American Institute-Clifton vs American Institute-Toms River: which has better ROI?
Neither clears its cost on institution-wide earnings, but American Institute-Toms River comes closer — median earnings $28,710 against a $79,124 total, vs $28,710 at American Institute-Clifton. (Scorecard, 2026 · our math.)
| Measure | American Institute-Clifton | American Institute-Toms River |
|---|---|---|
| Net price / yr | $20,371 | $19,781 |
| Total net cost | $81,484 | $79,124 |
| Median earnings, 10 yrs | $28,710 | $28,710 |
| Median debt | $11,979 | $11,979 |
| Payback | — | — |
| 20-year net return | -$474,484 | -$472,124 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, American Institute-Clifton or American Institute-Toms River?
American Institute-Toms River, at $19,781 a year after aid versus $20,371 — a gap of $590 a year, or $2,360 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do American Institute-Clifton or American Institute-Toms River graduates earn more?
Graduates of both report a median $28,710 ten years after entry, so earnings do not separate them either — the ROI difference comes entirely from what each degree costs. Figures are institution-wide medians from federal tax records, not programme-level pay.
Which leaves students with less debt, American Institute-Clifton or American Institute-Toms River?
Completers at both borrow a median $11,979, so neither school has the debt advantage. That figure covers federal loans of students who finished — borrowers who leave early are not counted, and private loans sit outside it.
Which graduates more of its students?
57% of students finish at American Institute-Clifton, against 55% at American Institute-Toms River. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.