At $20,133/yr net price, Toccoa Falls College graduates earn $36,630/yr within 10 years of enrollment, which is $2,630/yr above the median for high school graduates.
Cost vs. Outcomes
| Metric | Value |
|---|---|
| Average Net Price (per year) | $20,133 |
| Estimated 4-Year Cost | $80,532 |
| Median Earnings (10yr post-entry) | $36,630/yr |
| Earnings Premium vs. HS Diploma | +$2,630/yr |
| Estimated Break-Even | 30.6 years |
| Graduation Rate (6-year) | 46.0% |
| Median Debt at Graduation | $22,250 |
What You'll Actually Pay
Average net price by family income
| Family Income | Estimated Net Price |
|---|---|
| $0 - $30,000 | $18,552/yr |
| $30,001 - $48,000 | $19,953/yr |
| $48,001 - $75,000 | $20,025/yr |
| $75,001 - $110,000 | $20,916/yr |
| $110,001+ | $22,603/yr |
Earnings by Major
Top programs ranked by median earnings
| Program | Level | Median Earnings | Median Debt |
|---|---|---|---|
| Clinical, Counseling and Applied Psychology. | Bachelor | $25,194 | $23,250 |
The Risk Factor
46.0% of students at Toccoa Falls College graduate within 6 years. More than half of students finish, but the dropout rate is a real factor in whether this investment pays off.
Analysis
Toccoa Falls College delivers weak financial returns that struggle to justify the investment for most students. With median post-graduation earnings of $36,630 and a net price of $20,133 annually, you're looking at a payback period that stretches well beyond what most regional employers can support.
The psychology program exemplifies the school's earnings problem, producing graduates who earn just $25,194 annually while carrying $23,250 in debt. This creates an immediate cash flow crisis for new graduates entering Georgia's competitive job market. The 46% graduation rate means over half of students leave without completing their degree, often still carrying debt.
Your biggest financial risk here is the low retention rate of 57%, which signals either inadequate student support or programs that don't match student expectations. Combined with limited financial aid reach (only 20% of students receive aid), you'll likely pay close to sticker price while facing uncertain job prospects in rural northeast Georgia.
This school works financially only if you're pursuing ministry or nonprofit work where salary expectations align with typical outcomes, or if your family can afford the full cost without borrowing. The Christian focus creates a specific career pipeline that may limit your earning potential compared to secular alternatives.
Look elsewhere if you need strong financial returns, diverse career options, or substantial merit aid. Georgia's public universities offer better value, and Atlanta-area private colleges provide superior job market access. Toccoa Falls makes sense only for students whose career goals specifically require its faith-based environment and who can manage the financial constraints that come with it.
Frequently Asked Questions
Is Toccoa Falls College worth the cost compared to other colleges?
Toccoa Falls College graduates earn $36,630 ten years after graduation, which is below the national average for college graduates. With a net price of $20,133 per year and median debt of $22,250, the financial return is modest compared to most four-year institutions.
What are the best paying majors at Toccoa Falls College?
Clinical, Counseling and Applied Psychology is the top-earning program at Toccoa Falls College, with graduates earning around $25,194. This is still significantly below national averages for college graduates in most fields.
How much debt do Toccoa Falls College students typically graduate with?
The median debt for Toccoa Falls College graduates is $22,250. Given that graduates earn an average of $36,630 ten years out, this debt level is manageable but limits the overall financial benefit of the degree.
Does Toccoa Falls College have good graduation rates and job outcomes?
Toccoa Falls College has a 46% graduation rate, meaning more than half of students who start don't finish. The low graduation rate combined with below-average earnings makes this a high-risk investment for many students.