Head-to-head comparison
University of Toledo vs Bluffton University: which has better ROI?
Option A Toledo, OH
University of Toledo
- Net price / year
- $17,249
- Earnings, 10 years
- $50,632
- Payback
- 30.4 yrs
Option B Bluffton, OH
Bluffton University
- Net price / year
- $19,943
- Earnings, 10 years
- $49,547
- Payback
- 67.2 yrs
University of Toledo has the better ROI: it clears its 4-year net cost of $68,996 in 30.4 years versus 67.2 years at Bluffton University, on median earnings of $50,632 vs $49,547 ten years out. (Scorecard, 2026 · our math.)
| Measure | University of Toledo | Bluffton University |
|---|---|---|
| Net price / yr | $17,249 | $19,943 |
| Total net cost | $68,996 | $79,772 |
| Median earnings, 10 yrs | $50,632 | $49,547 |
| Median debt | $22,250 | $27,000 |
| Payback | 30.4 yrs | 67.2 yrs |
| 20-year net return | -$23,556 | -$56,032 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, University of Toledo or Bluffton University?
University of Toledo, at $17,249 a year after aid versus $19,943 — a gap of $2,694 a year, or $10,776 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 University of Toledo or Bluffton University graduates earn more?
University of Toledo graduates report a median $50,632 ten years after entry, $1,085 more than the $49,547 at Bluffton University. 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, University of Toledo or Bluffton University?
University of Toledo: its completers carry a median $22,250 in federal loans versus $27,000 at Bluffton University, a difference of $4,750. 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?
57% of students finish at University of Toledo, against 53% at Bluffton 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.