American Institute-Toms River vs National Career Institute: 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 $26,415 at National Career Institute. (Scorecard, 2026 · our math.)
| Measure | American Institute-Toms River | National Career Institute |
|---|---|---|
| Net price / yr | $19,781 | $25,261 |
| Total net cost | $79,124 | $101,044 |
| Median earnings, 10 yrs | $28,710 | $26,415 |
| Median debt | $11,979 | $6,756 |
| Payback | — | — |
| 20-year net return | -$472,124 | -$539,944 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, American Institute-Toms River or National Career Institute?
American Institute-Toms River, at $19,781 a year after aid versus $25,261 — a gap of $5,480 a year, or $21,920 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-Toms River or National Career Institute graduates earn more?
American Institute-Toms River graduates report a median $28,710 ten years after entry, $2,295 more than the $26,415 at National Career Institute. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
Which leaves students with less debt, American Institute-Toms River or National Career Institute?
National Career Institute: its completers carry a median $6,756 in federal loans versus $11,979 at American Institute-Toms River, a difference of $5,223. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
56% of students finish at National Career Institute, 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.