American Institute-Toms River — ROI, Cost & Payback
American Institute-Toms River charges a net price of $19,781/yr after aid — a 4-year total of $79,124. Median earnings ten years after entry are $28,710, below the $48,360 high-school baseline, so on this institution-wide metric the degree does not clear its cost. Program choice is what changes that. (Scorecard, 2026 · our math.)
On institution-wide earnings, American Institute-Toms River does not clear its cost — it ranks #68 of 78 New Jersey colleges we track by ROI. The specific program you pick moves this more than the school average.
| Measure | Value | Source |
|---|---|---|
| Net price (after aid) | $19,781/yr | Scorecard, 2026 |
| Total net cost (4 yrs) | $79,124 | our math |
| Median earnings, 10 yrs after entry | $28,710 | Scorecard, 2026 |
| Earnings premium over HS baseline | -$19,650/yr | our math |
| Median debt (completers) | $11,979 | Scorecard, 2026 |
| Payback | does not clear | our math |
| 20-year net return | -$472,124 | our math |
College Scorecard (2026 release), institution-level · payback and returns are our math.
The arithmetic, on American Institute-Toms River's own numbers. Net price $19,781 × 4 years = $79,124 total. Median earnings $28,710 fall $19,650 short of the $48,360 high-school baseline, so the premium this formula divides by is not positive and no break-even year exists on institution-wide pay. A programme here earning $58,360 would clear the $79,124 bill in about 7.9 years — the gap, not the price, is what blocks payback. Full method.
How much debt do American Institute-Toms River students graduate with?
A median $11,979 in federal loans among completers, or 42% of the $28,710 its graduates earn ten years out — our math. The figure excludes private loans and students who left before finishing.
What share of American Institute-Toms River students graduate?
55% finish their degree — 45% leave carrying the cost without the credential. Spread the $79,124 bill across that completion rate and the cohort pays $143,862 per graduate produced — our math, and the figure a payback number never shows.
Is American Institute-Toms River expensive compared with other New Jersey colleges?
Its $19,781 net price runs $637 below the $20,418 median across the 78 New Jersey colleges we profile, and $2,546 less across the full degree.