Trinity Baptist College
Jacksonville, Florida · Private Nonprofit · 53.3% acceptance rate
ROI Score: 14/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Trinity Baptist College in Jacksonville, Florida is a small Baptist ministry-focused private nonprofit posting a Below Benchmark ROI score of 14/100. The numbers are difficult across the board: 34.2% completion rate, a 96.7-year payback period (functionally infinite), and a debt-to-earnings ratio of 0.998 (essentially one dollar of debt for every dollar of early earnings). Average earnings six years after entry are $24,300, climbing to a median $37,275 at ten years. The earnings premium over high-school grads is just 2.8%. Tuition is $15,100, but the net price of $20,011 exceeds tuition (room/board capture), pushing four-year cost to $80,044. Median debt is $24,250. On mission terms, the picture is more nuanced: graduates pursuing pastoral careers within Baptist congregations do not need or expect competitive secular wages. But on financial-return terms alone, the math is severely strained, and even families committed to the mission should examine whether the borrowing required is sustainable.
How Trinity Baptist 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 Score14/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- 6-year graduation rate34.2% - 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 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.
Trinity Baptist College
Quick Numbers
| In-state tuition + fees | $15,100/yr |
| Out-of-state tuition + fees | $15,100/yr |
| Average net price | $20,011/yr |
| Total 4-year cost (net) | $80,044 |
| Median earnings (10yr post-entry) | $37,275 |
| Average earnings (6yr post-entry) | $24,300 |
| Median debt at graduation | $24,250 |
| Estimated monthly loan payment | $257 |
| Estimated payback period | >50 years |
| 6-year graduation rate | 34.2% |
| Undergraduate enrollment | 386 |
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: $15,100/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 $20,011/year, or roughly $80,044 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 $16,686/year here, while families earning over $110,000 pay $23,223/year.
Among graduates who borrowed, the median federal loan debt from this school is $24,250, which works out to about $257 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($24,300) and comes to 1.00, 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 | $16,686 |
| $30,001 - $48,000 | $18,885 |
| $48,001 - $75,000 | $18,174 |
| $75,001 - $110,000 | $21,991 |
| $110,001+ | $23,223 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay $16,686 per year net. The $30,001-$48,000 bracket pays $18,885. Four-year cost for these brackets runs $66,000-$76,000. The narrow aid spread - net price tops $20,000 even at the lowest bracket - means low-income families effectively pay near sticker.
Middle-income families ($30K-$110K)
The $48,001-$75,000 bracket pays $18,174 (a minor inversion versus the lower bracket), and the $75,001-$110,000 bracket pays $21,991. Four-year cost is $73,000-$88,000. Institutional aid scaling is essentially flat across most income tiers - meaning low-income families pay nearly the same as upper-middle-income.
Higher-income families ($110K+)
Families above $110,000 pay $23,223 per year - above the $15,100 sticker tuition because of room/board and modest aid. Four-year cost is $92,892. Median ten-year earnings are $37,275.
Earnings by Major
Top 3 most popular majors at Trinity Baptist College with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Bible/Biblical Studies | $20,013 | F |
| Pastoral Counseling and Specialized Ministries | $46,933 | - |
| Multi-/Interdisciplinary Studies, General | $36,114 | 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.
Bible/Biblical Studies
Biblical studies (42 graduates - the largest program) earns just $20,013 in first-year median earnings with $26,115 in median debt and a 1.305 debt-to-earnings ratio - an F ROI grade. Borrowing 30% more than first-year earnings for a biblical-studies credential is structurally hard. Pastoral compensation in Independent Baptist congregations is generally modest, and graduates pursuing ministry should weigh whether non-degree paths to ordination exist within their tradition.
Multi-/Interdisciplinary Studies, General
Multi-/interdisciplinary studies earns $35,282 first-year and $36,114 at four years (essentially flat), with $21,875 debt and a 0.62 debt-to-earnings ratio - a C ROI grade. The flat four-year curve indicates the credential does not unlock meaningful wage growth. The C grade is the best in Trinity Baptist's reported program mix, but the absolute earnings are still weak.
Pastoral Counseling and Specialized Ministries
Pastoral counseling reports $46,933 in four-year median earnings - the highest reported figure on campus - though debt data and graduate count are not disclosed. The earnings suggest some graduates move into licensed counseling roles that require additional credentialing. For students committed to ministry counseling, this may represent the strongest available program-level financial pathway.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | N/A | 68.8% |
| 3-year repayment | N/A | 73.6% |
| 5-year repayment | 54.6% | 67.7% |
| 7-year repayment | 61.6% | 72.8% |
Completion Rate
Trends Over Time
How Trinity Baptist 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 | 53.3% |
| SAT Math (25th-75th) | 370-523 |
| SAT Reading (25th-75th) | 408-483 |
| ACT Composite (25th-75th) | 16-20 |
| Enrollment | 386 |
| Pell Grant recipients | 50.1% |
| Avg faculty salary (monthly) | $5,460 |
Trinity Baptist admits 53.28% of applicants. SAT mid-ranges are 370-523 math and 408-483 reading; ACT composite mid-range is 16-20. The low scores correlate with the 34% completion rate and signal that academic preparation is uneven among the entering class.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
Trinity Baptist's ROI is 14.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Trinity Baptist College (this school) | 14 | $20,011 | $37,275 |
| Barry University | 42 | $22,613 | $55,966 |
| Baptist University of Florida | 31 | $10,372 | $42,836 |
| Caribbean University-Ponce | 17 | $4,964 | $22,842 |
| Mission University | 15 | $21,383 | $38,641 |
| Southwestern Christian University | 14 | $20,146 | $40,391 |
Who Thrives Here
Trinity Baptist enrolls just 386 students with a 50.1% Pell rate, indicating a heavily lower-income, faith-community student body. The fit is highly specific: students from Independent Fundamental Baptist congregations seeking ministry preparation. For students outside this context, this is not a match. Even within the target audience, families should examine whether the borrowing required to attend is consistent with the ministry careers graduates typically pursue.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Trinity Baptist College scores 14/100, which falls in the Below Benchmark tier (below 45). At a net price of $20,011 per year, with typical graduate earnings of $37,275 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 34.2% graduation rate, a debt-to-earnings ratio of 1.00 (median across the schools we score: 0.61), a long payback period.
Median debt of $24,250 among graduates who borrowed, against average earnings of $24,300 six years after entry, gives a debt-to-earnings ratio of 1.00. 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.
Trinity Baptist College: Common Questions
Is Trinity Baptist College worth it?
In our view, the financial case is a hard one to make on the numbers alone. Trinity Baptist College scores 14/100 on our ROI scale, in the Below Benchmark tier (below 45). At $20,011 a year after aid against $37,275 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 Trinity Baptist 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 $20,011 a year, or roughly $80,044 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 Trinity Baptist College graduates earn?
The typical graduate earns about $37,275 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 Trinity Baptist 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 Trinity Baptist College. The median across the schools we track is about 12 years.
How much debt do Trinity Baptist College graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $24,250, against average earnings of $24,300 six years after entry - a debt-to-earnings ratio of 1.00. 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 Trinity Baptist College?
The six-year graduation rate is 34.2%. 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.