Central Yeshiva Tomchei Tmimim Lubavitz
Brooklyn, New York · Private Nonprofit · 87.4% acceptance rate
ROI Score: 17/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Central Yeshiva Tomchei Tmimim Lubavitz, a private nonprofit religious institution in Brooklyn, NY, lands a 17 ROI score in the Below Benchmark tier. Past the modest $8,400 sticker tuition, net price runs $21,437 because aid is thin, and average earnings six years after entry are $29,800 (median earnings at 10 years are $35,023). The completion rate is 5.1%, which dominates the score and signals that this is an enrollment population whose pathways through the federal data system look nothing like a conventional bachelor's-seeking cohort. Payback period is reported at 9,815 years, which is the algorithm's polite way of saying earnings never recoup cost on a typical timeline. Median debt is not reported (most students appear to graduate without federal loan engagement), so our debt-to-earnings measure gets a neutral middle score of 50. Pell rate is 64% and enrollment is 863. Treat this profile less as a traditional ROI play and more as a religious-vocation institution where the federal earnings/completion lens captures little of the actual student experience.
How Central Yeshiva Tomchei Tmimim Lubavitz 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 Score17/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- 6-year graduation rate5.1% - 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 Yeshiva Tomchei Tmimim Lubavitz
Quick Numbers
| In-state tuition + fees | $8,400/yr |
| Out-of-state tuition + fees | $8,400/yr |
| Average net price | $21,437/yr |
| Total 4-year cost (net) | $85,748 |
| Median earnings (10yr post-entry) | $35,023 |
| Average earnings (6yr post-entry) | $29,800 |
| Median debt at graduation | N/A |
| Estimated monthly loan payment | N/A |
| Estimated payback period | >50 years |
| 6-year graduation rate | 5.1% |
| Undergraduate enrollment | 863 |
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: $8,400/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 $21,437/year, or roughly $85,748 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 $20,648/year here, while families earning over $110,000 pay $24,662/year.
The Department of Education does not report a median debt figure for this school, usually because too few students borrow federal loans for the figure to be published. Our ROI score gives this measure a neutral middle value rather than treating it as zero debt.
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 | $20,648 |
| $30,001 - $48,000 | $21,223 |
| $48,001 - $75,000 | $21,604 |
| $75,001 - $110,000 | $23,027 |
| $110,001+ | $24,662 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning $0-$30,000 pay a net price of $20,648, while $30,001-$48,000 households pay $21,223. Both brackets pay roughly 70-100% of their entire annual income for one year, an unworkable ratio without external funding. Given $29,800 average early earnings, low-income families should treat this as a religious-formation choice and not stretch household finances on the assumption of standard wage payback.
Middle-income families ($30K-$110K)
Middle-income families ($48,001-$110,000) pay between $21,604 and $23,027 net per year. The price barely moves across income bands - this institution offers minimal need-based discounting. With $35,023 ten-year median earnings, middle-income families are paying a private-college-grade net price for outcomes that don't justify it on standard ROI math.
Higher-income families ($110K+)
Households above $110,000 pay $24,662 - the highest bracket but only modestly above what low-income families pay. High-income families face a roughly $98,000 four-year out-of-pocket against $35,023 median earnings, which is a vocational, not financial, decision.
Earnings by Major
Top 1 most popular majors at Central Yeshiva Tomchei Tmimim Lubavitz with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Religion/Religious Studies | $24,179 | - |
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.
Religion/Religious Studies
Religion/Religious Studies is the only program reported, with 122 graduates and median first-year earnings of $9,428 - climbing to $24,179 four years post-graduation. Median debt is not reported and no ROI grade is assigned. These earnings reflect that graduates are largely entering religious-vocation roles (community teaching, congregational leadership) where compensation operates outside the typical labor market. Treat the earnings figures as informational about the federal data lens, not as a forecast for individual outcomes within the Lubavitch community structure.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | N/A | 68.8% |
| 3-year repayment | N/A | 73.6% |
| 5-year repayment | N/A | 67.7% |
| 7-year repayment | N/A | 72.8% |
Completion Rate
Trends Over Time
How Central Yeshiva Tomchei Tmimim Lubavitz’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
| Acceptance rate | 87.4% |
| Enrollment | 863 |
| Pell Grant recipients | 63.9% |
| Avg faculty salary (monthly) | $3,816 |
Admission rate is reported at 87.4%, which technically reads as nearly open admission, but standardized test scores are not reported in current Scorecard data and the institution's selectivity profile is essentially shaped by faith-tradition fit rather than academic gating. The very low recorded completion rate (5.1%) suggests the federal cohort definition does not match this student body's actual progression, so the admit-rate-to-completion correlation seen at conventional schools does not apply here.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Central Yeshiva Tomchei Tmimim Lubavitz (this school) | 17 | $21,437 | $35,023 |
| Kehilath Yakov Rabbinical Seminary | 33 | $3,822 | $36,442 |
| Hebrew Theological College | 27 | $26,861 | $33,291 |
| Machzikei Hadath Rabbinical College | 27 | $16,515 | $41,527 |
| Rabbinical College of America | 20 | $15,628 | $34,990 |
| Talmudical Seminary of Bobov | 20 | $2,840 | $22,432 |
Who Thrives Here
This is a fit only for students pursuing Lubavitch-tradition religious study who already understand the institution's purpose. Pell rate of 64% and enrollment of 863 suggest a low-income, faith-aligned student body. The 5.1% federal completion rate and $29,800 six-year earnings figure mean prospective students using ROI as a primary lens will see weak signals - but those signals say more about the misfit between federal college-tracking and yeshiva education than about the institution's value to its actual community.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Central Yeshiva Tomchei Tmimim Lubavitz scores 17/100, which falls in the Below Benchmark tier (below 45). At a net price of $21,437 per year, with typical graduate earnings of $35,023 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 5.1% graduation rate, a long payback period.
Central Yeshiva Tomchei Tmimim Lubavitz: Common Questions
Is Central Yeshiva Tomchei Tmimim Lubavitz worth it?
In our view, the financial case is a hard one to make on the numbers alone. Central Yeshiva Tomchei Tmimim Lubavitz scores 17/100 on our ROI scale, in the Below Benchmark tier (below 45). At $21,437 a year after aid against $35,023 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 Yeshiva Tomchei Tmimim Lubavitz 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 $21,437 a year, or roughly $85,748 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 Yeshiva Tomchei Tmimim Lubavitz graduates earn?
The typical graduate earns about $35,023 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 Yeshiva Tomchei Tmimim Lubavitz?
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 Yeshiva Tomchei Tmimim Lubavitz. The median across the schools we track is about 12 years.
What is the graduation rate at Central Yeshiva Tomchei Tmimim Lubavitz?
The six-year graduation rate is 5.1%. 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.