysis Assumptions:
  • Starting Salary: Estimated from the 10-year median earnings (assuming 2% annual growth from graduation).
  • Comparisons: "Vs Median Peer" compares to the median student nationwide in a similar level program. "Vs HS Grad" compares to a median high school graduate.
  • Break-Even: The age at which the college investment net income exceeds the median high school graduate's lifetime earnings.
  • NPV: Net Present Value of all future earnings minus costs and taxes, discounted at 7.8%.

Social Impact ROINew

Measures the societal return on a donor's investment. Calculated as the incremental pre-tax lifetime earnings vs. HS grad, divided by the tax-adjusted donation cost.

Donor Return64%

Gov. Pell Grant ROINew

Measures the government's return on Pell Grants via increased tax revenue. Calculated as the portion of incremental lifetime taxes (discounted at 5.4%) attributed to the Pell Grant investment.

Taxpayer Return-31%
Important Note: Your ROI with any major will depend on the cost you pay to attend the program, and your starting salary. Both vary significantly across institutions. We encourage you to explore the ROI of a specific program variant by selecting the Program title of the credential level you are interested in. You will then have a more detailed return analysis for programs at specific institutions. We also encourage you to use the ROI calculator with your specific estimates of cost and salary.

Program ROI Analysis

Associate's Degrees

Liberal Arts and Sciences, General Studies and Humanities
AssocCIP: 2401
Median Debt
-
Earnings (5yr)
$50,074
Lifetime Value Added
+$10k

Bachelor's Degrees

Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$20,497
Earnings (5yr)
$72,972
Lifetime Value Added
+$85k
Health and Medical Administrative Services
BachCIP: 5107
Median Debt
$21,958
Earnings (5yr)
$76,376
Lifetime Value Added
+$110k
Liberal Arts and Sciences, General Studies and Humanities
BachCIP: 2401
Median Debt
$16,098
Earnings (5yr)
$60,492
Lifetime Value Added
-$11k

Note: Lifetime Value Added is the Net Present Value (NPV) of estimated career earnings relative to a median high school graduate, accounting for this institution's average cost and taxes. Computed over a career to retirement age.

For graduate programs (Master's, Doctoral, etc.), the calculation assumes a starting age of 22 (after undergraduate completion) and does not include the sunk costs of prior degrees. It represents the value added of the graduate degree decision moving forward. These Lifetime Value Added results should not be compared with those Undergraduate Certificates, Associates or Bachelors starting at age 18.