10-YEAR PAYOFF CURVECumulative economic payoff after graduation
+$773,386at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private nonprofit · COLLEGE PAYOFF
Massachusetts Institute of Technology
Cambridge, MA · 21 field-and-degree records
Earnings reported for 21 · Federal debt reported for 9
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Strong payoff
+$773,386 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
2.5 yrsTime to earn back the modeled cost
+297%Estimated return after 10 years
$148,383Observed earnings · year 5
$213,458Highest annual price before payoff reaches $0
The price benchmark is $193,347 per year below this threshold.
Start with your question
What do you want to understand?
ECONOMIC INVESTMENT → PAYBACK
Estimated payoff over ten years.
The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.
FEDERAL COST DATA
Four ways to read college price.
Annual college-wide figures from the current College Scorecard release. Average net price covers full-time, first-time undergraduates receiving federal aid; public-college figures use in-state students. Program tuition and individual aid offers may differ.
PUBLISHED STUDENT BUDGET · 2024–25
What makes up the annual price?
Sticker-price components reported to IPEDS. Grants and scholarships are not subtracted here.
Living off campus: $20,280 housing and food allowance plus $2,374 in other expenses.
Do not confuse this with net price. Net price subtracts average grants and scholarships. DegreeVerdict continues to use the separately labeled average net price in its standard college ROI scenario.
PRICE SENSITIVITY
The price can change the verdict.
Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.
← Negative payoff$0Positive payoff →
$0Annual price+$853,830
$20,000Current college-wide context+$773,830
$40,000Annual price+$693,830
$60,000Annual price+$613,830
$80,000Annual price+$533,830
$100,000Annual price+$453,830
HOW STUDENTS ATTEND · 2023-24
Most students study without distance-education courses.
IPEDS enrollment counts show course delivery across the whole institution. They do not indicate whether a specific degree can be completed online.
Institution-level attendance context from IPEDS. Program delivery is reported separately on degree pages and in the program directory. These figures do not enter ROI.
College identity and local contextAccreditation, institution type, dual enrollment and state prices
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- New England Commission on Higher Education
- Main award level
- Bachelor’s degrees
- Campus setting
- City
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- Land-grant institution
STATE PRICE CONTEXT · 2024
Prices in Massachusetts run 6% above the U.S. level.
BEA Regional Price Parities compare price levels across states. A value of 100 equals the national average.
What it costs and what graduates earn
$20,111Average net price / year
$82,730Cost of attendance
$14,768Median federal student debt · completer borrowers
$157/moPublished 10-year payment estimate
$148,383Median earnings · year 5 after completion
96.4%Completion rate
4.5%Admission rate
1,560Average SAT score
4,535Student size
Debt covers federal student-loan borrowers who completed. It does not include Parent PLUS or private loans. We show admissions scores only when a valid federal value is available.
What the numbers say about Massachusetts Institute of Technology
What does Massachusetts Institute of Technology cost?
Massachusetts Institute of Technology reports an average annual net price of $20,111 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Massachusetts Institute of Technology graduates earn?
The observed median earnings figure is $148,383 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Massachusetts Institute of Technology graduates have?
Completer borrowers report median cumulative federal student debt of $14,768. Parent PLUS and private loans are not included.
Is every degree at Massachusetts Institute of Technology worth the same?
No. The current release contains 21 field-and-degree records for Massachusetts Institute of Technology; 21 report year-4 earnings and 9 report federal debt. Outcomes can differ substantially by field and degree level.
DEBT AFTER COLLEGE
Are borrowers making progress?
Repayment progress, default and debt at exit describe different federal borrower cohorts. They are shown separately and do not change the ROI estimate.
Source: College Scorecard. Repayment progress is the share of borrowers who reduced principal by at least $1 at the stated measurement point. Debt covers federal student loans; Parent PLUS and private loans are excluded. Cohorts and reporting periods differ across measures.
Who studied here during the year
12,891Students enrolled at any point
4,747Undergraduate students
8,144Graduate students
Unduplicated students enrolled at any point from July 1, 2024 through June 30, 2025. This full-year measure is different from a fall headcount and does not enter ROI.
More student and earnings detailPrice by family income, retention, equity and common industries
WHO PAYS, WHO FINISHES, WHO EARNS
Outcomes are not the same for every family.
These federal cohorts add context that a single college average can hide. Missing figures remain unreported rather than estimated.
Complete within 150% of the expected time
92% received a Pell Grant within eight yearsMedian Parent PLUS debt
123 parent borrowers in the reported cohortMedian federal student debt
Three-year repayment not reportedStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$151,864Earnings are not a guarantee
Middle income$143,175Earnings are not a guarantee
Higher income$140,346Earnings are not a guarantee
Three-year repayment progress
Lower incomeNot reported
Middle incomeNot reported
Higher income93%
Undergraduate student composition
White21%
Black8%
Hispanic14%
Asian35%
Source: College Scorecard, June 2026 release. Parent PLUS debt belongs to parents; student-debt measures exclude Parent PLUS and private loans. Cohort definitions differ by measure.
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
WHAT STANDS OUT
A faster read on this college
These summaries use every reportable field-and-credential record at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS OVER TIME
What graduates earned in later years
$109,923Year 1
$161,961Year 4
$148,383Year 5
Each year can represent a different federal cohort, so the points do not track the same people over time.
Your choice of degree can change the payoff.
Graduate earnings differ by field and credential, even within the same college.
1Business/Commerce, General · Master's Degree$258,1522Systems Engineering · Master's Degree$227,0523Computer Science · Bachelor's Degree$225,1414Electrical, Electronics, and Communications Engineering · Doctoral Degree$214,0705Mechanical Engineering · Master's Degree$200,7326Electrical, Electronics, and Communications Engineering · Master's Degree$199,2457Biology, General · Doctoral Degree$189,1448Chemical Engineering · Doctoral Degree$184,436Observed year-4 earnings · compare the same field and credential across colleges
Programs that stand out against the same-degree benchmark
This view rewards performance relative to the same field and credential, not simply majors that pay more everywhere.
1Liberal Arts and Sciences, General Studies and HumanitiesBachelor's Degree · $147,998 reported+179%vs same-degree national median$11,935federal debt2MathematicsBachelor's Degree · $174,951 reported+152%vs same-degree national median$10,003federal debt3Computer ScienceBachelor's Degree · $225,141 reported+110%vs same-degree national median$12,000federal debt4Business/Commerce, GeneralMaster's Degree · $258,152 reported+105%vs same-degree national medianNot availablefederal debt5Biology, GeneralDoctoral Degree · $189,144 reported+103%vs same-degree national medianNot availablefederal debt6Mechanical EngineeringMaster's Degree · $200,732 reported+73%vs same-degree national medianNot availablefederal debt
Comparable colleges in MA
Currently operating private nonprofit institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Cambridge, MA
Harvard University
- Annual net price
- $19,066
- Observed earnings · year 5
- $124,581
- Modeled 10-year ROI
- +211%
Franklin W Olin College of Engineering
- Annual net price
- $25,171
- Observed earnings · year 5
- $112,565
- Modeled 10-year ROI
- +141%
Babson College
- Annual net price
- $40,514
- Observed earnings · year 5
- $113,760
- Modeled 10-year ROI
- +101%
Bentley University
- Annual net price
- $37,930
- Observed earnings · year 5
- $105,451
- Modeled 10-year ROI
- +82%
Compare fields and degree levels
Showing all 21 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Business/Commerce, General | Master's Degree | $258,152 | Not available | Not reported |
| Systems Engineering | Master's Degree | $227,052 | Not available | Not reported |
| Computer Science | Bachelor's Degree | $225,141 | $12,000 | Not reported |
| Electrical, Electronics, and Communications Engineering | Doctoral Degree | $214,070 | Not available | 43 |
| Mechanical Engineering | Master's Degree | $200,732 | Not available | Not reported |
| Electrical, Electronics, and Communications Engineering | Master's Degree | $199,245 | Not available | Not reported |
| Biology, General | Doctoral Degree | $189,144 | Not available | 31 |
| Chemical Engineering | Doctoral Degree | $184,436 | Not available | 33 |
| Mathematics | Bachelor's Degree | $174,951 | $10,003 | Not reported |
| Biomedical/Medical Engineering | Doctoral Degree | $167,374 | Not available | 53 |
| Electrical, Electronics, and Communications Engineering | Bachelor's Degree | $161,118 | $11,935 | Not reported |
| Aerospace, Aeronautical, and Astronautical/Space Engineering | Master's Degree | $151,237 | Not available | Not reported |
| Liberal Arts and Sciences, General Studies and Humanities | Bachelor's Degree | $147,998 | $11,935 | Not reported |
| Chemistry | Doctoral Degree | $137,404 | Not available | 49 |
| Mechanical Engineering | Bachelor's Degree | $131,967 | $11,334 | Not reported |
| Physics | Bachelor's Degree | $131,025 | $18,500 | Not reported |
| Chemical Engineering | Bachelor's Degree | $122,093 | $15,209 | Not reported |
| Aerospace, Aeronautical, and Astronautical/Space Engineering | Bachelor's Degree | $114,620 | $17,724 | Not reported |
| Biomedical/Medical Engineering | Bachelor's Degree | $111,738 | $13,000 | Not reported |
| City/Urban, Community, and Regional Planning | Master's Degree | $100,130 | Not available | Not reported |
| Architectural Sciences and Technology | Master's Degree | $87,003 | Not available | Not reported |
Graduate counts come from IPEDS and group related majors into the same federal field. Missing earnings or debt values remain labeled as unavailable.
Earnings, price, completion and enrollment are observed federal measures. ROI, payoff and break-even are modeled scenarios built from those measures and fixed assumptions. College payoff is not the payoff of every degree at this school; use the program table for a more precise comparison.