Head-to-head comparison
Universal Technical Institute-Bloomfield vs Centenary University: which has better ROI?
Option A Bloomfield, NJ
Universal Technical Institute-Bloomfield
- Net price / year
- $28,042
- Earnings, 10 years
- $51,222
- Payback
- 39.2 yrs
Option B Hackettstown, NJ
Centenary University
- Net price / year
- $20,503
- Earnings, 10 years
- $53,726
- Payback
- 15.3 yrs
Centenary University has the better ROI: it clears its 4-year net cost of $82,012 in 15.3 years versus 39.2 years at Universal Technical Institute-Bloomfield, on median earnings of $53,726 vs $51,222 ten years out. (Scorecard, 2026 · our math.)
| Measure | Universal Technical Institute-Bloomfield | Centenary University |
|---|---|---|
| Net price / yr | $28,042 | $20,503 |
| Total net cost | $112,168 | $82,012 |
| Median earnings, 10 yrs | $51,222 | $53,726 |
| Median debt | $14,267 | $23,163 |
| Payback | 39.2 yrs | 15.3 yrs |
| 20-year net return | -$54,928 | $25,308 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Universal Technical Institute-Bloomfield or Centenary University?
Centenary University, at $20,503 a year after aid versus $28,042 — a gap of $7,539 a year, or $30,156 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 Universal Technical Institute-Bloomfield or Centenary University graduates earn more?
Centenary University graduates report a median $53,726 ten years after entry, $2,504 more than the $51,222 at Universal Technical Institute-Bloomfield. 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, Universal Technical Institute-Bloomfield or Centenary University?
Universal Technical Institute-Bloomfield: its completers carry a median $14,267 in federal loans versus $23,163 at Centenary University, a difference of $8,896. 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?
67% of students finish at Universal Technical Institute-Bloomfield, against 56% at Centenary 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.