The College of Westchester
White Plains, New York · Private For-Profit · 94.4% acceptance rate
ROI Score: 15/100 · Below Benchmark
Data: 2024-25 College Scorecard release
The College of Westchester, a small for-profit in White Plains, NY focused on business and health-administration programs, scores 15 out of 100, with a Below Benchmark rating. The headlines are stark: 37.7% completion (worse than 6 in 10 entering students do not finish), $29,700 average earnings six years after entry, $26,967 median debt, and a 0.908 debt-to-earnings ratio that puts most borrowers at the edge of what is repayable. Payback period is 28.4 years. The repayment-rate sub-score of 2 (just 35% reducing principal) is the worst signal: nearly two-thirds of borrowers are not making meaningful progress on their loans. Net price is $16,296 against a $25,191 sticker tuition; four-year total cost is $65,184. The 0.111 earnings premium is essentially flat. Every program on file produces a D or F grade.
How The College of Westchester 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 Score15/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- 6-year graduation rate37.6% - The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our score, since a degree that is not finished rarely pays back.
- Payback period28.4 years - The median payback across the schools we score is about 12 years.
The College of Westchester
Quick Numbers
| In-state tuition + fees | $25,191/yr |
| Out-of-state tuition + fees | $25,191/yr |
| Average net price | $16,296/yr |
| Total 4-year cost (net) | $65,184 |
| Median earnings (10yr post-entry) | $42,215 |
| Average earnings (6yr post-entry) | $29,700 |
| Median debt at graduation | $26,967 |
| Estimated monthly loan payment | $286 |
| Estimated payback period | 28.4 years |
| 6-year graduation rate | 37.6% |
| Undergraduate enrollment | 759 |
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: $25,191/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $16,296/year, or roughly $65,184 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 $15,129/year here, while families earning over $110,000 pay $24,909/year.
Among graduates who borrowed, the median federal loan debt from this school is $26,967, 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 ($29,700) and comes to 0.91, 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 | $15,129 |
| $30,001 - $48,000 | $16,279 |
| $48,001 - $75,000 | $17,261 |
| $75,001 - $110,000 | $20,617 |
| $110,001+ | $24,909 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families under $30,000 pay $15,129 net annually - the institution offers minimal institutional aid, and Pell + NY Tuition Assistance Program (TAP) cover only a fraction. Four-year exposure of about $61,000 against $29,700 average earnings is a structural mismatch. This is the income tier where TCW is hardest to defend.
Middle-income families ($30K-$110K)
The $48,001-$75,000 bracket pays $17,261, and $75,001-$110,000 pays $20,617. Four-year cost runs $69,000-$82,000 across mid brackets. With earnings outcomes that don't justify the price, middle-income families face real repayment pressure if their student enrolls.
Higher-income families ($110K+)
Households above $110,000 pay $24,909 net per year - effectively sticker. Four-year cost approaches $100,000 against weak earnings.
Earnings by Major
Top 4 most popular majors at The College of Westchester with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Health and Medical Administrative Services | $48,472 | D |
| Business Administration, Management, and Operations | $53,826 | F |
| Visual and Performing Arts | $20,163 | - |
| Accounting | $59,123 | D |
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.
Health and Medical Administrative Services
Health/Medical Admin is TCW's largest program at 38 graduates: $49,755 first-year earnings (decent), but earnings are essentially flat through year four at $48,472, and median debt is $41,712 - producing a 0.838 debt-to-earnings ratio and a D grade. The high debt relative to flat earnings creates a structural repayment problem. Students should pressure-test community-college pathways into the same career.
Business Administration, Management, and Operations
Business admin produces 34 graduates with $38,391 first-year earnings rising to $53,826 by year four, but $38,714 median debt and a 1.008 debt-to-earnings ratio earning an F grade. The debt level here is the binding constraint - students borrow more than they earn in their first year, which is the textbook setup for income-driven repayment for decades or default.
Accounting
Accounting produces 10 graduates with $45,798 first-year earnings, $59,123 by year four, $34,014 median debt, and a 0.743 ratio for a D grade. Earnings ramp is reasonable, but the debt level is high relative to the field's typical figures.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 29.7% | 68.8% |
| 3-year repayment | 35.1% | 73.6% |
| 5-year repayment | 36.1% | 67.7% |
| 7-year repayment | 40.9% | 72.8% |
Completion Rate
Trends Over Time
How The College of Westchester’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 | 94.4% |
| Enrollment | 759 |
| Pell Grant recipients | 62.3% |
| Avg faculty salary (monthly) | $6,287 |
Admission rate is 94.42% - effectively open access. The completion rate is 37.7% and the repayment rate is 35%. Prospective students should ask the school directly for placement-rate documentation before enrolling.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| The College of Westchester (this school) | 15 | $16,296 | $42,215 |
| Five Towns College | 17 | $22,992 | $35,887 |
| Berkeley College-New York | 16 | $34,124 | $45,884 |
| Provo College | 14 | $27,053 | $39,645 |
| National American University-Rapid City | 7 | $31,062 | $37,325 |
| American InterContinental University-Atlanta | 7 | $16,482 | $36,144 |
Who Thrives Here
TCW serves a specific student: someone who wants a career-oriented credential in business, accounting, or healthcare administration with the small-cohort, hands-on, locally-rooted environment a for-profit emphasizes. Pell rate is 62.29% - heavily working-class enrollment of 759. The Westchester County location targets working adults and recent graduates of local high schools. The structural ROI failure here means most students who enroll will end up worse off financially.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, The College of Westchester scores 15/100, which falls in the Below Benchmark tier (below 45). At a net price of $16,296 per year, with typical graduate earnings of $42,215 ten years after entry, we estimate the payback period at about 28.4 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, its 37.6% graduation rate, a debt-to-earnings ratio of 0.91 (median across the schools we score: 0.61), a three-year loan repayment rate of 35.1% (median across the schools we score: 73.6%), a long payback period.
Median debt of $26,967 among graduates who borrowed, against average earnings of $29,700 six years after entry, gives a debt-to-earnings ratio of 0.91. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. Your major - and how much you borrow - really matters.
The College of Westchester: Common Questions
Is The College of Westchester worth it?
In our view, the financial case is a hard one to make on the numbers alone. The College of Westchester scores 15/100 on our ROI scale, in the Below Benchmark tier (below 45). At $16,296 a year after aid against $42,215 in typical earnings ten years out, we estimate the payback period at about 28.4 years. Your major and aid package can change the picture, so run your own numbers.
How much does The College of Westchester 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 $16,296 a year, or roughly $65,184 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 The College of Westchester graduates earn?
The typical graduate earns about $42,215 ten years after enrolling, roughly $415 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 The College of Westchester?
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 28.4 years for The College of Westchester. The median across the schools we track is about 12 years.
How much debt do The College of Westchester graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $26,967, against average earnings of $29,700 six years after entry - a debt-to-earnings ratio of 0.91. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. How much you borrow really matters.
What is the graduation rate at The College of Westchester?
The six-year graduation rate is 37.6%. 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.