18

Caribbean University-Carolina

Carolina, Puerto Rico · Private Nonprofit

ROI Score: 18/100 · Poor Value

Caribbean University-Carolina earns an overall ROI score of 18/100, placing it in the poor value band on CampusROI's framework. Tuition runs $8,844 with an average net price of $5,791 after aid. Median earnings six years after entry land at $18,400, climbing to roughly $22,842 by year ten, producing a payback period that effectively never resolves (the model caps payback at 999 years when median earnings don't exceed the high-school baseline by enough to recoup cost). Median federal debt of $10,500 works out to a debt-to-earnings ratio of 0.57, which is tight. Completion is the headline weakness at 44.4% of degree-seeking students finishing within 150% of normal time. The component scores break down as earnings premium 0/100, completion 28/100, payback 7/100, debt-to-earnings 59/100, repayment 4/100. The lowest sub-score is earnings premium over a high-school baseline at 0/100, which is the main weight pulling the overall number down; the strongest sub-score is debt-to-earnings ratio at 59/100. Data points here come from the U.S. Department of Education's College Scorecard (2024-2025 vintage), and Scorecard earnings carry a 6-10 year reporting lag, so the figures describe recent graduating cohorts rather than this year's incoming class.

Payback Period
>50 yr
Years until earnings premium covers total investment
Net Price / Year
$5,791
$23,164 over 4 years after aid
10-Year Earnings
$22,842
Median graduate 10 years after entry
Debt / Earnings
0.57
$10,500 median debt vs first-year salary

Caribbean University-Carolina

18
ROI ScorePoor Value
Earnings Premium
0(-0.53x)
Payback Period
7(>50 yr)
Debt / Earnings
59(0.57)
Completion Rate
28(44%)
Repayment Rate
4(41%)

Quick Numbers

In-state tuition + fees$8,844/yr
Out-of-state tuition + fees$8,844/yr
Average net price$5,791/yr
Total 4-year cost (net)$23,164
Median earnings (10yr post-entry)$22,842
Median earnings (6yr post-entry)$18,400
Median debt at graduation$10,500
Estimated monthly loan payment$111
Estimated payback period>50 years
6-year graduation rate44.4%
Undergraduate enrollment99

Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).

The Full Financial Picture

The sticker price at Caribbean University-Carolina is $8,844/year. But sticker price isn't what most students pay. After grants, scholarships, and financial aid, the average student pays a net price of $5,791/year, or roughly $23,164 over four years.

That net price varies significantly by family income. The lowest-income families (under $30,000/year) pay an average of N/A/year, while families earning over $110,000 pay N/A/year.

The median graduate leaves with $10,500 in federal loan debt, translating to an estimated monthly payment of $111 on a standard 10-year repayment plan. Against median earnings of $22,842 ten years out, the debt-to-earnings ratio is 0.57 - within the recommended range but worth monitoring.

Net Price by Family Income

What families actually pay after grants and scholarships, by income bracket.

Family IncomeAvg Net Price/Year
$0 - $30,000N/A
$30,001 - $48,000$5,791
$48,001 - $75,000N/A
$75,001 - $110,000N/A
$110,001+N/A

Cost by Income Bracket Explained

Lower-income families (under $30K)

Net price for the lowest income bracket (under $30k) is not reported in this dataset, which usually signals small-sample suppression. Families in this band should request a personalized financial aid package; with a long-run earnings target of $22,842, the after-aid number needs to come in low for the math to work, otherwise federal Pell plus state grants likely cover most of tuition.

Middle-income families ($30K-$110K)

Middle-income families ($30,001-$48,000) face a net price of about $5,791 per year. These households typically get less Pell support and partial institutional aid, so the tuition bill is more directly felt. Whether the math works depends on the major: programs with stronger early earnings can absorb this cost; lower-paying majors will produce a longer payback period.

Higher-income families ($110K+)

Top-bracket net price isn't reported here. Higher-income families generally pay close to sticker for the cost components institutional aid doesn't touch (room, board, fees), and should expect minimal grant aid; the choice is really about whether this school's outcomes justify the full price tag versus alternatives.

Earnings by Major

Top 4 most popular majors at Caribbean University-Carolina with available earnings data.

MajorMedian EarningsGrade
Social Work$26,324B+
Accounting$26,619-
Practical Nursing$30,043F
Criminal Justice and Corrections$24,784D

Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.

Program Analysis

Why these programs deliver their earnings outcomes.

Social Work

Social Work (CIP 4407) graduates 7 students per year. Reported median four-year earnings of $26,324. Median program debt is $7,500 against a debt-to-earnings ratio of 0.28, which is manageable. CampusROI assigns this program an ROI grade of B+.

Practical Nursing

Practical Nursing (CIP 5139) graduates 2 students per year. Reported median first-year earnings of $10,084 and four-year earnings of $30,043. Median program debt is $15,250 against a debt-to-earnings ratio of 1.51, which is heavy. CampusROI assigns this program an ROI grade of F. Nursing graduates typically enter clinical settings with strong wage floors and transferable licensure, which is why these programs hold up even at high cost.

Accounting

Accounting (CIP 5203) graduates 2 students per year. Reported median first-year earnings of $26,619.

Criminal Justice and Corrections

Criminal Justice and Corrections (CIP 4301) graduates 1 students per year. Reported median first-year earnings of $15,127 and four-year earnings of $24,784. Median program debt is $13,500 against a debt-to-earnings ratio of 0.89, which is heavy. CampusROI assigns this program an ROI grade of D. Criminal justice leads to law enforcement and corrections roles with capped wage ladders; check whether local employers are hiring before assuming the regional ROI.

How Graduates Do

Earnings

6 years after entry$18,400
-$16,600 vs. HS grad
10 years after entry$22,842
-$12,158 vs. HS grad
Annual earnings premium-$12,158
Over median HS graduate ($35,000)

Loan Repayment

MetricThis SchoolNat'l Avg
1-year repayment34.7%52.0%
3-year repayment41.0%62.0%
5-year repayment30.5%68.0%
7-year repayment35.5%72.0%

Completion Rate

0%National avg: 60.0%100%
44.4%
6-year rate

Admissions Snapshot

Enrollment99
Pell Grant recipients67.7%
Avg faculty salary (monthly)$2,100

Admission rate is not reported in current Scorecard data for this institution. Without a public admit rate it's hard to characterize selectivity directly. What we can read off the outcomes side is the completion rate of 44.4%, which is the closest proxy: schools that admit prepared, well-matched students typically see noticeably higher completion than schools that take a wider range. Prospective applicants should treat admission as effectively open or contact the registrar for current selectivity data before assuming the school is a safety.

Compared to Similar Schools

Peer institutions matched by type, size, and selectivity.

Listed peer institutions include Universidad Adventista de las Antillas (ROI 11, Poor Value, >999yr); Atlantic University (ROI 26, Poor Value, >999yr); Northpoint Bible College (ROI 21, Poor Value, 32.5yr payback); Trinity Bible College and Graduate School (ROI 18, Poor Value, 360.0yr payback); Saint Joseph Seminary College (ROI 25, Poor Value, 95.6yr payback). Caribbean University-Carolina sits at ROI 18 with >999yr, so families weighing options should compare these schools side by side on tuition net of aid, completion rate, and program-level earnings rather than relying on rankings.

SchoolROINet Price10yr Earnings
Caribbean University-Carolina (this school)
18
$5,791$22,842
Universidad Central de Bayamon
20
$4,827$25,021
Inter American University of Puerto Rico-Fajardo
20
$9,230$23,132
University of Puerto Rico at Ponce
19
$10,990$31,394
Caribbean University-Ponce
17
$4,964$22,842
Universidad del Sagrado Corazon
16
$12,924$31,754

Who Thrives Here

This is a Caribbean institution with a small enrollment of 99 undergraduates and a Pell Grant rate of 67.7%, well above the national average of about 32%, indicating it serves a high share of low-income students. Strong fit profile is a focused, locally-rooted student who has a clear major in mind and needs the in-state pricing and small-campus scale to make the math work. Be honest about completion: at this rate, a meaningful share of students who enroll do not finish, and incomplete degrees produce the worst ROI of any path. Median earnings ten years out of $22,842 should be the honest yardstick for whether the price the family will actually pay (see the income-bracket breakdown below) leads to a workable post-graduation budget.

The Verdict: The Numbers Don't Add Up

Poor Value

The financial data raises serious concerns about Caribbean University-Carolina. With a net cost of $5,791 per year and median graduate earnings of only $22,842 ten years out, the estimated payback period exceeds >50 years. For most students, the financial return does not justify the cost.

Areas of concern include weak earnings relative to cost and a 44.4% graduation rate and concerning loan repayment rates and a long payback period.

Median debt of $10,500 against $22,842 in earnings is reasonable, though major choice matters significantly. Students in higher-earning programs will see better returns.

Rankings & Links

Guides & Tools

Data: College Scorecard API (U.S. Department of Education)

Vintage: 2024-2025 · Last updated: 2026-03-25

Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.