Associate Degree in Liberal Arts and Sciences, General Studies and Humanities. — ROI at Harford Community College
MD · Based on U.S. Department of Education College Scorecard data
Financial Breakdown for Liberal Arts and Sciences, General Studies and Humanities. at Harford Community College
Net Annual Cost
$14,290
After grants & scholarships
Median Earnings
$29,351
Median salary after graduation
Net Debt
$10,227
After personal savings applied
20-Year Net ROI Projection
Gross Earnings (20 years)
$29,351 × 20 years
+$587,020
Total 2-Year Cost
$14,290 × 2 years
−$28,580
Estimated Debt Payoff ⓘ Includes estimated interest over a standard 10-year repayment plan.
$10,227 principal × 1.35 (interest)
−$13,806
Baseline Opportunity Cost ⓘ The estimated earnings you would make with a high school diploma over 20 years ($42,000/yr), which you forfeit while studying.
$42,000 median no-degree salary × 20 years
−$840,000
20-Year Net ROI
-$295,366
Graduation Rate
33.3%
of students complete their degree
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How we calculate ROI
20-Year Net ROI = Gross Earnings − Total 2-Year Cost − Estimated Debt Payoff − Baseline Opportunity Cost
Baseline assumes $42,000/yr median earnings without a college degree. Debt payoff uses a 1.35× multiplier to account for interest over a standard repayment period.
Data sourced from the U.S. College Scorecard.