Atlantic Cape Community College vs American Institute-Toms River: which has better ROI?
Neither clears its cost on institution-wide earnings, but Atlantic Cape Community College comes closer — median earnings $34,241 against a $16,784 total, vs $28,710 at American Institute-Toms River. (Scorecard, 2026 · our math.)
| Measure | Atlantic Cape Community College | American Institute-Toms River |
|---|---|---|
| Net price / yr | $8,392 | $19,781 |
| Total net cost | $16,784 | $79,124 |
| Median earnings, 10 yrs | $34,241 | $28,710 |
| Median debt | $9,500 | $11,979 |
| Payback | — | — |
| 20-year net return | -$299,164 | -$472,124 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, Atlantic Cape Community College or American Institute-Toms River?
Atlantic Cape Community College, at $8,392 a year after aid versus $19,781 — a gap of $11,389 a year, or $62,340 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do Atlantic Cape Community College or American Institute-Toms River graduates earn more?
Atlantic Cape Community College graduates report a median $34,241 ten years after entry, $5,531 more than the $28,710 at American Institute-Toms River. 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, Atlantic Cape Community College or American Institute-Toms River?
Atlantic Cape Community College: its completers carry a median $9,500 in federal loans versus $11,979 at American Institute-Toms River, a difference of $2,479. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
55% of students finish at American Institute-Toms River, against 30% at Atlantic Cape Community College. 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.