Head-to-head comparison
Moody Bible Institute vs Carl Sandburg College: which has better ROI?
Option A Chicago, IL
Moody Bible Institute
- Net price / year
- $22,221
- Earnings, 10 years
- $45,399
- Payback
- No payback
Option B Galesburg, IL
Carl Sandburg College
- Net price / year
- $3,662
- Earnings, 10 years
- $35,274
- Payback
- No payback
Neither clears its cost on institution-wide earnings, but Moody Bible Institute comes closer — median earnings $45,399 against a $88,884 total, vs $35,274 at Carl Sandburg College. (Scorecard, 2026 · our math.)
| Measure | Moody Bible Institute | Carl Sandburg College |
|---|---|---|
| Net price / yr | $22,221 | $3,662 |
| Total net cost | $88,884 | $7,324 |
| Median earnings, 10 yrs | $45,399 | $35,274 |
| Median debt | $18,149 | $4,909 |
| Payback | — | — |
| 20-year net return | -$148,104 | -$269,044 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Moody Bible Institute or Carl Sandburg College?
Carl Sandburg College, at $3,662 a year after aid versus $22,221 — a gap of $18,559 a year, or $81,560 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 Moody Bible Institute or Carl Sandburg College graduates earn more?
Moody Bible Institute graduates report a median $45,399 ten years after entry, $10,125 more than the $35,274 at Carl Sandburg 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, Moody Bible Institute or Carl Sandburg College?
Carl Sandburg College: its completers carry a median $4,909 in federal loans versus $18,149 at Moody Bible Institute, a difference of $13,240. 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?
62% of students finish at Moody Bible Institute, against 50% at Carl Sandburg College. 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.