Head-to-head comparison
The Master's University and Seminary vs Otis College of Art and Design: which has better ROI?
Option A Santa Clarita, CA
The Master's University and Seminary
- Net price / year
- $32,647
- Earnings, 10 years
- $57,106
- Payback
- 14.9 yrs
Option B Los Angeles, CA
Otis College of Art and Design
- Net price / year
- $51,248
- Earnings, 10 years
- $58,152
- Payback
- 20.9 yrs
The Master's University and Seminary has the better ROI: it clears its 4-year net cost of $130,588 in 14.9 years versus 20.9 years at Otis College of Art and Design, on median earnings of $57,106 vs $58,152 ten years out. (Scorecard, 2026 · our math.)
| Measure | The Master's University and Seminary | Otis College of Art and Design |
|---|---|---|
| Net price / yr | $32,647 | $51,248 |
| Total net cost | $130,588 | $204,992 |
| Median earnings, 10 yrs | $57,106 | $58,152 |
| Median debt | $20,500 | $27,000 |
| Payback | 14.9 yrs | 20.9 yrs |
| 20-year net return | $44,332 | -$9,152 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, The Master's University and Seminary or Otis College of Art and Design?
The Master's University and Seminary, at $32,647 a year after aid versus $51,248 — a gap of $18,601 a year, or $74,404 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 The Master's University and Seminary or Otis College of Art and Design graduates earn more?
Otis College of Art and Design graduates report a median $58,152 ten years after entry, $1,046 more than the $57,106 at The Master's University and Seminary. 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, The Master's University and Seminary or Otis College of Art and Design?
The Master's University and Seminary: its completers carry a median $20,500 in federal loans versus $27,000 at Otis College of Art and Design, a difference of $6,500. 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?
68% of students finish at The Master's University and Seminary, against 66% at Otis College of Art and Design. 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.