9.5%
Debt-to-earnings
Debt-to-earnings ratio of 9.5% at Carolina College of Biblical Studies exceeds the 8% gainful-employment threshold ($17.5k debt amortized over 10 years vs $24.6k earnings).
North Carolina · Private nonprofit · Predominantly bachelor's
Carolina College of Biblical Studies
Fayetteville, North Carolina. 122 undergraduate students. 8 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Carolina College of Biblical Studies
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
-100%
150%-time completion
150%-time completion at Carolina College of Biblical Studies fell 100% between 2021 and 2024 (25.0% → 0.0%).
-28%
Earnings trend · post-entry horizons
Earnings 10 years post-entry at Carolina College of Biblical Studies are 28% below 6-year earnings ($34.2k → $24.6k).
+14%
In-state tuition
In-state tuition at Carolina College of Biblical Studies rose 14% between 2021 and 2024 ($6.1k → $6.9k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. North Carolina
Each tile compares this institution to the North Carolina median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$24,581-28% · 6→10y
North Carolina median $36,030$34,156
Treasury earnings · 6y post-entry22.2%-100% · '12→'24
North Carolina median 46.1%$17,500-4% · '18→'20
At program completion122+81% · '11→'24
latest IPEDS—+100% · '12→'24
first-time, full-time—
latest cohort$6,276+46% · '11→'24
out-of-state $6,276SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
9.5%Median federal debt $17,500 amortized over 10 years vs. median earnings $24,581 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
-100%
Carolina College of Biblical Studies · completion · 150% fell
35.4% → 0.0%
+100%
Carolina College of Biblical Studies · retention rose
50.0% → 100.0%
+36%
Carolina College of Biblical Studies · undergrad enrollment rose
88 → 159
+46%
Carolina College of Biblical Studies · in-state tuition rose
$4,725 → $6,906
+46%
Carolina College of Biblical Studies · out-of-state tuition rose
$4,725 → $6,906
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Carolina College of Biblical Studies
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
EARNINGS SUPPRESSED
Federal privacy rules suppressed earnings for Bible/Biblical Studies · Bachelor's Degree at Carolina College of Biblical Studies(cohort below 30 students). The calculator can’t produce a number we’d stand behind, so we don’t.
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in North Carolina
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Carolina College of Biblical Studies graduates earn $X” — not “Carolina College of Biblical Studies makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Carolina College of Biblical Studies caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.