Lincoln Technical Institute-Paramus
For-profit College in Paramus, NJ. Median 10-year earnings $31,914.
Ten-year median earnings of $31,914 are on the low side, which raises the bar for what this degree needs to cost. Median debt at graduation is $10,521, 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.
- ✓ Debt-to-income ratio 0.33 — healthy (below the 0.40 threshold)
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
No six-year graduation rate is reported for this institution, which is common for schools whose students are mostly part-time, transfer in, or enroll in short programs that the federal cohort measure does not track. Its absence is not itself a bad sign, but it does remove the clearest completion signal. Retention of 63% means a meaningful slice of each entering class does not return. At 14:1, students get materially more instructor contact than at a typical public university. This is a for-profit short-program school. That is not disqualifying, but it does mean verifying accreditation, transferability of credits, and job-placement claims directly rather than trusting the category. At 1,106 undergraduates, expect a small, closely-held student body.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 1,106 degree- or certificate-seeking undergraduates
Students pay $41,313 a year on average after aid, a premium price that the earnings data has to justify. Net price varies modestly by income — $40,287 at $0–30k against $44,466 at $110k+ — so the average is a fair guide for most families. 87% of students get grant aid averaging $4,109, so the published price is a poor guide to what most pay. Borrowing is widespread: 85% take federal loans.
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 · 518 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 | $40,287 |
| $30–48k | $40,842 |
| $48–75k | $41,887 |
| $75–110k | $42,706 |
| $110k+ | $44,466 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 937 of these 1,106 students, totalling $6,120,086 — an average of $6,532 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Bergen County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026
Veterans & GI Bill
VA GI Bill Comparison Tool (Veterans Affairs GIDS)