Universidad Teologica del Caribe
Trujillo Alto, Puerto Rico · Private Nonprofit
ROI Score: 20/100 · Below Benchmark
Data: 2024-25 College Scorecard release
Universidad Teologica del Caribe is a tiny private-nonprofit seminary in Trujillo Alto, Puerto Rico with an ROI score of 20 out of 100, placing it in the Below Benchmark tier. Median earnings ten years after entry sit at just $23,536, well below the typical high-school-graduate baseline used in the earnings-premium calculation, which is why that sub-score is essentially zero. The payback period registers as 999 years, the model's shorthand for 'earnings never recoup cost' given the negative earnings premium. Net price comes in at $9,045 per year against a $6,660 sticker tuition, an inversion that suggests financial aid does not fully offset fees, books, and living costs for the lowest-income bracket reported. Completion rate is 38.9 percent, also weak. Median debt at graduation is $12,050, which is modest in absolute terms but still meaningful against these earnings. The school is a seminary, and the score measures earnings only.
How Universidad Teologica del Caribe 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 Score20/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
- 6-year graduation rate38.9% - 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.
Universidad Teologica del Caribe
Quick Numbers
| In-state tuition + fees | $6,660/yr |
| Out-of-state tuition + fees | $6,660/yr |
| Average net price | $9,045/yr |
| Total 4-year cost (net) | $36,180 |
| Median earnings (10yr post-entry) | $23,536 |
| Average earnings (6yr post-entry) | N/A |
| Median debt at graduation | $12,050 |
| Estimated monthly loan payment | $128 |
| Estimated payback period | >50 years |
| 6-year graduation rate | 38.9% |
| Undergraduate enrollment | 173 |
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: $6,660/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 $9,045/year, or roughly $36,180 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 $9,045/year here, while families earning over $110,000 pay N/A/year.
Among graduates who borrowed, the median federal loan debt from this school is $12,050, which works out to about $128 a month on the standard 10-year repayment plan. We do not have the six-year earnings figure needed to work out a debt-to-earnings ratio for this school.
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 | $9,045 |
| $30,001 - $48,000 | N/A |
| $48,001 - $75,000 | N/A |
| $75,001 - $110,000 | N/A |
| $110,001+ | N/A |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families in the $0 to $30,000 bracket pay $9,045 in net price, the only income tier with reported aid data. That is higher than the $6,660 sticker tuition, indicating fees and non-tuition costs eat into the aid package. With Pell at 98 percent, most students are in this bracket. Against $23,536 in ten-year earnings, the math is hard, but the small absolute dollar amount keeps damage contained.
Middle-income families ($30K-$110K)
Net price brackets for $30,001 to $75,000 are not reported, so middle-income families have no published guidance from Scorecard. Given the school's overwhelmingly low-income enrollment, this is unsurprising; very few students fall into these brackets. Middle-income families should request a custom estimate from the school's net price calculator before treating this as a viable option financially.
Higher-income families ($110K+)
No net price is reported for families above $75,000 either. Again, the student population skews so heavily Pell-eligible that the school likely has too few high-income enrollees to publish a reliable figure. A higher-income family weighing this school is doing so for vocational and not financial reasons, and should expect to pay close to full $6,660 tuition plus full living expenses with little institutional aid.
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 | N/A | 67.7% |
| 7-year repayment | N/A | 72.8% |
Completion Rate
Trends Over Time
How Universidad Teologica del Caribe’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
| Enrollment | 173 |
| Pell Grant recipients | 97.9% |
| Avg faculty salary (monthly) | $1,110 |
Admission rate is not reported in current Scorecard data, and the school does not publish SAT or ACT mid-ranges either. As a small seminary with 173 students and a religious mission, admission is likely tied more to denominational fit, recommendation, and a basic academic floor than to standardized testing. The 38.9 percent completion rate suggests that whatever the screening looks like, a meaningful share of admitted students do not finish.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Universidad Teologica del Caribe (this school) | 20 | $9,045 | $23,536 |
| University of Puerto Rico-Aguadilla | 21 | $7,765 | $27,997 |
| Universidad Central de Bayamon | 20 | $4,827 | $25,021 |
| Inter American University of Puerto Rico-Fajardo | 20 | $9,230 | $23,132 |
| Caribbean University-Vega Baja | 20 | $5,235 | $22,842 |
| University of Puerto Rico at Ponce | 19 | $10,990 | $31,394 |
Who Thrives Here
This school fits one specific student well: a Pell-eligible Spanish-speaking student in Puerto Rico called to ministry or theological study who is not optimizing for income. Pell grant rate is 98 percent, meaning nearly every student is from a low-income household. Enrollment is just 173, so the experience is intimate and cohort-based. Anyone weighing it on vocational calling, denominational alignment, and low absolute debt of around $12,050 will find a reasonable fit.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, Universidad Teologica del Caribe scores 20/100, which falls in the Below Benchmark tier (below 45). At a net price of $9,045 per year, with typical graduate earnings of $23,536 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 38.9% graduation rate, a long payback period.
Universidad Teologica del Caribe: Common Questions
Is Universidad Teologica del Caribe worth it?
In our view, the financial case is a hard one to make on the numbers alone. Universidad Teologica del Caribe scores 20/100 on our ROI scale, in the Below Benchmark tier (below 45). At $9,045 a year after aid against $23,536 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 Universidad Teologica del Caribe 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 $9,045 a year, or roughly $36,180 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 Universidad Teologica del Caribe graduates earn?
The typical graduate earns about $23,536 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 Universidad Teologica del Caribe?
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 Universidad Teologica del Caribe. The median across the schools we track is about 12 years.
What is the graduation rate at Universidad Teologica del Caribe?
The six-year graduation rate is 38.9%. 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.
NewsletterCollege decisions are better with data.
From CampusROI, when there is something worth acting on.
Rankings & Links
Guides & Tools
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.