International Baptist College and Seminary
Chandler, Arizona · Private Nonprofit
ROI Score: 37/100 · Poor Value
International Baptist College and Seminary, a private nonprofit in Chandler, AZ, scores 37 on the ROI index in Poor Value tier. The data picture is sparse: median earnings at six years are not reported, the 10-year figure is $39,556, and no median debt or repayment data is available -- driving 80% data completeness. What is known: in-state tuition is $13,800, net price is $14,660 (net price slightly exceeds tuition, a flag indicating very low aid offset and notable add-on costs like books and living estimates), payback period is 43.6 years, and completion rate is an unusually high 87.5%. The earnings premium is just 7.8%, which is the binding constraint -- graduates earn only modestly above a high-school-only baseline. Enrollment is just 43 students, Pell rate 31%, and this functions as a denominationally-focused seminary serving a tiny cohort. Standard ROI metrics are noisy at this scale, and the institution's value should be evaluated on ministry-formation rather than wage-payback grounds.
The data raises concerns about International Baptist College and Seminary
These metrics fall below the thresholds most financial advisors recommend for a sound college investment. Review them carefully before committing.
- ROI Score37/100 - Poor Value tier (below 45). Most 4-year schools we track score 60 or higher.
- Payback period43.6 years - Most 4-year schools we track have payback periods of 4-10 years.
International Baptist College and Seminary
Quick Numbers
| In-state tuition + fees | $13,800/yr |
| Out-of-state tuition + fees | $13,800/yr |
| Average net price | $14,660/yr |
| Total 4-year cost (net) | $58,640 |
| Median earnings (10yr post-entry) | $39,556 |
| Median earnings (6yr post-entry) | N/A |
| Median debt at graduation | N/A |
| Estimated monthly loan payment | $0 |
| Estimated payback period | 43.6 years |
| 6-year graduation rate | 87.5% |
| Undergraduate enrollment | 43 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The sticker price at International Baptist College and Seminary is $13,800/year. But sticker price isn't what most students pay. After grants, scholarships, and financial aid, the average student pays a net price of $14,660/year, or roughly $58,640 over four years.
That net price varies significantly by family income. The lowest-income families (under $30,000/year) pay an average of $13,703/year, while families earning over $110,000 pay N/A/year.
The median graduate leaves with N/A in federal loan debt, translating to an estimated monthly payment of $0 on a standard 10-year repayment plan. Against median earnings of $39,556 ten years out, the debt-to-earnings ratio is N/A - (insufficient data to assess).
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 | $13,703 |
| $30,001 - $48,000 | N/A |
| $48,001 - $75,000 | $15,617 |
| $75,001 - $110,000 | N/A |
| $110,001+ | N/A |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Households at $0-$30,000 pay $13,703 net -- modest in absolute terms and the lowest reported bracket. The $30,001-$48,000 bracket is not reported. For low-income families, the cost is workable, but the unreported six-year earnings figure makes payback timeline impossible to verify. The 43.6-year reported payback is a bad signal regardless.
Middle-income families ($30K-$110K)
Only the $48,001-$75,000 band is reported at $15,617 -- modestly above the lowest band. The other middle-income bands are not reported, which makes specific guidance impossible. Net price slightly exceeds tuition, suggesting fees and living-cost add-ons rather than aid generosity.
Higher-income families ($110K+)
Net price for $75,001-$110,000 and $110,001+ is not reported. With a sticker tuition of $13,800 and modest scholarship structure, high-income families likely pay close to that figure plus fees -- a relatively affordable price for a private school but justified only on ministry-formation grounds.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Nat'l Avg |
|---|---|---|
| 1-year repayment | N/A | 52.0% |
| 3-year repayment | N/A | 62.0% |
| 5-year repayment | N/A | 68.0% |
| 7-year repayment | N/A | 72.0% |
Completion Rate
Admissions Snapshot
| Enrollment | 43 |
| Pell Grant recipients | 31.0% |
| Avg faculty salary (monthly) | $5,163 |
Admission rate is not reported in current Scorecard data, and standardized test scores are also unreported. With only 43 students enrolled, the institution operates more like a faith-formation cohort than a competitive admissions environment. The 87.5% completion rate -- among the highest in this batch -- suggests that students who enroll are pre-committed to the seminary path and persist accordingly, which is more meaningful than any admit-rate signal would be at this scale.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
Peer institutions include Embry-Riddle Aeronautical University-Prescott, Prescott College, Conception Seminary College, American Baptist College, and Allegheny Wesleyan College. The match is dominated by Arizona-region small schools and similar religious-formation institutions. American Baptist College and Allegheny Wesleyan are the closest functional peers -- both small Bible/seminary colleges with sparse earnings data and similar Poor Value tier scores. International Baptist's 37 score is roughly aligned with these denominational peers.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| International Baptist College and Seminary (this school) | 37 | $14,660 | $39,556 |
| Huntington University | 38 | $19,310 | $46,672 |
| Houghton University | 38 | $20,519 | $46,721 |
| Cornerstone University | 37 | $20,301 | $47,314 |
| Oklahoma Baptist University | 37 | $20,958 | $48,434 |
| Milligan University | 37 | $21,365 | $46,641 |
Who Thrives Here
Fits students called to Baptist ministry or seminary preparation who have a clear vocational path through the school's affiliated network of churches. Enrollment of 43 means a deeply small cohort; the 31% Pell rate suggests the student base is mostly middle-income religiously-affiliated families. The 87.5% completion rate confirms that those who enroll are mission-aligned and finish. The unreported earnings and debt data should be treated as a data-availability artifact (small sample) rather than a hidden risk.
The Verdict: The Numbers Don't Add Up
The financial data raises serious concerns about International Baptist College and Seminary. With a net cost of $14,660 per year and median graduate earnings of only $39,556 ten years out, the estimated payback period exceeds 43.6 years. For most students, the financial return does not justify the cost.
Key strengths include a 87.5% graduation rate. However, the data also shows weak earnings relative to cost and a long payback period.
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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.