Head-to-head comparison
Albany State University vs Toccoa Falls College: which has better ROI?
Option A Albany, GA
Albany State University
- Net price / year
- $11,898
- Earnings, 10 years
- $40,674
- Payback
- No payback
Option B Toccoa Falls, GA
Toccoa Falls College
- Net price / year
- $21,642
- Earnings, 10 years
- $36,630
- Payback
- No payback
Neither clears its cost on institution-wide earnings, but Albany State University comes closer — median earnings $40,674 against a $47,592 total, vs $36,630 at Toccoa Falls College. (Scorecard, 2026 · our math.)
| Measure | Albany State University | Toccoa Falls College |
|---|---|---|
| Net price / yr | $11,898 | $21,642 |
| Total net cost | $47,592 | $86,568 |
| Median earnings, 10 yrs | $40,674 | $36,630 |
| Median debt | $25,024 | $22,250 |
| Payback | — | — |
| 20-year net return | -$201,312 | -$321,168 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Albany State University or Toccoa Falls College?
Albany State University, at $11,898 a year after aid versus $21,642 — a gap of $9,744 a year, or $38,976 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
The short answer
Do Albany State University or Toccoa Falls College graduates earn more?
Albany State University graduates report a median $40,674 ten years after entry, $4,044 more than the $36,630 at Toccoa Falls College. 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.
The short answer
Which leaves students with less debt, Albany State University or Toccoa Falls College?
Toccoa Falls College: its completers carry a median $22,250 in federal loans versus $25,024 at Albany State University, a difference of $2,774. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
The short answer
Which graduates more of its students?
44% of students finish at Toccoa Falls College, against 31% at Albany State University. 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.