Associate Degree in Liberal Arts and Sciences, General Studies and Humanities. — ROI at UCNJ Union College of Union County New Jersey
NJ · Based on U.S. Department of Education College Scorecard data
Financial Breakdown for Liberal Arts and Sciences, General Studies and Humanities. at UCNJ Union College of Union County New Jersey
Net Annual Cost
$13,752
After grants & scholarships
Median Earnings
$28,190
Median salary after graduation
Net Debt
$9,500
After personal savings applied
20-Year Net ROI Projection
Gross Earnings (20 years)
$28,190 × 20 years
+$563,800
Total 2-Year Cost
$13,752 × 2 years
−$27,504
Estimated Debt Payoff ⓘ Includes estimated interest over a standard 10-year repayment plan.
$9,500 principal × 1.35 (interest)
−$12,825
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
-$316,529
Graduation Rate
35.0%
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.