Yeshiva Toras Chaim
Lakewood, New Jersey · Private Nonprofit · 44.3% acceptance rate
ROI Score: 69/100 · Fair Value
Data: 2024-25 College Scorecard release
Yeshiva Toras Chaim scores 69 (Fair Value) with significant data caveats - the debt-to-earnings ratio and repayment rate are both imputed (no actual data), reducing the overall confidence score to 0.8. What is known: this is a small Orthodox Jewish Talmudic yeshiva in Lakewood, New Jersey, with 227 enrolled students, a $5,356 net price, and a $12,750 tuition. The earnings premium sub-score of 99/100 with a raw earnings premium of 1.285 indicates very high ten-year earnings ($62,526) relative to cost. The 31.0% completion rate is very low. No program data is reported. The 5.9-year payback is fast given the low cost. This is a specialized religious institution where standard ROI metrics apply unevenly.
How Yeshiva Toras Chaim 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.
- 6-year graduation rate31.0% - 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.
Yeshiva Toras Chaim
Quick Numbers
| In-state tuition + fees | $12,750/yr |
| Out-of-state tuition + fees | $12,750/yr |
| Average net price | $5,356/yr |
| Total 4-year cost (net) | $21,424 |
| Median earnings (10yr post-entry) | $62,526 |
| Average earnings (6yr post-entry) | N/A |
| Median debt at graduation | N/A |
| Estimated monthly loan payment | N/A |
| Estimated payback period | 5.9 years |
| 6-year graduation rate | 31.0% |
| Undergraduate enrollment | 227 |
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: $12,750/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $5,356/year, or roughly $21,424 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 $3,247/year here, while families earning over $110,000 pay N/A/year. If money is tight, that matters: this school gives low-income students enough aid to land well below the sticker price.
The Department of Education does not report a median debt figure for this school, usually because too few students borrow federal loans for the figure to be published. Our ROI score gives this measure a neutral middle value rather than treating it as zero debt.
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 | $3,247 |
| $30,001 - $48,000 | $4,931 |
| $48,001 - $75,000 | $5,629 |
| $75,001 - $110,000 | $8,287 |
| $110,001+ | N/A |
Cost by Income Bracket Explained
Lower-income families (under $30K)
The 0-$30,000 income bracket pays $3,247 per year. The 37.8% Pell rate confirms significant financial need among the student population. For Pell-eligible students in the Orthodox community, Yeshiva Toras Chaim provides religious education at nearly zero net cost.
Middle-income families ($30K-$110K)
The $48,001-$75,000 bracket pays $5,629 and the $75,001-$110,000 bracket pays $8,287 per year. At these prices, the financial burden is minimal regardless of earnings outcomes. Middle-income Orthodox families choosing this institution are doing so primarily for religious and community reasons, not financial optimization.
Higher-income families ($110K+)
Net price data for the $110,001 and above bracket is not available (null). For the income brackets where data exists, the institution is extraordinarily affordable. High-income families considering this institution are evaluating religious training and community fit, not financial return.
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 Yeshiva Toras Chaim’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 44.3% |
| Enrollment | 227 |
| Pell Grant recipients | 37.8% |
| Avg faculty salary (monthly) | $5,532 |
Yeshiva Toras Chaim admits 44.3% of applicants; no SAT, ACT, or other standardized test data is available. The institution does not operate on conventional academic selectivity metrics - admission is governed by religious community standards and readiness for intensive Talmudic learning. No program-level data is available in the Scorecard, which limits financial analysis to institution-wide figures only.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
Yeshiva Toras Chaim's 69 score is shaped almost entirely by its low cost and high earnings premium; the imputed data and very low completion rate add uncertainty.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Yeshiva Toras Chaim (this school) | 69 | $5,356 | $62,526 |
| Jewish Theological Seminary of America | 75 | $43,195 | $92,751 |
| Charles R Drew University of Medicine and Science | 67 | $35,558 | $83,438 |
| Aultman College of Nursing and Health Sciences | 66 | $24,204 | $63,582 |
| Centenary University | 53 | $20,503 | $53,726 |
| Caldwell University | 40 | $24,691 | $53,843 |
Who Thrives Here
Yeshiva Toras Chaim exclusively serves Orthodox Jewish men pursuing Talmudic study in the Lakewood, NJ community - the largest yeshiva community in the world outside Israel. The institution's mission is religious training, not traditional career preparation. The 44.3% acceptance rate and the 31.0% completion rate reflect the specialized nature of the program and the community from which students are drawn. Standard ROI analysis provides limited insight here.
The Verdict: A Reasonable Bet - With Caveats
Yeshiva Toras Chaim is a fair-value bet, but how well it pays off depends a lot on you. At $5,356 a year after aid ($21,424 over four years), with the typical graduate earning $62,526 a decade out, the cost takes about 5.9 years to earn back. For context, the median payback across the schools we score is about 12 years.
What it has going for it: a strong earnings premium over high school graduates. What to keep an eye on: its 31.0% graduation rate.
Yeshiva Toras Chaim: Common Questions
Is Yeshiva Toras Chaim worth it?
In our view, it's a fair-value bet - whether Yeshiva Toras Chaim is worth it depends a lot on your major and aid package. It scores 69/100 on our ROI scale. At $5,356 a year after aid ($21,424 over four years) against $62,526 in typical earnings a decade out, the cost takes about 5.9 years to earn back. For context, the median payback across the schools we score is about 12 years.
How much does Yeshiva Toras Chaim 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 $5,356 a year, or roughly $21,424 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 Yeshiva Toras Chaim graduates earn?
The typical graduate earns about $62,526 ten years after enrolling, roughly $20,726 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off Yeshiva Toras Chaim?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 5.9 years for Yeshiva Toras Chaim. The median across the schools we track is about 12 years.
What is the graduation rate at Yeshiva Toras Chaim?
The six-year graduation rate is 31.0%. 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.