College of Biblical Studies-Houston
Houston, Texas · Private Nonprofit
ROI Score: 43/100 · Below Benchmark
Data: 2024-25 College Scorecard release
College of Biblical Studies-Houston earns a CampusROI score of 43 (Below Benchmark tier). The data here is unusual: sticker tuition is $9,350 but the reported net price is just $672 - an extraordinary 93% discount that almost certainly reflects heavy denominational scholarship support and the school's adult-learner/working-student model. The earnings premium subscore of 99 (raw 1.585) is striking - the school's graduates earn substantially more than baseline, likely because most enroll while already working in ministry or professional roles. However, the 33.5-year payback period (subscore 15) signals that despite high earnings premium, debt accumulation outruns the wage gain in standard ROI math. Median debt of $25,570 against $35,500 in earnings six years out produces a 0.72 debt-to-earnings ratio. Completion is 40% (subscore 21) and three-year repayment is 51.6% (subscore 10) - borrowers fall behind. The combination of near-zero net price and strong earnings premium but weak repayment performance suggests the data reflects an adult-learner population whose financing patterns don't fit traditional four-year-college ROI models.
How College of Biblical Studies-Houston 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 Score43/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- Payback period33.5 years - The median payback across the schools we score is about 12 years.
College of Biblical Studies-Houston
Quick Numbers
| In-state tuition + fees | $9,350/yr |
| Out-of-state tuition + fees | $9,350/yr |
| Average net price | $672/yr |
| Total 4-year cost (net) | $2,688 |
| Median earnings (10yr post-entry) | $39,260 |
| Average earnings (6yr post-entry) | $35,500 |
| Median debt at graduation | $25,570 |
| Estimated monthly loan payment | $271 |
| Estimated payback period | 33.5 years |
| 6-year graduation rate | 40.0% |
| Undergraduate enrollment | 419 |
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: $9,350/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $672/year, or roughly $2,688 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 $672/year here, while families earning over $110,000 pay N/A/year. If money is tight, that matters: this school gives low-income students enough aid to land well below the sticker price.
Among graduates who borrowed, the median federal loan debt from this school is $25,570, which works out to about $271 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($35,500) and comes to 0.72, 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 | $672 |
| $30,001 - $48,000 | N/A |
| $48,001 - $75,000 | N/A |
| $75,001 - $110,000 | N/A |
| $110,001+ | N/A |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning $0-30,000 pay $672 per year - essentially free, totaling $2,688 over four years. With $35,500 in early-career earnings, low-income students see exceptional cost efficiency. The 33.5-year payback in the school-wide data reflects students who do take on debt (median $25,570 reported); those funded entirely by scholarships or church support face a fundamentally different math.
Middle-income families ($30K-$110K)
Middle-income brackets ($30,001-110,000) show null values for net price - no reported data. This is a data anomaly worth flagging: the school's aid model may be concentrated at the lowest-income tier, or middle-income students may simply not be a meaningful population at this school. Prospective middle-income applicants should request a custom net-price estimate before enrolling.
Higher-income families ($110K+)
Net price for families above $110,000 is also unreported - null in the data. The single reported bracket (0-30,000) at $672 suggests the school's pricing structure may simply not apply to higher-income students who don't qualify for the low-income discount. Adult learners using employer or church tuition support fall outside standard income-bracket reporting.
Earnings by Major
Top 2 most popular majors at College of Biblical Studies-Houston with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Theological and Ministerial Studies | $47,781 | C+ |
| Religious Education | $45,822 | - |
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.
Theological and Ministerial Studies
Theological and Ministerial Studies produces an unreported number of graduates with year-one earnings of $47,781, median debt of $22,673, and a 0.475 debt-to-earnings ratio yielding a C+ ROI grade. The strong year-one earnings reflect the typical adult-learner profile - most students are already employed in ministry roles when they enroll. Career paths feed into pastoral roles, chaplaincy, and faith-based nonprofit leadership. The relatively modest debt load combined with already-established income makes this the school's most defensible program track.
Religious Education
Religious Education shows four-year median earnings of $45,822 but year-one earnings, debt, and ROI grade are unreported. The four-year earnings figure suggests typical religious-education roles in church settings, parochial schools, or denominational publishing. With limited reported data, prospective students should request specific program outcomes data directly from CBS before enrolling.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 49.2% | 68.8% |
| 3-year repayment | 51.6% | 73.6% |
| 5-year repayment | 47.6% | 67.7% |
| 7-year repayment | 46.8% | 72.8% |
Completion Rate
Trends Over Time
How College of Biblical Studies-Houston’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 | 419 |
| Pell Grant recipients | 38.2% |
| Avg faculty salary (monthly) | $5,430 |
Admission rate is not reported in current Scorecard data, consistent with the school's adult-learner enrollment model where 'admission' is often conditional on church endorsement or vocational ministry credentials rather than traditional academic gates. SAT/ACT data are likewise unreported. The 40% completion rate suggests significant attrition typical of adult-learner programs where students often pause for work or family reasons.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
CBS-Houston's ROI is 43 and its net price is near zero.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| College of Biblical Studies-Houston (this school) | 43 | $672 | $39,260 |
| Abilene Christian University | 51 | $26,182 | $55,736 |
| Sweet Briar College | 44 | $17,758 | $51,943 |
| Northwest University-Center for Online and Extended Education | 44 | $35,671 | $54,914 |
| Faith Baptist Bible College and Theological Seminary | 42 | $16,282 | $40,650 |
| Arlington Baptist University | 14 | $24,906 | $44,644 |
Who Thrives Here
CBS-Houston serves a specific population: Houston-area adult learners pursuing ministerial credentials or religious-education degrees, often while working in vocational ministry. Enrollment of 419 students with a 38.2% Pell rate indicates a mixed-income adult-learner population. Strong-fit students are those with clear ministry vocations, often church-supported financially, where the credential is required for advancement within their denomination. For traditional 18-22 year-old students, the school's outcomes data and program mix offer limited value; for working adults in ministry roles, the near-zero net price makes the math defensible despite the long payback period.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, College of Biblical Studies-Houston scores 43/100, which falls in the Below Benchmark tier (below 45). At a net price of $672 per year, with typical graduate earnings of $39,260 ten years after entry, we estimate the payback period at about 33.5 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 it has going for it: a strong earnings premium over high school graduates. What to keep an eye on: its 40.0% graduation rate, a debt-to-earnings ratio of 0.72 (median across the schools we score: 0.61), a three-year loan repayment rate of 51.6% (median across the schools we score: 73.6%), a long payback period.
Median debt of $25,570 among graduates who borrowed, against average earnings of $35,500 six years after entry, gives a debt-to-earnings ratio of 0.72. 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.
College of Biblical Studies-Houston: Common Questions
Is College of Biblical Studies-Houston worth it?
In our view, the financial case is a hard one to make on the numbers alone. College of Biblical Studies-Houston scores 43/100 on our ROI scale, in the Below Benchmark tier (below 45). At $672 a year after aid against $39,260 in typical earnings ten years out, we estimate the payback period at about 33.5 years. Your major and aid package can change the picture, so run your own numbers.
How much does College of Biblical Studies-Houston 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 $672 a year, or roughly $2,688 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 College of Biblical Studies-Houston graduates earn?
The typical graduate earns about $39,260 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 College of Biblical Studies-Houston?
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 33.5 years for College of Biblical Studies-Houston. The median across the schools we track is about 12 years.
How much debt do College of Biblical Studies-Houston graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $25,570, against average earnings of $35,500 six years after entry - a debt-to-earnings ratio of 0.72. 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 College of Biblical Studies-Houston?
The six-year graduation rate is 40.0%. 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.