Cost & ROI · 2026
Is CEM College-Humacao worth it?
Pay $15,336/yr after aid. Graduates earn a median of $21,033 ten years out — about 1.4× the annual cost. EduGradify value grade: D.
The ROI math, in 30 seconds
Benchmarks
CEM College-Humacao vs Puerto Rico avg vs national avg
How this school stacks up against the typical Puerto Rico college and the typical US college.
| Metric | CEM College-Humacao | Puerto Rico avg | National avg |
|---|---|---|---|
| Avg net price | ▲ $15,336 | $8,636 | $18,467 |
| Median earnings 10y | ▼ $21,033 | $26,446 | $50,834 |
| Median debt | ▲ $5,000 | $9,412 | $19,694 |
| Graduation rate | ▼ 38.2% | 43.2% | 49.9% |
| Acceptance rate | — | 65.8% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $74,784 over four years. Most students get $3,360/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $5,000 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 24% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're well below that threshold.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median CEM College-Humacao grad earns about -$958,680 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about CEM College-Humacao
The average student at CEM College-Humacao pays $15,336 a year after grants and scholarships, against a $18,696 published sticker price. That is above the PR average net price of $8,636.
Ten years after entry, graduates earn a median of $21,033 — below the PR median of $26,446. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $5,000, roughly $54 a month on a standard ten-year plan — a manageable load at about 24% of one year's median earnings.
Smart alternatives
Cheaper Puerto Rico colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of CEM College-Humacao.
Frequently asked
Cost & ROI questions
What is the net price at CEM College-Humacao?
The average net price — what students actually pay after grants and scholarships — is $15,336 per year. That's $3,360/yr in financial aid against the $18,696 sticker price. Over four years, that adds up to roughly $61,344.
How much do CEM College-Humacao graduates earn?
Ten years after enrolling, CEM College-Humacao graduates earn a median of $21,033 per year — below the national average of $50,834. That's about 1.4× the annual net cost.
How much debt do CEM College-Humacao graduates take on?
Median federal loan debt at graduation is $5,000 — about $54/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 8.1% of students take federal loans.
Is CEM College-Humacao worth the cost?
EduGradify assigns CEM College-Humacao a value grade of D — top 94% on real ROI nationally. The math: pay $15,336/yr, earn $21,033/yr ten years out, ROI score of 3.43. Exceptional Investment.
What financial aid is available at CEM College-Humacao?
94.3% of students receive federal Pell Grants (need-based federal aid). 8.1% take federal student loans. On average, students get $3,360 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at CEM College-Humacao?
In-state tuition is $12,900 per year. Out-of-state tuition is $12,900 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at CEM College-Humacao?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $15,256. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →