At $19,406/yr net price, Central Yeshiva Tomchei Tmimim Lubavitz graduates earn $35,023/yr within 10 years of enrollment, which is $1,023/yr above the median for high school graduates.
Cost vs. Outcomes
| Metric | Value |
|---|---|
| Average Net Price (per year) | $19,406 |
| Estimated 4-Year Cost | $77,624 |
| Median Earnings (10yr post-entry) | $35,023/yr |
| Earnings Premium vs. HS Diploma | +$1,023/yr |
| Estimated Break-Even | 75.9 years |
| Graduation Rate (6-year) | 2.8% |
What You'll Actually Pay
Average net price by family income
| Family Income | Estimated Net Price |
|---|---|
| $0 - $30,000 | $18,440/yr |
| $30,001 - $48,000 | $19,048/yr |
| $48,001 - $75,000 | $19,976/yr |
| $75,001 - $110,000 | $21,984/yr |
| $110,001+ | $22,805/yr |
The Risk Factor
2.8% of students at Central Yeshiva Tomchei Tmimim Lubavitz graduate within 6 years. Fewer than half of students complete their degree. If you don't graduate, the financial investment may not pay off.
Analysis
Central Yeshiva Tomchei Tmimim Lubavitz presents a challenging financial picture with median earnings of $35,023 ten years after graduation against an annual net price of $19,406. The extremely low graduation rate of 2.80% creates substantial financial risk for most students who enroll.
The school functions primarily as a religious seminary focused on Talmudic studies and Jewish religious education. Career outcomes reflect this specialized mission, with graduates typically entering rabbinical roles, Jewish education, or community religious leadership positions rather than high-paying secular careers. If you plan to pursue traditional religious study leading to community service roles, the financial return aligns with career expectations in these fields.
The biggest financial risk comes from the graduation rate. With only 3 out of every 100 students completing their program, most students accumulate debt without earning a degree. This makes the school financially viable only if you have strong certainty about completing your studies and entering religious professional roles afterward.
You should consider this school if you have a clear religious vocation and understand that financial returns will be modest. The institution works best for students who prioritize religious scholarship over earning potential and have family or community support systems that reduce financial pressure.
Look elsewhere if you need strong earning potential to repay student loans or support a family. The combination of low graduation rates and modest career earnings creates significant financial risk for students without other means of support. Consider this path only if religious study is your primary goal and you can afford the financial uncertainty.
Frequently Asked Questions
Is Central Yeshiva Tomchei Tmimim Lubavitz worth the cost?
With graduates earning $35,023 ten years after enrollment and a net price of $19,406 per year, the financial return is poor by typical college standards. The school's 2.8% graduation rate also indicates significant completion challenges that affect ROI.
What is the job market like for Central Yeshiva Tomchei Tmimim Lubavitz graduates?
Average earnings of $35,023 after ten years suggest graduates primarily enter religious or community service roles rather than high-paying secular careers. Students should expect modest financial returns if they choose this path.
How much debt do Central Yeshiva Tomchei Tmimim Lubavitz students typically graduate with?
At $19,406 per year net price, students could face significant debt relative to post-graduation earning potential. The low median earnings make debt repayment challenging compared to other college investments.
Does Central Yeshiva Tomchei Tmimim Lubavitz offer good financial aid?
The 91.6% acceptance rate suggests the school is accessible, but the net price data indicates limited financial aid effectiveness. Students should carefully evaluate their ability to afford the costs given the modest earning outcomes.