Cost & ROI · 2026
Is Charter Oak State College worth it?
Pay $15,815/yr after aid. Graduates earn a median of $64,209 ten years out — about 4.1× the annual cost. EduGradify value grade: B.
The ROI math, in 30 seconds
Benchmarks
Charter Oak State College vs Connecticut avg vs national avg
How this school stacks up against the typical Connecticut college and the typical US college.
| Metric | Charter Oak State College | Connecticut avg | National avg |
|---|---|---|---|
| Avg net price | ▲ $15,815 | $26,872 | $18,467 |
| Median earnings 10y | ▲ $64,209 | $64,442 | $50,834 |
| Median debt | ▲ $18,683 | $22,882 | $19,694 |
| Graduation rate | ▲ 66.7% | 61.7% | 49.9% |
| Acceptance rate | — | 67.9% | 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 $92,840 over four years. Most students get $7,395/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $18,683 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 29% 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 Charter Oak State College grad earns about $768,360 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 Charter Oak State College
The average student at Charter Oak State College pays $15,815 a year after grants and scholarships, against a $23,210 published sticker price. That is below the CT average net price of $26,872.
Ten years after entry, graduates earn a median of $64,209 — below the CT median of $64,442. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $18,683, roughly $203 a month on a standard ten-year plan — a manageable load at about 29% of one year's median earnings.
Smart alternatives
Cheaper Connecticut colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of Charter Oak State College.
Frequently asked
Cost & ROI questions
What is the net price at Charter Oak State College?
The average net price — what students actually pay after grants and scholarships — is $15,815 per year. That's $7,395/yr in financial aid against the $23,210 sticker price. Over four years, that adds up to roughly $63,260.
How much do Charter Oak State College graduates earn?
Ten years after enrolling, Charter Oak State College graduates earn a median of $64,209 per year — above the national average of $50,834. That's about 4.1× the annual net cost.
How much debt do Charter Oak State College graduates take on?
Median federal loan debt at graduation is $18,683 — about $203/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 45.2% of students take federal loans.
Is Charter Oak State College worth the cost?
EduGradify assigns Charter Oak State College a value grade of B — top 28% on real ROI nationally. The math: pay $15,815/yr, earn $64,209/yr ten years out, ROI score of 10.15. Exceptional Investment.
What financial aid is available at Charter Oak State College?
44% of students receive federal Pell Grants (need-based federal aid). 45.2% take federal student loans. On average, students get $7,395 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at Charter Oak State College?
In-state tuition is $8,506 per year. Out-of-state tuition is $8,506 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at Charter Oak State College?
Net price is income-adjusted — lower-income families typically pay much less. 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 →