Touro University
New York, New York · Private Nonprofit · 60.8% acceptance rate
ROI Score: 50/100 · Below Average Value
Touro University scores 50 (Below Average Value), a number that hides sharp internal variance. The overall score is anchored down by two structural problems: a 14-year payback period and a loan repayment rate of just 57.8% -- meaning fewer than 6 in 10 borrowers are making progress on their debt after 7 years. Both point to a mismatch between cost and earnings for a large share of Touro's student body. Net price averages $29,627 against $22,450 sticker tuition -- the net price exceeds sticker, indicating fees and living costs are substantial, and aid is limited. Median 6-year earnings of $40,600 are low for a New York City institution. The bright spots are concentrated in health programs: Health Services/Allied Health (248 graduates, $98,520 year-one, grade A), Registered Nursing (44 graduates, $85,682 year-one, grade B+), and Accounting (42 graduates, $59,820 year-one, grade A with a remarkable 0.184 debt-to-earnings ratio on $11,000 median debt). Psychology is the largest program at 273 graduates, earning only a C+ ($38,918 year-one, 0.527 debt-to-earnings). Biology's 99 graduates face a D-grade outcome with $21,733 year-one earnings and a 0.92 debt-to-earnings ratio -- a poor return for students likely pursuing pre-med pathways at a private school.
Touro University
Quick Numbers
| In-state tuition + fees | $22,450/yr |
| Out-of-state tuition + fees | $22,450/yr |
| Average net price | $29,627/yr |
| Total 4-year cost (net) | $118,508 |
| Median earnings (10yr post-entry) | $53,419 |
| Median earnings (6yr post-entry) | $40,600 |
| Median debt at graduation | $15,547 |
| Estimated monthly loan payment | $165 |
| Estimated payback period | 14 years |
| 6-year graduation rate | 72.4% |
| Undergraduate enrollment | 4,040 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The sticker price at Touro University is $22,450/year. But sticker price isn't what most students pay. After grants, scholarships, and financial aid, the average student pays a net price of $29,627/year, or roughly $118,508 over four years.
That net price varies significantly by family income. The lowest-income families (under $30,000/year) pay an average of $26,605/year, while families earning over $110,000 pay $36,341/year.
The median graduate leaves with $15,547 in federal loan debt, translating to an estimated monthly payment of $165 on a standard 10-year repayment plan. Against median earnings of $53,419 ten years out, the debt-to-earnings ratio is 0.38 - well within manageable territory.
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 | $26,605 |
| $30,001 - $48,000 | $28,476 |
| $48,001 - $75,000 | $29,054 |
| $75,001 - $110,000 | $31,828 |
| $110,001+ | $36,341 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
The 0-30000 income bracket pays $26,605 net price per year at Touro -- steep for a family at that income level, and high relative to the $40,600 median earnings graduates earn six years out. The 30001-48000 bracket pays $28,476, meaning lower-middle-income families are paying almost as much as the lowest bracket with less aid. These figures should give low-income students serious pause: $26,000 per year in a New York City cost environment, for a school with a 14-year median payback, carries significant financial risk unless the student is entering a high-earning health sciences program.
Middle-income families ($30K-$110K)
The 48001-75000 bracket pays $29,054 at Touro -- nearly identical to the lower income bands, suggesting the aid formula flattens out quickly. The 75001-110000 bracket rises to $31,828. The compressing of net price across income bands means Touro is not aggressively discounting for middle-income families. At $29,000-$32,000 per year and $40,600 in median earnings, the middle-income case for Touro's non-health programs is financially weak.
Higher-income families ($110K+)
Families above $110,000 pay $36,341 per year at Touro, totaling roughly $145,000 over four years. The 14-year median payback period against net cost -- not sticker -- puts full-pay Touro in a difficult position financially for most majors. Health sciences graduates at $98,520 year-one can make the full-pay case work in about 1.5 years. Biology graduates earning $21,733 year-one face a generational payback. High-income families considering Touro should make their decision based entirely on the specific program trajectory, not the institution's overall median.
Earnings by Major
Top 10 most popular majors at Touro University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Psychology | $56,443 | C+ |
| Health Services/Allied Health/Health Sciences, General | $135,742 | A |
| Multi-/Interdisciplinary Studies, General | $54,467 | B |
| Biology | $75,886 | D |
| Business Administration, Management, and Operations | $60,290 | C+ |
| Computer Science | $84,481 | - |
| Registered Nursing | $103,863 | B+ |
| Accounting | $99,047 | A |
| Marketing | $37,424 | - |
| Human Services, General | $51,886 | 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 Services/Allied Health/Health Sciences, General
This is Touro's anchor program by graduate volume and earnings: 248 graduates, $98,520 median year-one earnings, $135,742 at year four, and a debt-to-earnings ratio of 0.242 (grade A) on $23,875 median debt. These numbers suggest Touro's health sciences pipeline -- likely including physician assistant, physical therapy, and allied health clinical tracks -- produces graduates with immediate, high-salary placement. The four-year trajectory to $135k is exceptional. Students targeting this field should verify which specific concentrations drive these outcomes, as the aggregate figure masks variation across health specialties.
Accounting
Accounting at Touro earns a grade A: 42 graduates, $59,820 year-one, $99,047 at year four, with a debt-to-earnings ratio of just 0.184 on $11,000 median debt -- the lowest debt figure in the program set. Touro's CPA track benefits from the institution's New York City location and its connections to accounting firms serving the Orthodox Jewish business community. The four-year trajectory to $99k is strong, and the debt load is exceptionally low, suggesting many students in this program minimize borrowing or receive significant family support.
Registered Nursing
Nursing (44 graduates) earns a B+ with $85,682 year-one and $103,863 at year four on $25,000 median debt (debt-to-earnings 0.292). New York City nursing wages are among the highest in the country, and Touro's nursing graduates appear to capture that market premium. The four-year trajectory into six figures makes this a competitive outcome relative to the institution's net price. Students who complete the nursing program are among the clearest beneficiaries of Touro's health-science focus.
Psychology
Psychology is Touro's largest program at 273 graduates, but the ROI is mediocre: $38,918 year-one, $56,443 at year four, debt-to-earnings 0.527 (grade C+) on $20,500 median debt. In a New York City labor market, $38,918 year-one is not a strong outcome -- the cost of living absorbs most of it. Psychology at Touro is a reasonable path for students intending graduate school, but those who stop at the bachelor's degree face a 14-year-plus payback against total net cost. The program's volume relative to the institution's size means a large share of Touro students are taking this below-average-ROI path.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Nat'l Avg |
|---|---|---|
| 1-year repayment | 52.2% | 52.0% |
| 3-year repayment | 57.8% | 62.0% |
| 5-year repayment | 54.1% | 68.0% |
| 7-year repayment | 53.1% | 72.0% |
Completion Rate
Admissions Snapshot
| Acceptance rate | 60.8% |
| SAT Math (25th-75th) | 588-723 |
| SAT Reading (25th-75th) | 630-730 |
| ACT Composite (25th-75th) | 24-32 |
| Enrollment | 4,040 |
| Pell Grant recipients | 30.2% |
| Avg faculty salary (monthly) | $9,964 |
At 60.8% admission rate, Touro is moderately selective. The SAT mid-range of 588-723 Math and 630-730 Reading suggests students admitted across a broad academic range. The ACT range of 24-32 is similarly wide. Admission is accessible enough that the primary evaluation question is not whether to apply, but whether Touro's specific programs and institutional culture align with a student's goals. Health sciences students with strong science preparation are best positioned for the outcomes the data supports.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
Touro's Scorecard peer schools include Adelphi University, Albany College of Pharmacy and Health Sciences, Park University, Hampton University, and University of New Haven. Among these, Touro's ROI score of 50 reflects its below-average overall outcome despite its strong health programs. Adelphi and University of New Haven are larger private institutions with similar price points and mixed program ROI. Albany College of Pharmacy is a specialist institution where ROI is much stronger across the board. For students specifically targeting health sciences, Touro competes favorably within this group; for students in liberal arts or psychology, lower-cost CUNY options in New York City offer better value.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Touro University (this school) | 50 | $29,627 | $53,419 |
| Albany College of Pharmacy and Health Sciences | 94 | $29,882 | $131,426 |
| Adelphi University | 75 | $30,783 | $75,482 |
| Park University | 50 | $21,032 | $56,309 |
| University of New Haven | 48 | $34,192 | $60,126 |
| Hampton University | 47 | $25,319 | $59,159 |
Who Thrives Here
Touro admits 60.8% of applicants. SAT mid-ranges are 588-723 Math and 630-730 Reading; ACT composite 24-32. Enrollment is 4,040 with a 30.2% Pell grant rate. Touro has a strong Jewish institutional identity and serves a significant Orthodox Jewish student population, which shapes both its academic calendar and campus culture. The institution's strongest financial outcomes are concentrated in health sciences and accounting -- students arriving with clear professional goals in those fields have a defensible case. Students in other programs should carefully weigh the 14-year median payback and the institution's New York City cost base against lower-cost regional alternatives.
The Verdict: Proceed With Caution
The financial case for Touro University is mixed. At $29,627 per year net cost, graduates earn a median of $53,419 ten years after entry - a payback period of 14 years. That's below the average return for four-year institutions, and prospective students should carefully consider whether the investment aligns with their financial goals.
Key strengths include a 72.4% graduation rate, manageable debt relative to earnings. However, the data also shows weak earnings relative to cost and concerning loan repayment rates and a long payback period.
Median debt of $15,547 is very manageable against $53,419 in annual earnings - well within the financial advisor rule of thumb that total debt should not exceed first-year salary.
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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.