Cost & ROI · 2026
Is Johnson C Smith University worth it?
Pay $20,894/yr after aid. Graduates earn a median of $42,680 ten years out — about 2.0× the annual cost. EduGradify value grade: D.
The ROI math, in 30 seconds
Benchmarks
Johnson C Smith University vs North Carolina avg vs national avg
How this school stacks up against the typical North Carolina college and the typical US college.
| Metric | Johnson C Smith University | North Carolina avg | National avg |
|---|---|---|---|
| Avg net price | ▼ $20,894 | $15,844 | $18,467 |
| Median earnings 10y | ▼ $42,680 | $44,299 | $50,834 |
| Median debt | ▼ $30,000 | $21,832 | $19,694 |
| Graduation rate | ▼ 34.3% | 47.2% | 49.9% |
| Acceptance rate | ▼ 45.2% | 67.4% | 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 $139,692 over four years. Most students get $14,029/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $30,000 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 70% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're below the recommended ceiling.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median Johnson C Smith University grad earns about -$92,800 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 Johnson C Smith University
The average student at Johnson C Smith University pays $20,894 a year after grants and scholarships, against a $34,923 published sticker price. That is above the NC average net price of $15,844.
Ten years after entry, graduates earn a median of $42,680 — below the NC median of $44,299. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $30,000, roughly $326 a month on a standard ten-year plan — a heavy load at about 70% of one year's median earnings.
Smart alternatives
Cheaper North Carolina colleges with comparable outcomes
Same state, at least 20% lower net price, with earnings within reach of Johnson C Smith University.
Elizabeth City, NC · Public Elizabeth City State University A 
Chapel Hill, NC · Public University of North Carolina at Chapel Hill A Frequently asked
Cost & ROI questions
What is the net price at Johnson C Smith University?
The average net price — what students actually pay after grants and scholarships — is $20,894 per year. That's $14,029/yr in financial aid against the $34,923 sticker price. Over four years, that adds up to roughly $83,576.
How much do Johnson C Smith University graduates earn?
Ten years after enrolling, Johnson C Smith University graduates earn a median of $42,680 per year — below the national average of $50,834. That's about 2.0× the annual net cost.
How much debt do Johnson C Smith University graduates take on?
Median federal loan debt at graduation is $30,000 — about $326/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 74.6% of students take federal loans.
Is Johnson C Smith University worth the cost?
EduGradify assigns Johnson C Smith University a value grade of D — top 79% on real ROI nationally. The math: pay $20,894/yr, earn $42,680/yr ten years out, ROI score of 5.11. Exceptional Investment.
What financial aid is available at Johnson C Smith University?
69.5% of students receive federal Pell Grants (need-based federal aid). 74.6% take federal student loans. On average, students get $14,029 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at Johnson C Smith University?
In-state tuition is $21,300 per year. Out-of-state tuition is $21,300 per year — a difference of $0/yr or $0 over four years.
How does net price change with family income at Johnson C Smith University?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $19,940. Students from families earning over $110k pay about $29,050. 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 →