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Return on Investment Analysis

University of Massachusetts-Lowell ROI Analysis

Comprehensive ROI analysis based on tuition costs, graduate earnings, financial aid, and long-term earning potential.

Quick answer

USACollegeData.com ROI analysis (College Scorecard data): four years at University of Massachusetts-Lowell costs about $66,280 in in-state tuition, and graduates earn a median of $61,467 five years after graduation — the investment breaks even in roughly 2.5 years (20-year ROI: 699%).

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 4yr Cost Median Earnings (5yr) Est. 20yr ROI
Business Administration, Management and Operations $66,280 $102,637 1941%
Criminal Justice and Corrections $66,280 $62,912 742%
Psychology, General $66,280 $65,507 821%
Mechanical Engineering $66,280 $95,688 1731%
Information Science/Studies $66,280 $77,727 1189%
Biology, General $66,280 $66,988 865%
Electrical, Electronics and Communications Engineering $66,280 $105,923 2040%
Public Health $66,280 $52,704 434%
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing $66,280 $77,250 1175%
Rehabilitation and Therapeutic Professions $66,280 $76,648 1157%
Civil Engineering $66,280 $73,411 1059%
Chemical Engineering $66,280 $94,160 1685%
Liberal Arts and Sciences, General Studies and Humanities $66,280 $36,288 -61%
Computer Engineering $66,280 $0 N/A
Polymer/Plastics Engineering $66,280 $79,493 1243%
Mathematics $66,280 $68,535 912%
English Language and Literature, General $66,280 $40,108 54%
Curriculum and Instruction $66,280 $58,949 623%
Health and Medical Administrative Services $66,280 $0 N/A
Computer and Information Sciences, General $66,280 $0 N/A
Clinical/Medical Laboratory Science/Research and Allied Professions $66,280 $69,333 936%
Music $66,280 $30,623 N/A
Educational Administration and Supervision $66,280 $0 N/A
Design and Applied Arts $66,280 $0 N/A

Peer Comparison

University of Massachusetts-Lowell Current

699%

20yr ROI

Simmons University

190%

20yr ROI

CUNY Bernard M Baruch College

1678%

20yr ROI

Binghamton University

1184%

20yr ROI

University of Wisconsin-Madison

1072%

20yr ROI

Financial Aid Impact

Before Aid

4-Year Tuition$66,280
Median Debt$23,704

After Aid (Estimated)

Estimated Total Aid$0
Net 4-Year Cost$66,280

Frequently Asked Questions

Based on government data, University of Massachusetts-Lowell has an estimated 20-year ROI of 699%. The total 4-year cost is $66,280 and graduates earn a median of $61,467 within 5 years.

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.

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