You would borrow a median $24,254 — about $276 a month for ten years. Graduates earn a median $46,543 ten years after starting, so the debt clears in roughly 3.5 years of the salary premium.
Think hard. On these numbers the salary premium struggles to clear what students borrow.
Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.
Every dollar you win is a dollar you never repay — and it moves the 3.5-year payback above. We list 1 scholarship tied to Bard College.
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The typical graded university clears its debt in 1.3 years on median earnings of $57,146 against $22,500 of debt. Bard College takes longer than that, and its graduates earn $7,023 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| Marymount Manhattan College New York | D | $25,750 | $49,131 | 2.7 yrs |
| The Culinary Institute of America New York | D | $15,750 | $47,475 | 2 yrs |
| Sarah Lawrence College New York | D | $27,000 | $53,603 | 1.9 yrs |
| Pratt Institute New York | D | $26,000 | $54,295 | 1.8 yrs |
| Alfred University New York | D | $26,000 | $54,897 | 1.7 yrs |
Source: US Department of Education College Scorecard — earnings and debt cover students who received federal financial aid and blend every subject taught at the institution. Figures imported 28 Aug 2026. This page is information, not financial advice.