Pastoral Counseling and Specialized Ministries at International Baptist College and Seminary
AZ · Private · 100% graduation rate
D
ROI Score
42/100
Median Debt
$26,996
Year 1 Earnings
$40,000
Year 5 Earnings
$53,600
Debt-to-Earnings
0.67x
Debt vs Earnings
ROI Score Breakdown
Debt-to-Income Ratio46/100 (35%)
Earnings Premium vs HS27/100 (25%)
Job Market Outlook20/100 (20%)
Graduation Rate100/100 (10%)
Debt vs National Avg51/100 (10%)
Is Pastoral Counseling and Specialized Ministries at International Baptist College and Seminary Worth It?
Verdict: CAUTION. Pastoral Counseling and Specialized Ministries at International Baptist College and Seminary requires careful consideration. The median debt of $26,996 against first-year earnings of $40,000 gives a debt-to-earnings ratio of 0.67x, which means loan repayment will be a stretch. By year five ($53,600), things improve, but the early years will be tight. Consider whether you have other financial options or a clear career path that justifies this cost.