Head-to-head comparison
Rowan College of South Jersey-Cumberland Campus vs American Institute-Toms River: 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 Toms River, NJ
American Institute-Toms River
- Net price / year
- $19,781
- 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-Toms River. (Scorecard, 2026 · our math.)
| Measure | Rowan College of South Jersey-Cumberland Campus | American Institute-Toms River |
|---|---|---|
| Net price / yr | $10,562 | $19,781 |
| Total net cost | $21,124 | $79,124 |
| Median earnings, 10 yrs | $41,751 | $28,710 |
| Median debt | $12,000 | $11,979 |
| Payback | — | — |
| 20-year net return | -$153,304 | -$472,124 |
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-Toms River?
Rowan College of South Jersey-Cumberland Campus, at $10,562 a year after aid versus $19,781 — a gap of $9,219 a year, or $58,000 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-Toms River 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-Toms River. 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-Toms River?
American Institute-Toms River: 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?
55% of students finish at American Institute-Toms River, 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.