Rutgers University-Newark 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 3 years at Rutgers University-Newark, on median earnings of $62,526 vs $74,479 ten years out. (Scorecard, 2026 · our math.)
| Measure | Rutgers University-Newark | Yeshiva Toras Chaim |
|---|---|---|
| Net price / yr | $19,703 | $5,356 |
| Total net cost | $78,812 | $21,424 |
| Median earnings, 10 yrs | $74,479 | $62,526 |
| Median debt | $21,500 | — |
| Payback | 3 yrs | 1.5 yrs |
| 20-year net return | $443,568 | $261,896 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, Rutgers University-Newark or Yeshiva Toras Chaim?
Yeshiva Toras Chaim, at $5,356 a year after aid versus $19,703 — a gap of $14,347 a year, or $57,388 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do Rutgers University-Newark or Yeshiva Toras Chaim graduates earn more?
Rutgers University-Newark graduates report a median $74,479 ten years after entry, $11,953 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?
64% of students finish at Rutgers University-Newark, 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.