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
The financial return here is weak. You pay about $19,400 a year and ten years after enrolling the median graduate earns $35,023. That earnings figure sits below what many high school graduates make, so the degree does not buy you much of an income bump for the price.
The bigger problem is finishing at all. The graduation rate is 2.80%. That means almost no one who enrolls walks out with a degree on any standard timeline. The 81.67% retention rate shows people come back for a second year, but the near-zero completion number tells you they are not crossing the finish line. You are paying tuition for a credential you have very long odds of actually earning.
No bachelor-level program salary data is listed, so there is nothing to say about which majors pay off. That absence is itself a warning: you cannot compare outcomes by field before you enroll.
The specific risk here is spending four years and roughly $78,000 in net price with a real chance of leaving without a degree and earning around $35,000 regardless. That is a poor trade if you are measuring in dollars.
Net price barely moves with income. If your family earns under $30k you pay $18,440. over $110k you pay $22,805. Lower-income families get little price relief, and 64% of students receive Pell Grants, so most of you are on tight budgets already.
This is a fit if you are here for religious study and the financial return is not your measure of success. If you want a degree that raises your earnings, look elsewhere.
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.