Bachelor's · Moberly, Missouri

Is Pastoral Counseling and Specialized Ministries at Central Christian College of the Bible worth it?

Low confidence Low confidence: fewer than 40 graduates behind the earnings figures.

The verdict · all families, in-state, half paid with loans

Pays back slowly: graduates typically recover the cost in about 10 years.

Earnings 1 year after graduating: Not enough graduates to report; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $45,168; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: Not enough borrowers to report; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $49k (likely $48k – $67k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $7k a year vs high-school graduates aged 25–34 in MO; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 10 years (likely 4.4–20+); Bump vs net cost plus loan interest
10-year net return: −$169k (likely −$274k – −$60k); Today's dollars
20-year net return: −$78k (likely −$275k – $141k); Today's dollars
Odds of finishing (school-wide): 34%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26