Program Analysis
First-year earnings of $39,834 at Carolina University come in 18% above the national median of $33,741 for Bible/Biblical Studies programs.
At 7.4x the cost of in-state tuition, the ten-year earnings outlook represents a strong return. Not exceptional, but meaningfully positive.
AI risk is moderate — 48% task exposure — and the 5% scenario spread suggests disruption would dent but not destroy the earnings outlook.
The $21,029 debt-to-$39,834 income ratio translates to about 6 months of earnings. Standard loan terms should handle this comfortably.
Ranked #13 out of 37 programs, Carolina University's Bible/Biblical Studies offering sits in the upper half but doesn't break into the top tier.