American Institute-Toms River
For-profit College in Toms River, NJ. Six-year graduation rate 55%. Median 10-year earnings $28,710.
Median earnings ten years after entry come to $28,710, below what most undergraduate institutions return — the central fact to weigh against cost here. 55% finish within six years — respectable, though a meaningful share still leave without a credential. Median debt at graduation is $11,979, a light load against those earnings.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
Completion is middling: 55% finish inside six years. Just 59% of first-years come back — most of the completion gap opens in year one. A 18:1 ratio is unremarkable; expect a mix of lecture halls and seminars. Being a for-profit two-year institution is the single most useful context for these numbers — the sector's spread is wide enough that the school-level figures matter more than usual. This is a small school — 679 undergraduates — so cohorts are tight and the program list is necessarily short.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 679 degree- or certificate-seeking undergraduates
Students pay an average of $19,781 annually once grants are applied. Net price varies modestly by income — $19,250 at $0–30k against $22,373 at $110k+ — so the average is a fair guide for most families. Grant aid reaches 80% of students at an average of $4,236. Most students borrow — 93% take federal loans to cover the gap.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 164 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $19,250 |
| $30–48k | $20,375 |
| $48–75k | $21,976 |
| $75–110k | $21,969 |
| $110k+ | $22,373 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 629 of these 679 students, totalling $4,152,282 — an average of $6,601 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Ocean County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026