New Jersey Institute of Technology vs Yeshiva Toras Chaim: which has better ROI?
Yeshiva Toras Chaim has the better ROI: it clears its 4-year net cost of $21,424 in 1.5 years versus 1.8 years at New Jersey Institute of Technology, on median earnings of $62,526 vs $84,276 ten years out. (Scorecard, 2026 · our math.)
| Measure | New Jersey Institute of Technology | Yeshiva Toras Chaim |
|---|---|---|
| Net price / yr | $16,504 | $5,356 |
| Total net cost | $66,016 | $21,424 |
| Median earnings, 10 yrs | $84,276 | $62,526 |
| Median debt | $21,000 | — |
| Payback | 1.8 yrs | 1.5 yrs |
| 20-year net return | $652,304 | $261,896 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, New Jersey Institute of Technology or Yeshiva Toras Chaim?
Yeshiva Toras Chaim, at $5,356 a year after aid versus $16,504 — a gap of $11,148 a year, or $44,592 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do New Jersey Institute of Technology or Yeshiva Toras Chaim graduates earn more?
New Jersey Institute of Technology graduates report a median $84,276 ten years after entry, $21,750 more than the $62,526 at Yeshiva Toras Chaim. 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 graduates more of its students?
73% of students finish at New Jersey Institute of Technology, against 31% at Yeshiva Toras Chaim. 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.