University of Massachusetts-Lowell ROI Analysis
Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.
ROI Summary
Total 4-Year Cost
$66,280
In-state tuition x 4
Earnings Premium
$26,467/yr
above high school diploma avg
Break-Even Point
2.5 years
After graduation
20-Year ROI
699%
Return on investment
ROI Analysis
The University of Massachusetts-Lowell has an acceptance rate of 85.2% and a graduation rate of 70.6%. The average in-state tuition is $16,570. One year after graduation, alumni earn $59,431, with earnings increasing to $61,467 after five years and $64,874 after ten years. The median debt for students is $23,704, and 53.5% of students receive financial aid.
Based on the provided data, the debt-to-income ratio is favorable. The median debt of $23,704 is significantly less than the one-year earnings of $59,431. The break-even point, or the time it takes to earn back the cost of tuition, is less than one year.
Generated from College Scorecard & IPEDS data
The Numbers
Annual Tuition (In-State)
$16,570
Median Debt at Graduation
$23,704
Median Earnings (5yr)
$61,467
Graduation Rate
71%
Receive Financial Aid
54%
Avg Aid Amount
N/A
Program-Level ROI
| Program | Median Earnings (5yr) | Est. 20yr ROI |
|---|---|---|
| Business Administration, Management and Operations | $102,637 | 1941% |
| Criminal Justice and Corrections | $62,912 | 742% |
| Psychology, General | $65,507 | 821% |
| Mechanical Engineering | $95,688 | 1731% |
| Information Science/Studies | $77,727 | 1189% |
| Biology, General | $66,988 | 865% |
| Electrical, Electronics and Communications Engineering | $105,923 | 2040% |
| Public Health | $52,704 | 434% |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | $77,250 | 1175% |
| Rehabilitation and Therapeutic Professions | $76,648 | 1157% |
| Civil Engineering | $73,411 | 1059% |
| Chemical Engineering | $94,160 | 1685% |
Peer Comparison
699%
20yr ROI
190%
20yr ROI
1678%
20yr ROI
1184%
20yr ROI
1072%
20yr ROI
Financial Aid Impact
Before Aid
After Aid (Estimated)
Frequently Asked Questions
Methodology
ROI calculations are based on data from the U.S. Department of Education College Scorecard. The earnings premium is calculated as the difference between median graduate earnings and the national average earnings for high school diploma holders ($35,000).
The 20-year ROI formula: ((Earnings Premium x 20) - Total Cost) / Total Cost x 100. Break-even point: Total Cost / Annual Earnings Premium. All figures use in-state tuition and do not account for inflation, opportunity cost, or financial aid variations.