Northpoint Bible College
Haverhill, Massachusetts · Private Nonprofit
ROI Score: 21/100 · Poor Value
Northpoint Bible College scores 21 (Poor Value) on the CampusROI scale — one of the lowest scores in this dataset. Median 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. These figures mean the average Northpoint graduate carries debt equal to their annual salary, takes 32 years to financially break even on the credential, and earns barely above the national median for a worker without any college. The completion rate of 54.4% is below average. Enrollment is 86 students, making this one of the smallest institutions in this dataset. 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.
The data raises concerns about Northpoint Bible College
These metrics fall below the thresholds most financial advisors recommend for a sound college investment. Review them carefully before committing.
- ROI Score21/100 - Poor Value tier (below 45). Most 4-year schools we track score 60 or higher.
- Payback period32.5 years - Most 4-year schools we track have payback periods of 4-10 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 |
| Median 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 sticker price at Northpoint Bible College is $14,160/year. But sticker price isn't what most students pay. After grants, scholarships, and financial aid, the average student pays a net price of $23,635/year, or roughly $94,540 over four years.
That net price varies significantly by family income. The lowest-income families (under $30,000/year) pay an average of $23,323/year, while families earning over $110,000 pay N/A/year.
The median graduate leaves with $25,000 in federal loan debt, translating to an estimated monthly payment of $265 on a standard 10-year repayment plan. Against median earnings of $42,210 ten years out, the debt-to-earnings ratio is 1.00 - above the recommended threshold where total debt should not exceed first-year salary.
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 median 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, the financial math is difficult to justify by any ROI standard.
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. Debt equal to annual salary and year-one earnings just above $26k are the financial realities of a ministry credential from a small Assembly of God college. 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 | Nat'l Avg |
|---|---|---|
| 1-year repayment | 61.8% | 52.0% |
| 3-year repayment | 70.1% | 62.0% |
| 5-year repayment | 52.0% | 68.0% |
| 7-year repayment | 62.7% | 72.0% |
Completion Rate
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.
Northpoint's peer set includes American International College, Amherst College, Saint Joseph Seminary College, Caribbean University-Carolina, and Hebrew Theological College. This peer assignment appears algorithmically determined and does not reflect meaningful institutional comparisons. Among small Bible colleges and seminary-adjacent institutions in New England, Northpoint's financial profile is consistent with the sector: ministry credentials carry low market wages by Scorecard measures, and students enroll primarily for religious formation, not economic return.
| 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: The Numbers Don't Add Up
The financial data raises serious concerns about Northpoint Bible College. With a net cost of $23,635 per year and median graduate earnings of only $42,210 ten years out, the estimated payback period exceeds 32.5 years. For most students, the financial return does not justify the cost.
Areas of concern include weak earnings relative to cost and high debt relative to what graduates earn and concerning loan repayment rates and a long payback period.
Median debt of $25,000 against $42,210 in earnings is reasonable, though major choice matters significantly. Students in higher-earning programs will see better returns.
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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.