Florida College
Temple Terrace, Florida · Private Nonprofit · 69.7% acceptance rate
ROI Score: 44/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Florida College in Temple Terrace, Florida is a small Churches of Christ-affiliated private nonprofit that posts a Below Benchmark ROI score of 44/100. The structure shows a mission-driven school with mixed financial fundamentals. Tuition is $20,360 per year with a net price of $23,931 - notably, the net price exceeds tuition, reflecting room, board, and fees on top of relatively modest aid scaling. Four-year all-in cost is about $95,724. The big drag on the ROI score is the 27.9-year payback period and the meager 8.8% earnings premium over high-school grads - average earnings six years after entry are just $32,300, climbing to a median of only $43,445 at ten years. On the bright side: median debt is low at $12,000, the repayment rate is strong at 86.4%, and debt-to-earnings of 0.372 is healthy. This is a financial profile where students borrow little but also earn little. For families choosing Florida College, the rationale is overwhelmingly mission and religious-community fit; the labor-market case alone does not justify the price.
How Florida 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 Score44/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- Payback period27.9 years - The median payback across the schools we score is about 12 years.
Florida College
Quick Numbers
| In-state tuition + fees | $20,360/yr |
| Out-of-state tuition + fees | $20,360/yr |
| Average net price | $23,931/yr |
| Total 4-year cost (net) | $95,724 |
| Median earnings (10yr post-entry) | $43,445 |
| Average earnings (6yr post-entry) | $32,300 |
| Median debt at graduation | $12,000 |
| Estimated monthly loan payment | $127 |
| Estimated payback period | 27.9 years |
| 6-year graduation rate | 54.0% |
| Undergraduate enrollment | 588 |
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: $20,360/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 $23,931/year, or roughly $95,724 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 $20,494/year here, while families earning over $110,000 pay $29,396/year.
Among graduates who borrowed, the median federal loan debt from this school is $12,000, which works out to about $127 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($32,300) and comes to 0.37, which in our view is comfortably manageable.
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 | $20,494 |
| $30,001 - $48,000 | $19,241 |
| $48,001 - $75,000 | $19,530 |
| $75,001 - $110,000 | $25,004 |
| $110,001+ | $29,396 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay $20,494 per year net - which is essentially sticker price. Aid does not scale meaningfully for low-income families here. Four-year cost is $81,976. Against $43,445 ten-year earnings, the math is genuinely tough for lower-income households. The $30,001-$48,000 bracket pays $19,241 (a minor inversion - cheaper than the lowest bracket).
Middle-income families ($30K-$110K)
Middle-income brackets pay $19,530 to $25,004 - relatively flat across $48k-$110k income. Four-year cost runs $78,000-$100,000. The narrow aid spread is unusual and suggests Florida College does not heavily means-test institutional aid.
Higher-income families ($110K+)
Families above $110,000 pay $29,396 per year - exceeding the $20,360 sticker tuition because room/board adds substantially. Four-year all-in is $117,584. The financial case here rests entirely on community and mission fit; the economic returns do not justify this price point for full-pay families.
Earnings by Major
Top 3 most popular majors at Florida College with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Liberal Arts and Sciences | $39,764 | B |
| Business Administration, Management, and Operations | $61,597 | C+ |
| Health/Medical Preparatory Programs | $44,035 | - |
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.
Business Administration, Management, and Operations
Business administration (15 grads) earns $40,888 at year one and $61,597 at year four, with $18,750 median debt and a 0.459 debt-to-earnings ratio - a C+ ROI grade. The four-year earnings ramp is decent and reflects a workmanlike business curriculum. One of the few clearly defensible program-level financial cases at Florida College.
Liberal Arts and Sciences
Liberal arts (22 grads) reports $39,764 in four-year earnings with $17,653 debt and a 0.444 debt-to-earnings ratio - a B ROI grade, oddly higher than business despite weaker raw earnings. The strong grade reflects the low debt load. Many of these graduates likely pursue ministry, teaching, or graduate study within Churches of Christ institutions.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 84.8% | 68.8% |
| 3-year repayment | 86.4% | 73.6% |
| 5-year repayment | 77.3% | 67.7% |
| 7-year repayment | 80.6% | 72.8% |
Completion Rate
Trends Over Time
How Florida 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 | 69.7% |
| SAT Math (25th-75th) | 450-590 |
| SAT Reading (25th-75th) | 480-630 |
| ACT Composite (25th-75th) | 19-25 |
| Enrollment | 588 |
| Pell Grant recipients | 23.1% |
| Avg faculty salary (monthly) | $7,129 |
Florida College admits 69.66% of applicants. SAT mid-ranges are 450-590 math and 480-630 reading; ACT composite mid-range is 19-25. The moderate selectivity correlates reasonably with the 54% completion rate.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Florida College (this school) | 44 | $23,931 | $43,445 |
| Briar Cliff University | 46 | $23,907 | $54,475 |
| Barry University | 42 | $22,613 | $55,966 |
| Saint Elizabeth University | 41 | $23,125 | $53,038 |
| Parker University | 39 | $29,135 | $42,091 |
| Baptist University of Florida | 31 | $10,372 | $42,836 |
Who Thrives Here
Florida College enrolls just 588 students with a 23.1% Pell rate, indicating a moderately middle-class faith-community base. The fit is highly specific: students from Churches of Christ families seeking a small Christian liberal-arts environment with low borrowing.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Florida College scores 44/100, which falls in the Below Benchmark tier (below 45). At a net price of $23,931 per year, with typical graduate earnings of $43,445 ten years after entry, we estimate the payback period at about 27.9 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: manageable debt relative to earnings, high loan repayment success. What to keep an eye on: weak earnings relative to cost, a long payback period.
Median debt of $12,000 among graduates who borrowed, against average earnings of $32,300 six years after entry, gives a debt-to-earnings ratio of 0.37, 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.
Florida College: Common Questions
Is Florida College worth it?
In our view, the financial case is a hard one to make on the numbers alone. Florida College scores 44/100 on our ROI scale, in the Below Benchmark tier (below 45). At $23,931 a year after aid against $43,445 in typical earnings ten years out, we estimate the payback period at about 27.9 years. Your major and aid package can change the picture, so run your own numbers.
How much does Florida 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 $23,931 a year, or roughly $95,724 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 Florida College graduates earn?
The typical graduate earns about $43,445 ten years after enrolling, roughly $1,645 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 Florida 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 27.9 years for Florida College. The median across the schools we track is about 12 years.
How much debt do Florida College graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $12,000, against average earnings of $32,300 six years after entry - a debt-to-earnings ratio of 0.37. 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 Florida College?
The six-year graduation rate is 54.0%. 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.