Toccoa Falls College
Toccoa Falls, Georgia · Private Nonprofit · 66.0% acceptance rate
ROI Score: 16/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Toccoa Falls College scores 16 (Below Benchmark). The numbers are stark across every sub-score. Average earnings six years after entry are $28,000, climbing only to a median $36,630 at ten years. The reported payback period is 139 years - effectively, the scorecard methodology concludes graduate earnings never recoup full cost. Earnings premium is just 1.9% over high-school-only (sub-score 9). Debt-to-earnings is 0.795 on $22,250 median debt. Sticker tuition is $23,950 and net price is $21,642 - close to sticker because institutional aid is thin. Four-year total cost is $86,568. Completion is 43.7% and repayment is 69.5% at three years. The Pell rate of 16.1% is unusually low - this is not a high-need student body, but the limited aid also means families pay close to full price. With 875 students and a Bible-college program lineup heavy in ministry, counseling, and small business, this is a vocational Christian-college mission. The financial case is essentially non-existent; the case for attending is faith-driven only.
How Toccoa Falls 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 Score16/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- Payback period>50 years - In our estimate, the earnings premium over a high school completer is small next to the cost, so the cost may not be recouped within a working career.
Toccoa Falls College
Quick Numbers
| In-state tuition + fees | $23,950/yr |
| Out-of-state tuition + fees | $23,950/yr |
| Average net price | $21,642/yr |
| Total 4-year cost (net) | $86,568 |
| Median earnings (10yr post-entry) | $36,630 |
| Average earnings (6yr post-entry) | $28,000 |
| Median debt at graduation | $22,250 |
| Estimated monthly loan payment | $236 |
| Estimated payback period | >50 years |
| 6-year graduation rate | 43.7% |
| Undergraduate enrollment | 875 |
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: $23,950/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $21,642/year, or roughly $86,568 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 $20,825/year here, while families earning over $110,000 pay $24,766/year.
Among graduates who borrowed, the median federal loan debt from this school is $22,250, which works out to about $236 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($28,000) and comes to 0.80, 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 | $20,825 |
| $30,001 - $48,000 | $18,982 |
| $48,001 - $75,000 | $20,262 |
| $75,001 - $110,000 | $22,762 |
| $110,001+ | $24,766 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families under $30,000 pay $20,825 net - only $3,125 below sticker tuition. Pell stacking is limited because the institution lacks deep aid resources. Four-year cost is around $83,300, against $36,630 in 10-year median earnings - four-year cost more than doubles 10-year earnings. The math does not work even at the best-priced bracket.
Middle-income families ($30K-$110K)
Middle-income families ($48,001-$75,000) pay $20,262 - almost identical to the under-$30K bracket, signaling minimal price differentiation by income. The $30,001-$48,000 bracket pays $18,982 (actually lower than under-$30K's $20,825), a small inversion likely from sample variance. Four-year cost at middle-income is roughly $81,000 against the $36,630 earnings ceiling.
Higher-income families ($110K+)
The $75,001-$110,000 bracket pays $22,762 and $110,000+ pays $24,766 - approaching sticker. Four-year cost at the top tier is around $99,000. For high-income families this is a values/faith-driven full-pay decision; the financial math is upside-down at any income level given the $36,630 earnings ceiling.
Earnings by Major
Top 3 most popular majors at Toccoa Falls College with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Registered Nursing | $64,949 | B |
| Clinical Psychology | $33,831 | F |
| Business Administration, Management, and Operations | $43,864 | C |
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.
Registered Nursing
Nursing is Toccoa Falls's standout program: 23 graduates earning $64,949 in year one against $27,628 median debt - a 0.425 ratio and B grade. Northeast Georgia healthcare (Northeast Georgia Medical Center, Habersham) absorbs most graduates at competitive starting wages. This program is materially out-of-character relative to the rest of the school's outcomes.
Business Administration, Management, and Operations
Business Administration produces 13 graduates earning $39,945 in year one and $43,864 by year four against $27,000 debt (0.676 ratio, C grade). Manageable debt for the earnings level.
Clinical Psychology
Clinical Psychology is the program drag: 23 graduates earning $21,319 in year one and $33,831 by year four against $24,250 debt - a 1.137 debt-to-earnings ratio and F grade. Bachelor's-only clinical psychology earnings are nationally weak (the credential is really a feeder to master's/PsyD programs). High debt for a feeder degree is the worst-case combination.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 65.4% | 68.8% |
| 3-year repayment | 69.5% | 73.6% |
| 5-year repayment | 69.7% | 67.7% |
| 7-year repayment | 74.0% | 72.8% |
Completion Rate
Trends Over Time
How Toccoa Falls 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 | 66.0% |
| SAT Math (25th-75th) | 490-580 |
| SAT Reading (25th-75th) | 520-650 |
| ACT Composite (25th-75th) | 18-24 |
| Enrollment | 875 |
| Pell Grant recipients | 16.1% |
| Avg faculty salary (monthly) | $6,124 |
Toccoa Falls admits 66% of applicants - moderately selective. The completion rate is 43.7%. Prepared applicants face moderate selectivity; the bigger risk is finishing.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Toccoa Falls College (this school) | 16 | $21,642 | $36,630 |
| Kentucky Christian University | 19 | $24,038 | $42,375 |
| Trinity Bible College and Graduate School | 18 | $19,359 | $35,604 |
| Dallas Christian College | 18 | $22,960 | $43,503 |
| Southwestern Christian University | 14 | $20,146 | $40,391 |
| Arlington Baptist University | 14 | $24,906 | $44,644 |
Who Thrives Here
Toccoa Falls fits students called to ministry, Christian counseling, and faith-based education or social-service work in the Southeast. Enrollment of 875 supports a small-college mentorship environment. Strong fit for students with clear vocational ministry plans; the school's mission is faith formation, not earnings. Weaker fit for anyone evaluating purely on financial return.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Toccoa Falls College scores 16/100, which falls in the Below Benchmark tier (below 45). At a net price of $21,642 per year, with typical graduate earnings of $36,630 ten years after entry, we estimate the payback period at more than 50 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 43.7% graduation rate, a debt-to-earnings ratio of 0.80 (median across the schools we score: 0.61), a three-year loan repayment rate of 69.5% (median across the schools we score: 73.6%), a long payback period.
Median debt of $22,250 among graduates who borrowed, against average earnings of $28,000 six years after entry, gives a debt-to-earnings ratio of 0.80. 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.
Toccoa Falls College: Common Questions
Is Toccoa Falls College worth it?
In our view, the financial case is a hard one to make on the numbers alone. Toccoa Falls College scores 16/100 on our ROI scale, in the Below Benchmark tier (below 45). At $21,642 a year after aid against $36,630 in typical earnings ten years out, we estimate the payback period at more than 50 years. Your major and aid package can change the picture, so run your own numbers.
How much does Toccoa Falls 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 $21,642 a year, or roughly $86,568 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 Toccoa Falls College graduates earn?
The typical graduate earns about $36,630 ten years after enrolling, at or below the $41,800 median for high-school graduates (NCES, 2022). With little earnings gap to cover the cost, the financial return is hard to make.
How long does it take to pay off Toccoa Falls 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 more than 50 years for Toccoa Falls College. The median across the schools we track is about 12 years.
How much debt do Toccoa Falls College graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $22,250, against average earnings of $28,000 six years after entry - a debt-to-earnings ratio of 0.80. 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 Toccoa Falls College?
The six-year graduation rate is 43.7%. 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.