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Central Christian College of the Bible

Moberly, MO 65270-1997 — Private Nonprofit

Value Score: 55/100 | ROI Score: -29 | Affordability Score: 75/100

Tuition (In-State): $12,200 | Out-of-State: $12,200

Graduation Rate: 31.8% | Retention Rate: 68.8%

Median Earnings (10yr): $34,675 | Median Debt: $17,500

Student Body Size: 154 (small)

Pell Grant Recipients: 46.1% | Federal Loan Rate: 40.9%

Average Faculty Salary: $4,557/month

Tuition & Affordability Analysis

In-state tuition at Central Christian College of the Bible is $12,200 per year, which is 69% below the national average for private institutions.

Out-of-state students pay $12,200/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.

Estimated four-year tuition cost: $48,800 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at Central Christian College of the Bible:

  • Families earning $0–$30,000: $10,548/year
  • Families earning $30,001–$48,000: $14,075/year
  • Families earning $75,001–$110,000: $16,360/year
  • Families earning $110,000+: $16,886/year

Low-income families receive an average discount of $1,652/year, paying just 86% of the sticker price.

Graduate Outcomes & Return on Investment

31.8% of students at Central Christian College of the Bible complete their degree, 49% below the national average. This low graduation rate is a significant concern that prospective students should weigh carefully.

First-year retention rate: 68.8% (15% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of Central Christian College of the Bible earn a median salary of $34,675 ten years after enrollment, 15% below the national average.

The median student debt at graduation is $17,500, 19% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $190/month, with a total repayment of $22,800 (including $5,300 in interest).

Debt-to-Earnings Ratio: 0.50x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.

Financial Aid Profile

46.1% of students at Central Christian College of the Bible receive Pell Grants (federal need-based aid for families earning under ~$60,000), 40% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

40.9% of students take federal loans, 13% below the national average. This is a moderate borrowing rate.

Average faculty salary: $4,557/month, 48% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Central Christian College of the Bible enrolls 154 undergraduate students. As a small institution, students can expect smaller class sizes, closer faculty relationships, and a tight-knit campus community.

Diversity Index: 57/100 (higher = more diverse). The campus has moderate diversity.

Student body composition: White 63%, Hispanic 10%, Black 14%, Asian 4%.

Central Christian College of the Bible: Small Private Institution with Unique Religious Focus

Report Card: Overall Grade D+

Central Christian College of the Bible receives an overall grade of D+ based on six dimensions:

  • Academics: D
  • Value: F
  • Outcomes: D
  • Affordability: A+

College Analysis

Central Christian College of the Bible is a Private Nonprofit institution in Moberly, MO with approximately 154 students. Academics: Specializes in religious studies with a strong emphasis on Bible-related courses. Value: Moderate tuition with a relatively low median debt, but poor graduation and earnings rates. Outcomes: Low graduation rate and median earnings, indicating potential challenges in job placement.

The Verdict: Is Central Christian College of the Bible Worth It?

Central Christian College of the Bible presents a challenging value proposition, particularly when viewed through a traditional ROI lens. With a median 10-year earning potential of $34,675 and median debt of $17,500, the debt-to-earnings ratio is not immediately favorable. The ROI score of -29 further underscores this concern, suggesting that, on average, graduates do not recoup their investment through salary alone within a typical timeframe. The cost of tuition ($12,200 annually) is moderate, but the low median earnings significantly impact the financial return. A direct comparison: if a graduate earns $34,675 annually, it would take approximately 6.5 years of their gross salary to pay off the median debt of $17,500, not accounting for interest or living expenses. This school is not a 'good deal' in terms of maximizing financial return on investment. It is likely best suited for students whose primary motivation is preparation for ministry and service, where the vocational and spiritual fulfillment outweighs purely financial considerations. For those prioritizing high earning potential, this is likely an overpriced option. It is not a hidden gem for financial gain, but rather a specialized institution for a specific career path.

Return on Investment

The degree may not be worth the cost given the low earnings and high debt.

Debt Reality Check

Median student debt at Central Christian College of the Bible: $17,500. Monthly payment on a standard 10-year plan: $199/month. Total repaid: $23,880 ($6,380 in interest).

Breakeven vs high school diploma: 3.7 years. Debt burden: Manageable. Salary needed for comfortable repayment: $23,880.

Strengths

  • Strong religious curriculum and community.
  • Moderate tuition.

Weaknesses

  • Low graduation and earnings rates.
  • High median debt.

Academic Profile

Retention Rate: 68.8%.

CCCB offers a focused academic experience designed to prepare students for ministry and service. While specific departmental strengths aren't detailed by external metrics, programs like Ministry Leadership, Biblical Studies, and Christian Education are central to its mission. Given the college's size and mission, faculty are likely to be deeply invested in student success, offering personalized attention. The student-faculty ratio, though not explicitly provided, is undoubtedly low, fostering an environment where students can engage directly with instructors. Research opportunities might be more integrated into coursework and capstone projects rather than large-scale, independent research labs. Academic support resources are likely robust, with faculty and staff dedicated to helping students succeed, particularly in their theological and ministerial studies. Honors programs may exist in a more informal capacity, with high-achieving students receiving enriched learning experiences or leadership roles. Study abroad opportunities, if available, would likely be mission-focused trips to further immerse students in global ministry contexts. The emphasis is on practical application of biblical knowledge and leadership skills.

Financial Aid Guide for Central Christian College of the Bible

Pell Grant recipients: 46.1%. Students taking federal loans: 40.9%.

Navigating financial aid at Central Christian College of the Bible (CCCB) is a crucial step for prospective students. The stated tuition of $12,200 per year is a starting point, but understanding the full financial picture involves exploring various aid avenues. CCCB likely offers a combination of merit-based aid (based on academic achievement) and need-based aid. Given the college's mission, there may be specific scholarships available for students pursuing ministry-related fields or those demonstrating strong leadership and commitment to faith. Work-study programs are a common way for students to offset costs, providing on-campus employment opportunities. Typical aid packages can vary significantly based on individual circumstances, but students should expect to combine institutional aid, federal grants (like Pell Grants, if eligible), federal loans, and potentially external scholarships. It's essential to complete the FAFSA (Free Application for Federal Student Aid) early to be considered for all federal and institutional aid. While CCCB may not have a formal negotiation policy like larger universities, discussing financial concerns with the admissions or financial aid office is always recommended, especially if you have extenuating circumstances or competing offers. Proactive communication and a clear understanding of your financial needs will be key to securing the best possible aid package.

Hidden Costs at Central Christian College of the Bible

  • Room and board: Expect to pay approximately $8,000 - $10,000 annually for on-campus housing and a meal plan.
  • Textbooks and supplies: Budget around $800 - $1,200 per academic year for required course materials.
  • Student activity fees: These can range from $200 - $500 per semester, covering campus events and organizations.
  • Transportation: Depending on your personal needs and whether you bring a car, factor in costs for gas, maintenance, or public transport, potentially $500 - $1,500 annually.
  • Personal expenses: This includes toiletries, laundry, snacks, and entertainment, which can add up to $1,000 - $2,000 per year.
  • Technology fees: Some institutions charge a fee for access to campus networks and IT support, potentially $100 - $300 annually.
  • Graduation fees: A one-time fee, often around $100 - $200, is typically assessed in the final year.

Alumni Outcomes & Career Paths

Central Christian College of the Bible (CCCB) is a specialized institution, and its alumni outcomes reflect a strong focus on ministry and related fields. While specific data on major employers actively recruiting from CCCB is not publicly detailed, graduates typically find roles within faith-based organizations, churches, and non-profits. Industries where alumni cluster are predominantly religious education, pastoral care, youth ministry, missions, and church administration. Given the nature of the institution, a formal graduate school placement rate is not a primary metric tracked or heavily promoted; however, some alumni may pursue advanced degrees in theology, divinity, or counseling from seminaries and divinity schools. Notable alumni often remain within the ministry sphere, leading churches or organizations, though public profiles of such individuals are not widely advertised. Career services at CCCB likely focus on connecting students with ministry opportunities, church internships, and pastoral roles. Internship pipelines are probably cultivated through existing church networks and denominational partnerships, facilitating practical experience in ministry settings. Geographic hiring patterns for CCCB graduates tend to be concentrated within regions with a strong presence of their affiliated denominations or where ministry needs are identified, often across the Midwest and other parts of the United States where these churches are active. Specific company names are less relevant than the types of organizations: local churches (e.g., Assemblies of God, Church of God congregations), denominational bodies, Christian non-profits, and mission organizations.

Campus Life & Culture at Central Christian College of the Bible

The student body at Central Christian College of the Bible is intentionally composed of individuals seeking a rigorous, faith-based education with a focus on ministry and service. Students typically come from backgrounds that value Christian principles, and the geographic mix often includes a significant representation from the Midwest, though students from across the country may attend. The student who thrives here is one who is eager to grow spiritually, contribute positively to a small community, and is committed to academic and personal development within a Christian framework.

Central Christian College of the Bible (CCCB) cultivates a close-knit community deeply rooted in its faith. With a student body of just over 150, you'll quickly get to know your peers and professors. The 'vibe' is intentionally relational and focused on spiritual growth, making it an ideal environment for students seeking a supportive, faith-centered educational experience. Social life revolves around campus events, small group ministries, and shared meals. Expect spontaneous worship gatherings, movie nights in the student center, and weekend trips organized by student leadership. Housing is primarily dormitory-style, fostering a sense of communal living. While there isn't a formal Greek life system, the strong sense of belonging among students often fills that social niche. Athletics are a significant part of campus life, with the Tigers competing in various intercollegiate sports, providing opportunities for both athletes and enthusiastic fans. The campus itself is compact and walkable, centered around academic buildings and the chapel, making it easy to navigate and encouraging interaction. Traditions often center around spiritual retreats, mission trips, and celebrating milestones within the CCCB community. Dining is a communal affair, with the cafeteria serving as a central hub for students to connect over meals.

Campus Highlights

  • Strong emphasis on spiritual formation and discipleship.
  • Close-knit community with a low student-to-faculty ratio.
  • Opportunities for hands-on ministry experience and mission trips.
  • Active student life with organized events and spiritual gatherings.
  • Supportive environment for students pursuing ministry-related careers.
  • Compact, walkable campus fostering easy interaction.
  • Athletic programs (Tigers) that build camaraderie and school spirit.

Location & Regional Advantages

Located in Moberly, Missouri, Central Christian College of the Bible benefits from a small-town environment that aligns with its mission-focused student body. Moberly offers a low cost of living, making it an attractive location for students and graduates who may enter fields with modest starting salaries, such as ministry. The local job market is primarily driven by education, healthcare, and small businesses, with limited direct opportunities in large corporate sectors. However, CCCB's geographic advantage lies less in its immediate surroundings and more in its ability to serve a national network of churches and faith-based organizations. Proximity to larger cities like Columbia (about 45 minutes away) offers access to more diverse amenities and potential internship sites, though these are not typically the primary focus for CCCB graduates. The quality of life in Moberly is characterized by a close-knit community and a slower pace, which can be appealing to those seeking a focused academic and spiritual environment. Weather is typical of the Midwest, with four distinct seasons. Safety is generally good in smaller Midwestern towns like Moberly. The location's primary impact on career opportunities post-graduation is its role as a central point for training individuals who will then serve in churches and ministries across the country, leveraging a national network rather than a localized industry hub.

How to Get Into Central Christian College of the Bible

Gaining admission to Central Christian College of the Bible (CCCB) is less about navigating a highly competitive admissions landscape and more about demonstrating a genuine commitment to the college's mission and values. CCCB likely values applicants who are seeking a faith-based education and are eager to contribute to its close-knit community. While specific GPA or test score ranges aren't published, a solid academic record demonstrating readiness for college-level work is expected. Essays are a prime opportunity to articulate your spiritual journey, your calling to ministry or service, and why CCCB is the right fit for you. Highlight experiences that showcase leadership, community involvement, and a desire to grow in your faith. Since selectivity isn't the primary focus, demonstrating 'fit' and enthusiasm for the CCCB experience will be paramount. There's likely no formal Early Decision or Early Action advantage, but applying well before the priority deadlines (which you should confirm with the admissions office) will ensure you have ample time for financial aid processing and a smooth transition. Focus on a well-rounded application that reflects your character and aspirations.

How Central Christian College of the Bible Compares to Similar Schools

Similar schools: Ozark Christian College (Joplin, MO), Hillsdale College (Hillsdale, MI), Taylor University (Upland, IN)

Advantages

  • Lower tuition cost compared to some private liberal arts colleges.
  • Strong focus on biblical studies and ministry preparation, offering specialized training.
  • Small student-to-faculty ratio fostering close relationships and personalized attention.

Disadvantages

  • Significantly lower median graduate earnings compared to peers.
  • Limited program diversity and fewer career pathways outside of ministry.
  • Lower graduation rate suggests potential challenges with student retention or program completion.

Best For

  • Students seeking a broad, secular education may find this college unsuitable.
  • Prospective students should consider the low graduation and earnings rates.
  • Students with financial constraints may find the median debt concerning.

Avoid If

  • Students looking for a career in religious ministry or related fields.
  • Prospective students interested in a small, close-knit community.

Frequently Asked Questions about Central Christian College of the Bible

How much does it cost to attend Central Christian College of the Bible?

In-state tuition at Central Christian College of the Bible is $12,200 per year, and out-of-state tuition is $12,200 per year. The median student debt at graduation is $17,500.

What is the graduation rate at Central Christian College of the Bible?

Central Christian College of the Bible has a graduation rate of 31.8%.

How much do Central Christian College of the Bible graduates earn?

The median earnings for Central Christian College of the Bible graduates 10 years after enrollment is $34,675. With median debt of $17,500, graduates earn roughly 2.0x their debt level annually.

How big is Central Christian College of the Bible?

Central Christian College of the Bible has approximately 154 students and is classified as a small institution. It is located in Moberly, MO and is a Private Nonprofit institution.

Is Central Christian College of the Bible worth the cost?

Central Christian College of the Bible has an ROI score of -29 out of 100. With in-state tuition of $12,200 per year and median post-graduation earnings of $34,675, the data suggests the return on investment may be below average.

Where is Central Christian College of the Bible located?

Central Christian College of the Bible is located in Moberly, MO. It is a Private Nonprofit institution with approximately 154 students.

How much student debt do Central Christian College of the Bible graduates have?

The median student debt for Central Christian College of the Bible graduates is $17,500. With median earnings of $34,675 ten years after enrollment, graduates can expect a debt-to-income ratio of 50%.

Is Central Christian College of the Bible a good college?

Central Christian College of the Bible has a graduation rate of 31.8% and median post-graduation earnings of $34,675. Highly specialized curriculum focusing on religious studies.

How does Central Christian College of the Bible compare to similar colleges?

Moderate tuition but high median debt. Compared to peer institutions, Central Christian College of the Bible offers a unique religious education but struggles with low graduation and earnings rates.

What career prospects do Central Christian College of the Bible graduates have?

Graduates are well-prepared for careers in ministry and religious leadership roles.

What should prospective students know about Central Christian College of the Bible?

The college holds a niche position in the market, catering to students seeking a religious education.

What makes Central Christian College of the Bible stand out?

Low graduation and earnings rates compared to peers.

What are the pros and cons of attending Central Christian College of the Bible?

Predominantly white student body with a small percentage of Asian students.

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.