Clear Creek Baptist Bible College
Pineville, Kentucky · Private Nonprofit
ROI Score: 31/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Clear Creek Baptist Bible College scores 31 (Below Benchmark). Sticker tuition is just $10,720 and the average net price is $10,949, putting four-year total cost at about $43,796. Average earnings six years out are $28,900 climbing to a median $41,623 by year ten. The earnings premium of 15.1% is modest, driving a 27.8-year modeled payback period. Scorecard does not report a median debt figure for the school, reflecting that students typically pay through cash, church sponsorship, and family support rather than federal loans, so our debt measure gets a neutral middle score of 50. The six-year completion rate of 38.5% is the lowest sub-score, and repayment metrics are imputed because debt data is sparse.
How Clear Creek Baptist Bible College 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 Score31/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- 6-year graduation rate38.5% - 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 period27.8 years - The median payback across the schools we score is about 12 years.
Clear Creek Baptist Bible College
Quick Numbers
| In-state tuition + fees | $10,720/yr |
| Out-of-state tuition + fees | $10,720/yr |
| Average net price | $10,949/yr |
| Total 4-year cost (net) | $43,796 |
| Median earnings (10yr post-entry) | $41,623 |
| Average earnings (6yr post-entry) | $28,900 |
| Median debt at graduation | N/A |
| Estimated monthly loan payment | N/A |
| Estimated payback period | 27.8 years |
| 6-year graduation rate | 38.5% |
| Undergraduate enrollment | 159 |
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: $10,720/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 $10,949/year, or roughly $43,796 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 $11,401/year here, while families earning over $110,000 pay N/A/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 | $11,401 |
| $30,001 - $48,000 | N/A |
| $48,001 - $75,000 | N/A |
| $75,001 - $110,000 | $8,237 |
| $110,001+ | N/A |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 face a net price of $11,401 per year, slightly higher than the institutional average net price. The pattern at Clear Creek likely reflects very small sample sizes (159 students total) rather than a meaningful pricing policy.
Middle-income families ($30K-$110K)
Middle-income brackets $30,001-$48,000 and $48,001-$75,000 are not reported, which makes any middle-income family planning difficult from published data alone. Families in those bands should request a personalized estimate from financial aid before assuming the institutional average applies.
Higher-income families ($110K+)
The $75,001-$110,000 bracket reports a net price of just $8,237, which is the lowest published figure on the page and lower than the lowest-income bracket. This is a clear data inversion and almost certainly reflects sample-size noise rather than systematic pricing. Households above $110,000 are not reported. Families in any high-income bracket should treat published figures as indicative only.
Earnings by Major
Top 1 most popular majors at Clear Creek Baptist Bible College with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Bible/Biblical Studies | $48,375 | - |
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.
Bible/Biblical Studies
Bible/Biblical Studies is the only documented program at Clear Creek, graduating 18 students per year. Four-year earnings reach $48,375, which is meaningfully higher than the institutional median and likely reflects graduates who move from ministry roles into church administration, denominational positions, or further graduate study at Southern Baptist seminaries. Debt and ROI grade are not reported because borrowing is so rare. The financial math works for this program precisely because most students do not borrow.
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 Clear Creek Baptist Bible College’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 | 159 |
| Pell Grant recipients | 44.9% |
| Avg faculty salary (monthly) | $4,702 |
Admission rate is not reported in current Scorecard data for Clear Creek. The school admits exclusively from students preparing for Baptist ministry, missions, and church-based education roles. SAT and ACT scores are not reported. The binding admissions criteria are religious calling, church endorsement, and pastoral recommendation rather than standardized academic metrics. Prospective students should expect a pastoral interview and statement-of-calling process.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Clear Creek Baptist Bible College (this school) | 31 | $10,949 | $41,623 |
| Northwest Nazarene University | 41 | $29,580 | $51,719 |
| Westminster College | 41 | $24,314 | $52,199 |
| Southwestern Adventist University | 41 | $22,778 | $52,946 |
| Eastern Nazarene College | 40 | $25,381 | $54,727 |
| Hobe Sound Bible College | 30 | $12,074 | $39,863 |
Who Thrives Here
With 159 students and a Pell rate of 44.9%, Clear Creek is a tiny, residential, Southern Baptist Bible college serving students called to pastoral ministry, missions, and Christian education. The fit is binary: students with a clear calling and home-church support seeking ministerial preparation. Standard ROI analysis is the wrong frame for evaluating this institution. The school's mission is preparing church leaders, not maximizing graduate earnings. Pell-eligible students should still note that the published net price is roughly equivalent to sticker, which is unusual.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Clear Creek Baptist Bible College scores 31/100, which falls in the Below Benchmark tier (below 45). At a net price of $10,949 per year, with typical graduate earnings of $41,623 ten years after entry, we estimate the payback period at about 27.8 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 38.5% graduation rate, a long payback period.
Clear Creek Baptist Bible College: Common Questions
Is Clear Creek Baptist Bible College worth it?
In our view, the financial case is a hard one to make on the numbers alone. Clear Creek Baptist Bible College scores 31/100 on our ROI scale, in the Below Benchmark tier (below 45). At $10,949 a year after aid against $41,623 in typical earnings ten years out, we estimate the payback period at about 27.8 years. Your major and aid package can change the picture, so run your own numbers.
How much does Clear Creek Baptist Bible College 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 $10,949 a year, or roughly $43,796 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 Clear Creek Baptist Bible College graduates earn?
The typical graduate earns about $41,623 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 Clear Creek Baptist Bible College?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 27.8 years for Clear Creek Baptist Bible College. The median across the schools we track is about 12 years.
What is the graduation rate at Clear Creek Baptist Bible College?
The six-year graduation rate is 38.5%. 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.
NewsletterCollege decisions are better with data.
From CampusROI, when there is something worth acting on.
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.