Trinity College of Florida
Trinity, Florida · Private Nonprofit · 91.9% acceptance rate
ROI Score: 6/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Trinity College of Florida, a tiny (148 students) Bible college in Trinity, Florida, scores 6 (Below Benchmark tier), and the data tells an unambiguous story. Sticker tuition of $16,300 looks moderate, but average net price is actually higher at $20,297 - meaning the school provides essentially no institutional aid and net cost includes room/board. Four-year cost runs $81,188. Average earnings six years out are just $27,700, climbing only marginally to a median $32,465 by year ten. The 999-year payback period flags that earnings never recoup costs against the federal benchmark, meaning the typical graduate's earnings premium over a high-school-educated worker doesn't cover the cost of attendance. Median federal debt is $23,250, with a 0.84 debt-to-earnings ratio. The completion rate is reported as 0%; at this enrollment a single small cohort swings the figure (our own series reads 9% for 2019, 36% for 2021 and 0% for 2024), so it should not be read as a graduation rate. Three-year repayment rate of 46% is severely weak. Earnings premium of -0.031 (sub-score 4) is actually negative against benchmark. The honest read: Trinity College of Florida is a niche Bible-training credential, not a general-purpose college. Prospective students should treat this as ministry-formation enrollment with virtually no labor-market ROI.
How Trinity College of Florida 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 Score6/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- 6-year graduation rate0.0% - 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 College of Florida
Quick Numbers
| In-state tuition + fees | $16,300/yr |
| Out-of-state tuition + fees | $16,300/yr |
| Average net price | $20,297/yr |
| Total 4-year cost (net) | $81,188 |
| Median earnings (10yr post-entry) | $32,465 |
| Average earnings (6yr post-entry) | $27,700 |
| Median debt at graduation | $23,250 |
| Estimated monthly loan payment | $246 |
| Estimated payback period | >50 years |
| 6-year graduation rate | 0.0% |
| Undergraduate enrollment | 148 |
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: $16,300/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 $20,297/year, or roughly $81,188 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 $16,224/year here, while families earning over $110,000 pay $24,304/year.
Among graduates who borrowed, the median federal loan debt from this school is $23,250, which works out to about $246 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($27,700) and comes to 0.84, 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 | $16,224 |
| $30,001 - $48,000 | $21,304 |
| $48,001 - $75,000 | $21,584 |
| $75,001 - $110,000 | $22,854 |
| $110,001+ | $24,304 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay $16,224 net annually, totaling about $64,896 over four years. The discount off published net price is small. With Pell aid plus federal loans, low-income families face significant residual costs against a labor-market outcome that doesn't justify the spend. Low-income families should think very carefully before enrolling here.
Middle-income families ($30K-$110K)
Middle-income families ($48,001-$75,000) pay $21,584 per year, about $86,336 over four years. Note: the $30,001-$48,000 bracket pays $21,304 - essentially the same as the bracket above. Aid grading is essentially absent across the middle brackets. Middle-income families pay close to full price.
Higher-income families ($110K+)
High-income families ($110,001+) pay $24,304 per year, totaling $97,216 across four years - exceeding the published 4-year cost figure. For high-income families, the financial math is decisive against unless mission alignment is the dominant decision factor.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 43.5% | 68.8% |
| 3-year repayment | 46.0% | 73.6% |
| 5-year repayment | 50.8% | 67.7% |
| 7-year repayment | 56.2% | 72.8% |
Completion Rate
Trends Over Time
How Trinity College of Florida’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 | 91.9% |
| Enrollment | 148 |
| Pell Grant recipients | 47.6% |
| Avg faculty salary (monthly) | $5,600 |
Trinity College of Florida admits 91.9% of applicants - effectively open admissions. SAT and ACT data are not reported, consistent with the school's open-access ministry-training mission. The reported 0% completion rate carries little statistical weight at this enrollment (see the overview), and prospective students should ask the institution directly for its graduation figures. Selectivity is not the issue here.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Trinity College of Florida (this school) | 6 | $20,297 | $32,465 |
| Barry University | 42 | $22,613 | $55,966 |
| Baptist University of Florida | 31 | $10,372 | $42,836 |
| Crowley's Ridge College | 12 | $16,315 | $39,533 |
| Clinton College | 8 | $11,458 | $30,180 |
| Martin University | 2 | $18,114 | $22,544 |
Who Thrives Here
Trinity College of Florida fits one type of student: someone absolutely committed to evangelical Christian ministry, missions, or pastoral work who values the school's specific theological formation. Pell rate of 47.6% indicates a working-class student body. Enrollment is 148. The fit case is mission-driven: this is a ministry-formation environment for a particular calling. No student should evaluate this institution primarily on ROI.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Trinity College of Florida scores 6/100, which falls in the Below Benchmark tier (below 45). At a net price of $20,297 per year, with typical graduate earnings of $32,465 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 0.0% graduation rate, a debt-to-earnings ratio of 0.84 (median across the schools we score: 0.61), a three-year loan repayment rate of 46.0% (median across the schools we score: 73.6%), a long payback period.
Median debt of $23,250 among graduates who borrowed, against average earnings of $27,700 six years after entry, gives a debt-to-earnings ratio of 0.84. 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 College of Florida: Common Questions
Is Trinity College of Florida worth it?
In our view, the financial case is a hard one to make on the numbers alone. Trinity College of Florida scores 6/100 on our ROI scale, in the Below Benchmark tier (below 45). At $20,297 a year after aid against $32,465 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 College of Florida 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 $20,297 a year, or roughly $81,188 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 College of Florida graduates earn?
The typical graduate earns about $32,465 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 College of Florida?
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 College of Florida. The median across the schools we track is about 12 years.
How much debt do Trinity College of Florida graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $23,250, against average earnings of $27,700 six years after entry - a debt-to-earnings ratio of 0.84. 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.
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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.