Central Christian College of the Bible
Moberly, Missouri · Private Nonprofit
ROI Score: 15/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Central Christian College of the Bible is a small, faith-centered institution in Moberly, Missouri, enrolling just 154 students and focused almost exclusively on Christian ministry preparation. The college's ROI score of 15 - rated Below Benchmark - reflects genuine financial risks that prospective students must weigh carefully. Average earnings six years after enrollment are $25,000. The completion rate of 22% is severely low: fewer than one in four students earns a degree within the standard timeframe. Median debt stands at $17,500, and the debt-to-earnings ratio of 0.70 indicates graduates owe 70 cents per dollar of annual income - a heavy load for ministry-track wages. On the credit side, the three-year loan repayment rate is 73%, suggesting borrowers who do graduate generally manage their debt obligations. Pell Grant recipients make up 46% of the student body, reflecting a mission to serve students with limited financial means. For students called to vocational ministry who understand that financial return is secondary to purpose, CCCB can fulfill that mission. But the data argue strongly for exhausting grant aid and keeping borrowing minimal before enrolling.
How Central Christian College of the Bible scores under our methodology
These are the College Scorecard measures that pull this school's CampusROI score down. They describe the published figures, not the quality of the education, and they are our reading of the data. Check them against your own aid offer and intended major.
- ROI Score15/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- 6-year graduation rate21.9% - The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our score, since a degree that is not finished rarely pays back.
- Payback period>50 years - In our estimate, the earnings premium over a high school completer is small next to the cost, so the cost may not be recouped within a working career.
Central Christian College of the Bible
Quick Numbers
| In-state tuition + fees | $12,200/yr |
| Out-of-state tuition + fees | $12,200/yr |
| Average net price | $14,356/yr |
| Total 4-year cost (net) | $57,424 |
| Median earnings (10yr post-entry) | $34,675 |
| Average earnings (6yr post-entry) | $25,000 |
| Median debt at graduation | $17,500 |
| Estimated monthly loan payment | $186 |
| Estimated payback period | >50 years |
| 6-year graduation rate | 21.9% |
| Undergraduate enrollment | 154 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $12,200/year, which covers tuition and fees only. The net price counts books, supplies, and average living costs on top of tuition and fees, then subtracts grants and scholarships. For the average student here it comes to $14,356/year, or roughly $57,424 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $10,548/year here, while families earning over $110,000 pay $16,886/year.
Among graduates who borrowed, the median federal loan debt from this school is $17,500, which works out to about $186 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($25,000) and comes to 0.70, under 1.0, meaning median debt is less than a full year of those earnings.
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $10,548 |
| $30,001 - $48,000 | $14,075 |
| $48,001 - $75,000 | N/A |
| $75,001 - $110,000 | $16,360 |
| $110,001+ | $16,886 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Students from families earning under $30,000 face a net price of roughly $10,548 per year, aided by Pell Grants. Even so, completing the degree matters enormously: with a 22% completion rate and wages near $25,000 at six years, students who withdraw carry debt without the credential. Those who can maximize grants and minimize loans face the most workable financial picture.
Middle-income families ($30K-$110K)
Middle-income students (roughly $30,000 - $75,000) pay net prices ranging from $14,075 to the mid-teens annually. At those costs against $25,000 in early earnings, the financial math is challenging. The debt-to-earnings ratio of 0.70 institution-wide suggests caution about borrowing above what grants cover. Ministry careers that include housing allowances or bi-vocational income can meaningfully improve the lived ROI.
Higher-income families ($110K+)
The total four-year cost of $57,424 at list net price is moderate in absolute terms, but the absence of a calculable payback period means the financial case rests entirely on vocational purpose, not economic return.
Earnings by Major
Top 1 most popular majors at Central Christian College of the Bible with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Pastoral Counseling and Specialized Ministries | $42,051 | C |
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.
Pastoral Counseling and Specialized Ministries
The only program with Scorecard earnings data shows four-year median earnings of $42,051 - a meaningful step up from the institution-wide six-year figure of $25,000. The debt-to-earnings ratio for this program is 0.618, and median debt is $26,000. The ROI grade of C reflects the modest earnings relative to borrowing, but graduates in ministry roles often supplement income through church support structures. The cohort of six graduates is very small, making these figures illustrative rather than statistically robust.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 64.0% | 68.8% |
| 3-year repayment | 72.5% | 73.6% |
| 5-year repayment | 57.8% | 67.7% |
| 7-year repayment | 61.8% | 72.8% |
Completion Rate
Trends Over Time
How Central Christian College of the Bible’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Enrollment | 154 |
| Pell Grant recipients | 46.1% |
| Avg faculty salary (monthly) | $4,557 |
No standardized test scores are published. Enrollment at 154 students suggests the college accepts most qualified applicants who demonstrate a faith commitment and academic readiness for college-level work. Prospective students should expect an interview or ministry-interest statement as part of the process.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Central Christian College of the Bible (this school) | 15 | $14,356 | $34,675 |
| Avila University | 51 | $16,053 | $52,773 |
| Trinity Bible College and Graduate School | 18 | $19,359 | $35,604 |
| Carolina College of Biblical Studies | 17 | $21,322 | $24,581 |
| Mission University | 15 | $21,383 | $38,641 |
| Crowley's Ridge College | 12 | $16,315 | $39,533 |
Who Thrives Here
Central Christian College of the Bible fits students with a clear calling to pastoral or specialized ministry who prioritize vocational discernment over earning potential. The small campus of 154 students means close mentorship and tight community. Prospective students should enter with realistic expectations: average wages of $25,000 at six years reflect the realities of ministry work rather than any institutional shortcoming. Families relying on income-based aid will find net prices starting near $10,548 for the lowest income band. This college is not a fit for students seeking a broad liberal arts foundation or competitive career earnings.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Central Christian College of the Bible scores 15/100, which falls in the Below Benchmark tier (below 45). At a net price of $14,356 per year, with typical graduate earnings of $34,675 ten years after entry, we estimate the payback period at more than 50 years. In our view that makes the financial case a hard one to make on the numbers alone, but those numbers are averages: your major, your aid package and what you want from a degree all change the picture, so run your own numbers before you commit.
What to keep an eye on: weak earnings relative to cost, its 21.9% graduation rate, a debt-to-earnings ratio of 0.70 (median across the schools we score: 0.61), a long payback period.
Median debt of $17,500 among graduates who borrowed, against average earnings of $25,000 six years after entry, gives a debt-to-earnings ratio of 0.70. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. Your major - and how much you borrow - really matters.
Central Christian College of the Bible: Common Questions
Is Central Christian College of the Bible worth it?
In our view, the financial case is a hard one to make on the numbers alone. Central Christian College of the Bible scores 15/100 on our ROI scale, in the Below Benchmark tier (below 45). At $14,356 a year after aid against $34,675 in typical earnings ten years out, we estimate the payback period at more than 50 years. Your major and aid package can change the picture, so run your own numbers.
How much does Central Christian College of the Bible cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $14,356 a year, or roughly $57,424 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Central Christian College of the Bible graduates earn?
The typical graduate earns about $34,675 ten years after enrolling, at or below the $41,800 median for high-school graduates (NCES, 2022). With little earnings gap to cover the cost, the financial return is hard to make.
How long does it take to pay off Central Christian College of the Bible?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at more than 50 years for Central Christian College of the Bible. The median across the schools we track is about 12 years.
How much debt do Central Christian College of the Bible graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $17,500, against average earnings of $25,000 six years after entry - a debt-to-earnings ratio of 0.70. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. How much you borrow really matters.
What is the graduation rate at Central Christian College of the Bible?
The six-year graduation rate is 21.9%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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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.