Endicott College
Beverly, Massachusetts · Private Nonprofit · 71.2% acceptance rate
ROI Score: 52/100 · Below Average Value
Data: 2024-25 College Scorecard release
Endicott College, a private nonprofit in Beverly, Massachusetts, scores 52 out of 100 on CampusROI and lands in the Below Average Value tier. The profile shows two clear strengths and one big weakness. Sticker tuition is $40,650 and the average net price is $40,654, essentially identical, meaning the school does very little need-based discounting on average. Four-year total cost is about $162,616. The strong points are the 75.6% six-year completion rate and an exceptional 89% repayment rate that holds at 92% by year seven, indicating borrowers stay current and make progress. Average earnings at six years are $45,100 climbing to a median $58,336 by year ten. Median debt of $27,000 produces a 0.599 debt-to-earnings ratio and a 13-year payback. The big drag is the earnings premium, which is only 14.4% above a high-school baseline despite Endicott's Boston-area location and strong nursing and business programs. The school works well for completers who can afford the sticker price, but the cost-to-earnings ratio is thin for borrowers at full pay.
Endicott College
Quick Numbers
| In-state tuition + fees | $40,650/yr |
| Out-of-state tuition + fees | $40,650/yr |
| Average net price | $40,654/yr |
| Total 4-year cost (net) | $162,616 |
| Median earnings (10yr post-entry) | $58,336 |
| Average earnings (6yr post-entry) | $45,100 |
| Median debt at graduation | $27,000 |
| Estimated monthly loan payment | $286 |
| Estimated payback period | 13 years |
| 6-year graduation rate | 75.6% |
| Undergraduate enrollment | 3,125 |
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: $40,650/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 $40,654/year, or roughly $162,616 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 $29,780/year here, while families earning over $110,000 pay $43,598/year.
Among graduates who borrowed, the median federal loan debt from this school is $27,000, which works out to about $286 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($45,100) and comes to 0.60, 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 | $29,780 |
| $30,001 - $48,000 | $29,447 |
| $48,001 - $75,000 | $32,235 |
| $75,001 - $110,000 | $36,925 |
| $110,001+ | $43,598 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 face a net price of $29,780 per year. Four years totals about $119,000 against $58,336 in ten-year median earnings. The financial math at this bracket is genuinely difficult.
Middle-income families ($30K-$110K)
Middle-income brackets escalate cleanly: $29,447 ($30,001-$48,000), $32,235 ($48,001-$75,000), and $36,925 ($75,001-$110,000). A small inversion between the lowest and second brackets ($29,780 vs $29,447) is within noise. The progression is consistent with modest need-based discounting layered on a relatively flat sticker.
Higher-income families ($110K+)
Households above $110,000 pay $43,598 a year, or roughly $174,400 over four years. With ten-year median earnings of $58,336, the payoff depends on landing a high-earnings major like nursing or accounting.
Earnings by Major
Top 10 most popular majors at Endicott College with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Registered Nursing | $93,307 | B+ |
| Kinesiology and Exercise Science | $57,691 | D |
| Business Administration, Management, and Operations | $79,846 | C |
| Marketing | $76,948 | C+ |
| Criminal Justice and Corrections | $58,605 | C |
| Psychology | $53,380 | C |
| Finance and Financial Management | $98,139 | B |
| Teacher Education | $58,749 | - |
| Hospitality Administration | $60,969 | C |
| Public Relations, Advertising, and Applied Communication | $77,253 | 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.
Registered Nursing
Nursing is the standout program with 112 graduates per year earning $78,594 in the first year and $93,307 by year four. Median debt is $27,000, producing a 0.344 debt-to-earnings ratio and a B+ ROI grade. Boston's healthcare market, including MGH, Brigham, Beth Israel, and the broader Mass General Brigham system, absorbs Endicott BSN graduates strongly. This is the single most defensible path at the school financially.
Accounting
Accounting graduates 12 students with $68,483 in first-year earnings climbing to an exceptional $107,497 by year four. Median debt is not reported. The four-year earnings figure suggests graduates are moving into Big Four firms or strong regional Boston accounting roles with CPA licensure.
Finance and Financial Management
Finance produces 35 graduates with $62,878 in first-year earnings rising to $98,139 by year four against $27,000 in median debt. The 0.429 debt-to-earnings ratio earns a B ROI grade. Boston's financial services employer base, including Fidelity, State Street, and dozens of asset managers, drives the strong mid-career figure. This is a defensible four-year choice for finance-track students.
Business Administration, Management, and Operations
Business Administration graduates 62 students with $48,214 in first-year earnings rising to $79,846 by year four against $26,913 in median debt. The 0.558 debt-to-earnings ratio earns a C ROI grade.
Kinesiology and Exercise Science
Kinesiology graduates 92 students, one of the largest programs by volume, with $30,338 in first-year earnings rising to $57,691 by year four against $27,000 in median debt. The 0.89 debt-to-earnings ratio earns a D ROI grade. As at most schools, kinesiology pays back only through graduate work in PT, OT, athletic training, or chiropractic. Students need a clear post-graduate pathway given the heavy debt-to-earnings ratio at the bachelor's level.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 86.0% | 68.8% |
| 3-year repayment | 89.0% | 73.6% |
| 5-year repayment | 89.1% | 67.7% |
| 7-year repayment | 91.7% | 72.8% |
Completion Rate
Trends Over Time
How Endicott 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
| Acceptance rate | 71.2% |
| SAT Math (25th-75th) | 583-660 |
| SAT Reading (25th-75th) | 610-680 |
| ACT Composite (25th-75th) | 25-30 |
| Enrollment | 3,125 |
| Pell Grant recipients | 13.0% |
| Avg faculty salary (monthly) | $11,416 |
Endicott admits 71.2% of applicants and reports SAT mid-ranges of 583-660 Math and 610-680 Reading, with ACT Composite of 25-30. Those are well above national medians and reflect an academically strong student body. The 71% admit rate paired with the 75.6% completion rate means Endicott admits students who finish at high rates.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Endicott College (this school) | 52 | $40,654 | $58,336 |
| Amherst College | 90 | $23,367 | $77,644 |
| Xavier University of Louisiana | 51 | $17,127 | $52,184 |
| Abilene Christian University | 51 | $26,182 | $55,736 |
| Biola University | 50 | $31,495 | $56,778 |
| American International College | 38 | $23,274 | $53,124 |
Who Thrives Here
With 3,125 students and a Pell rate of just 13.0%, Endicott serves a relatively affluent, predominantly New England residential student body in a beachside campus environment.
The Verdict: Proceed With Caution
The money case for Endicott College is mixed, and worth a hard look before you commit. At $40,654 per year after aid, the typical graduate earns $58,336 ten years after entry, which means it takes about 13 years to earn the cost back. For context, the median payback across the schools we score is about 12 years. Whether it's worth it comes down to your major and your aid package.
What it has going for it: its 75.6% graduation rate, high loan repayment success. What to keep an eye on: weak earnings relative to cost, a long payback period.
Median debt of $27,000 among graduates who borrowed, against average earnings of $45,100 six years after entry, gives a debt-to-earnings ratio of 0.60, under the 1.0 point at which debt would equal a full year of those earnings. Your major matters a lot here: graduates in higher-earning fields will see the better end of this.
Endicott College: Common Questions
Is Endicott College worth it?
In our view, the money case is mixed and worth a hard look before you commit. Endicott College scores 52/100 on our ROI scale. At $40,654 a year after aid the typical graduate earns $58,336 ten years after entry, so it takes about 13 years to earn the cost back. For context, the median payback across the schools we score is about 12 years.
How much does Endicott 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 $40,654 a year, or roughly $162,616 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 Endicott College graduates earn?
The typical graduate earns about $58,336 ten years after enrolling, roughly $16,536 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 Endicott 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 13 years for Endicott College. The median across the schools we track is about 12 years.
How much debt do Endicott College graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $27,000, against average earnings of $45,100 six years after entry - a debt-to-earnings ratio of 0.60. In our view that is reasonable, though your major matters: higher-earning fields will see the better end of it.
What is the graduation rate at Endicott College?
The six-year graduation rate is 75.6%, at or above the 64% national average for four-year schools (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.