Analysis
A $26,500 debt load for first-year earnings around $35,000—typical figures for Multi-/Interdisciplinary Studies programs nationally—puts graduates in manageable but not enviable territory. Based on national patterns from similar programs, this degree comes with a debt burden equal to 75% of first-year salary, meaning graduates would dedicate roughly three-quarters of a year's income to paying off loans if they committed everything to debt (obviously unrealistic, but it provides scale). That's not catastrophic, but it's also not positioning anyone for quick financial freedom.
The challenge here is Ohio-specific. While Gods Bible School's estimated outcomes align with national patterns, Multi-/Interdisciplinary Studies programs elsewhere in Ohio report median earnings of $41,513—about $6,000 more annually. The University of Toledo, for instance, shows graduates earning at that higher level. That gap matters when you're making loan payments: an extra $500 monthly changes budgeting possibilities considerably.
The real question is whether the interdisciplinary approach at a faith-based institution delivers value beyond the numbers—specialized ministry preparation, tight community connections, or career paths where earnings accelerate later. If this program serves as preparation for graduate school or fields where credentials matter more than undergraduate earnings, the modest debt could make sense. But if the plan is direct workforce entry, comparable programs in Ohio appear to offer stronger financial positioning right out of the gate.
Where Gods Bible School and College Stands
Earnings vs. debt across all multi-/interdisciplinary studies bachelors's programs nationally
Compare to Similar Programs in Ohio
Multi-/Interdisciplinary Studies bachelors's programs at peer institutions in Ohio (9 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
 Gods Bible School and CollegeCincinnati | $7,696 | $35,282* | — | $26,500* | — |
 University of ToledoToledo | $12,377 | $41,513* | $39,840 | $31,355* | 0.76 |
| National Median | — | $35,282* | — | $26,000* | 0.74 |
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Gods Bible School and College, approximately 23% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 55 similar programs. Actual outcomes may vary.