11.8%
Debt-to-earnings
Debt-to-earnings ratio of 11.8% at Careers Unlimited exceeds the 8% gainful-employment threshold ($27.4k debt amortized over 10 years vs $30.8k earnings).
Utah · Private for-profit · Predominantly bachelor's
Careers Unlimited
Orem, Utah. 118 undergraduate students. 1 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at Careers Unlimited
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
+29%
First-year retention
First-year retention at Careers Unlimited rose 29% between 2007 and 2009 (77.3% → 100.0%).
+124%
Median federal debt at exit
Median federal debt at exit at Careers Unlimited rose 124% between 2007 and 2009 ($8.5k → $19.0k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Utah
Each tile compares this institution to the Utah median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$30,829-36% · 6→10y
Utah median $35,805$48,228
Treasury earnings · 6y post-entry—±0% · '06→'15
Utah median 69.4%$27,396+124% · '07→'09
At program completion118+436% · '06→'24
latest IPEDS—+29% · '07→'09
first-time, full-time—+96% · '07→'09
latest cohort—
annualSECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
11.8%Median federal debt $27,396 amortized over 10 years vs. median earnings $30,829 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
150%-time completion rate.
Median federal student debt at exit.
+29%
Careers Unlimited · retention rose
77.3% → 100.0%
+48%
Careers Unlimited · undergrad enrollment rose
22 → 118
+124%
Careers Unlimited · median debt rose
$8,500 → $19,000
+145%
Careers Unlimited · pell share rose
22.2% → 54.5%
+41%
Careers Unlimited · earnings_median_8yr rose
$25,500 → $35,874
+62%
Careers Unlimited · earnings_median_6yr rose
$29,700 → $48,228
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
SECTION 06 · BY CIP FAMILY
1 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
HEALTH PROFESSIONS · CIP 51
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at Careers Unlimited
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
EARNINGS SUPPRESSED
Federal privacy rules suppressed earnings for Dental Support Services and Allied Professions · Bachelor's Degree at Careers Unlimited(cohort below 30 students). The calculator can’t produce a number we’d stand behind, so we don’t.
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Utah
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“Careers Unlimited graduates earn $X” — not “Careers Unlimited makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending Careers Unlimited caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.