Eastern Nazarene College
Quincy, Massachusetts · Private Nonprofit
ROI Score: 40/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Eastern Nazarene College in Quincy, Massachusetts posts a 40/100 ROI score in our Below Benchmark tier - though the school's profile carries significant data anomalies worth flagging upfront. The reported enrollment of 23 students is unusual and likely reflects a Scorecard reporting issue or a student-body that has shrunk dramatically. Sticker tuition of $29,924 reduced to a $25,381 net price pushes four-year cost to $101,524. Earnings of $39,100 six years out climb to $54,727 by year ten, producing a 19.4% earnings premium. Median debt of $26,000 yields a debt-to-earnings ratio of 0.67, and the 12.2-year payback period is moderate. The 39.3% completion rate is the school's biggest weakness - fewer than 4 in 10 students finish in the tracked window. The three-year repayment rate of 76.5% is solid. With a 31.9% Pell rate and the suspect enrollment figure, ENC's data should be treated with caution; prospective students should consult ENC directly for current enrollment and aid figures before treating any of these numbers as definitive.
How Eastern Nazarene 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 Score40/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- 6-year graduation rate39.3% - 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.
Eastern Nazarene College
Quick Numbers
| In-state tuition + fees | $29,924/yr |
| Out-of-state tuition + fees | $29,924/yr |
| Average net price | $25,381/yr |
| Total 4-year cost (net) | $101,524 |
| Median earnings (10yr post-entry) | $54,727 |
| Average earnings (6yr post-entry) | $39,100 |
| Median debt at graduation | $26,000 |
| Estimated monthly loan payment | $276 |
| Estimated payback period | 12.2 years |
| 6-year graduation rate | 39.3% |
| Undergraduate enrollment | 23 |
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: $29,924/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $25,381/year, or roughly $101,524 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 $21,523/year here, while families earning over $110,000 pay $27,565/year.
Among graduates who borrowed, the median federal loan debt from this school is $26,000, which works out to about $276 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($39,100) and comes to 0.67, 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 | $21,523 |
| $30,001 - $48,000 | $28,248 |
| $48,001 - $75,000 | $25,637 |
| $75,001 - $110,000 | $26,913 |
| $110,001+ | $27,565 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families under $30,000 pay $21,523 net - high relative to income. Across four years that's $86,092 against $39,100 graduate earnings. The 76.5% repayment rate suggests Pell-eligible borrowers do work down their balances, but the four-year cost is a significant lift for low-income families.
Middle-income families ($30K-$110K)
The brackets show an inversion: $30,001 - $48,000 pays $28,248 but $48,001 - $75,000 pays $25,637 - that's about $2,600 LESS for higher income. This likely reflects sample-size noise from the small student body. The $75,001 - $110,000 bracket pays $26,913. Run ENC's net price calculator directly rather than relying on these published brackets.
Higher-income families ($110K+)
Families above $110,000 pay $27,565 - about $110,260 across four years, modestly above the published $101,524 total cost figure.
Earnings by Major
Top 5 most popular majors at Eastern Nazarene College with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Psychology | $51,277 | C |
| Business Administration, Management, and Operations | $70,517 | C |
| Liberal Arts and Sciences | $48,044 | C |
| Biology | $26,138 | F |
| Teacher Education | $56,885 | 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.
Psychology
Psychology is ENC's largest reported program with 14 graduates. Four-year earnings of $51,277 against $28,998 median debt yield a 0.57 debt-to-earnings ratio (C grade). For a small Christian-college psychology program, the four-year earnings figure is reasonable, suggesting graduates feed into counseling, ministry-counseling, and clinical track graduate programs at moderate rates.
Business Administration, Management, and Operations
Business Admin graduates 10 students with first-year earnings of $51,345 climbing to $70,517 by year four. Median debt of $30,170 yields a 0.59 debt-to-earnings ratio (C grade). The strongest financial trajectory in ENC's program data, reflecting Boston-area placement opportunities for graduates who leverage internship networks. This is the program with the cleanest value proposition at ENC's price point.
Teacher Education
Teacher Education graduates 3 students - small cohort. Four-year earnings of $56,885 against $28,281 median debt yield a 0.50 debt-to-earnings ratio (C+ grade). Massachusetts teacher salary schedules support reasonable earnings; the small cohort makes individual outcomes highly variable and the population statistics noisy.
Biology
Biology graduates 4 students with first-year earnings of $26,138 against $27,000 median debt - a 1.03 debt-to-earnings ratio (F grade). Like most bio programs, the bachelor's-only path is structurally weak; students typically need graduate or professional school credentials to monetize the major. The small cohort makes statistics unreliable.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 71.7% | 68.8% |
| 3-year repayment | 76.5% | 73.6% |
| 5-year repayment | 68.9% | 67.7% |
| 7-year repayment | 74.6% | 72.8% |
Completion Rate
Trends Over Time
How Eastern Nazarene College’s cost and outcomes have moved across College Scorecard releases (2009-2023).
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 | 23 |
| Pell Grant recipients | 31.9% |
| Avg faculty salary (monthly) | $6,347 |
Admission rate, SAT, and ACT figures are not reported in current Scorecard data for Eastern Nazarene - likely a function of the small reported enrollment combined with the school's Christian-affiliated holistic admission process. Without published selectivity, prospective students should focus on the 39.3% completion rate as the key signal: getting in is straightforward, but a substantial share of enrolled students do not finish. Visit campus, talk to current students, and verify the institution's operational status before committing.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Eastern Nazarene College (this school) | 40 | $25,381 | $54,727 |
| Central Baptist College | 40 | $12,287 | $46,789 |
| Oklahoma Christian University | 40 | $21,872 | $49,203 |
| East Texas Baptist University | 40 | $23,911 | $52,788 |
| Appalachian Bible College | 40 | $11,579 | $37,467 |
| Hobe Sound Bible College | 30 | $12,074 | $39,863 |
Who Thrives Here
The 31.9% Pell rate suggests a moderately need-eligible population. The reported 23-student enrollment is implausible as a current operational figure; prospective students should verify the school's current size and program offerings directly. Strong outcomes for the small Business Administration cohort ($51,345 first-year earnings); other tracks see more modest results. Students considering ENC should weigh whether the Christian-college experience justifies the $101,524 four-year cost.
The Verdict, Historically: Below Benchmark Under Our Scoring
Eastern Nazarene College ceased academic operations in 2025. The assessment below describes how this school performed while it was operating, and is not a recommendation about where to enroll now.
Under our methodology, Eastern Nazarene College scores 40/100, which falls in the Below Benchmark tier (below 45). At a net price of $25,381 per year, with typical graduate earnings of $54,727 ten years after entry, we estimate the payback period at about 12.2 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 39.3% graduation rate, a debt-to-earnings ratio of 0.67 (median across the schools we score: 0.61).
Median debt of $26,000 among graduates who borrowed, against average earnings of $39,100 six years after entry, gives a debt-to-earnings ratio of 0.67. 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.
If you borrowed to attend, check closed school discharge first.
Federal student loans can sometimes be discharged in full if your school closed while you were enrolled or shortly after you withdrew. Eligibility depends on your withdrawal date and whether you completed your program or transferred the credits. Refinancing federal loans into a private loan gives up this and every other federal protection permanently, so check discharge before you refinance anything.
Eastern Nazarene College: Common Questions
Is Eastern Nazarene College worth it?
In our view, the financial case is a hard one to make on the numbers alone. Eastern Nazarene College scores 40/100 on our ROI scale, in the Below Benchmark tier (below 45). At $25,381 a year after aid against $54,727 in typical earnings ten years out, we estimate the payback period at about 12.2 years. Your major and aid package can change the picture, so run your own numbers.
How much does Eastern Nazarene 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 $25,381 a year, or roughly $101,524 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 Eastern Nazarene College graduates earn?
The typical graduate earns about $54,727 ten years after enrolling, roughly $12,927 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off Eastern Nazarene 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 12.2 years for Eastern Nazarene College. The median across the schools we track is about 12 years.
How much debt do Eastern Nazarene College graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $26,000, against average earnings of $39,100 six years after entry - a debt-to-earnings ratio of 0.67. 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 Eastern Nazarene College?
The six-year graduation rate is 39.3%. 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.