Head-to-head comparison
Rowan College of South Jersey-Cumberland Campus vs American Institute-Somerset: which has better ROI?
Option A Vineland, NJ
Rowan College of South Jersey-Cumberland Campus
- Net price / year
- $10,562
- Earnings, 10 years
- $41,751
- Payback
- No payback
Option B Somerset, NJ
American Institute-Somerset
- Net price / year
- $20,464
- Earnings, 10 years
- $28,710
- Payback
- No payback
Neither clears its cost on institution-wide earnings, but Rowan College of South Jersey-Cumberland Campus comes closer — median earnings $41,751 against a $21,124 total, vs $28,710 at American Institute-Somerset. (Scorecard, 2026 · our math.)
| Measure | Rowan College of South Jersey-Cumberland Campus | American Institute-Somerset |
|---|---|---|
| Net price / yr | $10,562 | $20,464 |
| Total net cost | $21,124 | $81,856 |
| Median earnings, 10 yrs | $41,751 | $28,710 |
| Median debt | $12,000 | $11,979 |
| Payback | — | — |
| 20-year net return | -$153,304 | -$474,856 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Rowan College of South Jersey-Cumberland Campus or American Institute-Somerset?
Rowan College of South Jersey-Cumberland Campus, at $10,562 a year after aid versus $20,464 — a gap of $9,902 a year, or $60,732 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 Rowan College of South Jersey-Cumberland Campus or American Institute-Somerset graduates earn more?
Rowan College of South Jersey-Cumberland Campus graduates report a median $41,751 ten years after entry, $13,041 more than the $28,710 at American Institute-Somerset. 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, Rowan College of South Jersey-Cumberland Campus or American Institute-Somerset?
American Institute-Somerset: its completers carry a median $11,979 in federal loans versus $12,000 at Rowan College of South Jersey-Cumberland Campus, a difference of $21. 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?
56% of students finish at American Institute-Somerset, against 33% at Rowan College of South Jersey-Cumberland Campus. 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.