Northpoint Bible College
Haverhill, Massachusetts · Private Nonprofit
ROI Score: 21/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Northpoint Bible College scores 21 (Below Benchmark) on the CampusROI scale. Average 6-year earnings are $25,000 against a net price of $23,635 and $25,000 in median debt, producing a 32.5-year payback period and a debt-to-earnings ratio of exactly 1.0. Enrollment is 86 students. The Pell grant rate of 51.1% indicates a majority of students receive federal need-based aid. Scorecard does not report admission rate or test score ranges. The only Scorecard-reported program is Bible/Biblical Studies (23 graduates, $26,859 year-one, ROI grade F, debt-to-earnings ratio of 1.005). This is an institution built for vocational Christian ministry, not financial returns.
How Northpoint Bible 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 Score21/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- Payback period32.5 years - The median payback across the schools we score is about 12 years.
Northpoint Bible College
Quick Numbers
| In-state tuition + fees | $14,160/yr |
| Out-of-state tuition + fees | $14,160/yr |
| Average net price | $23,635/yr |
| Total 4-year cost (net) | $94,540 |
| Median earnings (10yr post-entry) | $42,210 |
| Average earnings (6yr post-entry) | $25,000 |
| Median debt at graduation | $25,000 |
| Estimated monthly loan payment | $265 |
| Estimated payback period | 32.5 years |
| 6-year graduation rate | 54.4% |
| Undergraduate enrollment | 86 |
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: $14,160/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 $23,635/year, or roughly $94,540 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 $23,323/year here, while families earning over $110,000 pay N/A/year.
Among graduates who borrowed, the median federal loan debt from this school is $25,000, which works out to about $265 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($25,000) and comes to 1.00, 1.0 or higher, meaning median debt is at least 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 | $23,323 |
| $30,001 - $48,000 | $18,307 |
| $48,001 - $75,000 | $29,902 |
| $75,001 - $110,000 | N/A |
| $110,001+ | N/A |
Cost by Income Bracket Explained
Lower-income families (under $30K)
The 0-30000 income bracket pays $23,323 per year at Northpoint. Four-year cost around $93,300 against $25,000 average 6-year earnings is an extreme financial burden. Low-income students borrowing to attend Northpoint will carry substantial debt relative to ministry-sector wages. The 54.4% completion rate adds attrition risk on top of the earnings-debt mismatch.
Middle-income families ($30K-$110K)
The 48001-75000 bracket pays $29,902 per year. Scorecard does not report data for the 75001-110000 or 110001+ income brackets, likely due to small sample sizes. At $30,000/year for a program producing $25,000-$35,000 in annual earnings, that puts annual cost and annual earnings in the same range.
Higher-income families ($110K+)
Scorecard does not report net price data for the 75001-110000 or 110001+ income brackets at Northpoint Bible College, likely due to small enrollment in those brackets. Full-pay costs would approach or exceed $14,160 in sticker tuition plus fees and living expenses.
Earnings by Major
Top 1 most popular majors at Northpoint Bible College with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Bible/Biblical Studies | $35,108 | F |
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.
Bible/Biblical Studies
Bible/Biblical Studies is Northpoint's only Scorecard-reported program: 23 graduates, $26,859 year-one, $35,108 at year four, ROI grade F, debt-to-earnings ratio of 1.005 with $27,000 median debt. Students enrolling in this program are pursuing a vocational calling, not financial returns. The Scorecard data confirms that the economic ROI is poor; this should be known and accepted before enrolling.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 61.8% | 68.8% |
| 3-year repayment | 70.1% | 73.6% |
| 5-year repayment | 52.0% | 67.7% |
| 7-year repayment | 62.7% | 72.8% |
Completion Rate
Trends Over Time
How Northpoint Bible 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
| Enrollment | 86 |
| Pell Grant recipients | 51.1% |
| Avg faculty salary (monthly) | $3,491 |
Scorecard does not report an admission rate or test score ranges for Northpoint Bible College. The institution's small enrollment (86 students) and ministry focus suggest that admission is primarily filtered by mission alignment rather than academic selectivity.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Northpoint Bible College (this school) | 21 | $23,635 | $42,210 |
| Amherst College | 90 | $23,367 | $77,644 |
| American International College | 38 | $23,274 | $53,124 |
| Hebrew Theological College | 27 | $26,861 | $33,291 |
| Saint Joseph Seminary College | 25 | $45,460 | $38,366 |
| Caribbean University-Carolina | 18 | $5,791 | $22,842 |
Who Thrives Here
Northpoint Bible College serves a very small enrollment of 86 students in Haverhill, Massachusetts. Scorecard does not report admission rate or standardized test ranges. The Pell grant rate of 51.1% suggests the majority of students have demonstrated financial need. Northpoint is an Assembly of God-affiliated school focused on ministry preparation. Students considering Northpoint should understand that the financial data indicates very poor economic returns on investment, and the institution's value is primarily spiritual and vocational in the ministry context.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Northpoint Bible College scores 21/100, which falls in the Below Benchmark tier (below 45). At a net price of $23,635 per year, with typical graduate earnings of $42,210 ten years after entry, we estimate the payback period at about 32.5 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 to keep an eye on: weak earnings relative to cost, a debt-to-earnings ratio of 1.00 (median across the schools we score: 0.61), a three-year loan repayment rate of 70.1% (median across the schools we score: 73.6%), a long payback period.
Median debt of $25,000 among graduates who borrowed, against average earnings of $25,000 six years after entry, gives a debt-to-earnings ratio of 1.00. That is 1.0 or higher, meaning median debt is at least a full year of those earnings, so your major - and how much you borrow - really matters.
Northpoint Bible College: Common Questions
Is Northpoint Bible College worth it?
In our view, the financial case is a hard one to make on the numbers alone. Northpoint Bible College scores 21/100 on our ROI scale, in the Below Benchmark tier (below 45). At $23,635 a year after aid against $42,210 in typical earnings ten years out, we estimate the payback period at about 32.5 years. Your major and aid package can change the picture, so run your own numbers.
How much does Northpoint Bible 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 $23,635 a year, or roughly $94,540 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 Northpoint Bible College graduates earn?
The typical graduate earns about $42,210 ten years after enrolling, roughly $410 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 Northpoint Bible 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 32.5 years for Northpoint Bible College. The median across the schools we track is about 12 years.
How much debt do Northpoint Bible College graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $25,000, against average earnings of $25,000 six years after entry - a debt-to-earnings ratio of 1.00. That is 1.0 or higher, meaning median debt is at least a full year of those earnings, so how much you borrow really matters.
What is the graduation rate at Northpoint Bible College?
The six-year graduation rate is 54.4%. 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.