10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$103,314at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Public · COLLEGE PAYOFF
Montclair State University
Montclair, NJ · 57 field-and-degree records
Earnings reported for 57 · Federal debt reported for 37
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$103,314 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
17.4 yrsTime to earn back the modeled cost
−43%Estimated return after 10 years
$58,895Observed earnings · year 5
Not reachedHighest annual price before payoff reaches $0
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: $15,674 housing and food allowance plus $5,736 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−$41,050
$8,000Annual price−$73,050
$16,000Current college-wide context−$105,050
$24,000Annual price−$137,050
$32,000Annual price−$169,050
$40,000Annual price−$201,050
HOW STUDENTS ATTEND · 2023-24
Most students take at least some classes online.
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
- Middle States Commission on Higher Education
- Main award level
- Bachelor’s degrees
- Campus setting
- Suburban
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
436 high-school students took college courses.
IPEDS counts students enrolled in college credit while still in high school. A large dual-enrollment population can shape headline enrollment figures, especially at community colleges.
This is participation, not a college completion rate. It does not indicate how many students later enrolled after high school, earned a credential or entered the workforce.
STATE PRICE CONTEXT · 2024
Prices in New Jersey run 9% 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
$15,566Average net price / year
$28,305Cost of attendance
$22,000Median federal student debt · completer borrowers
$233/moPublished 10-year payment estimate
$58,895Median earnings · year 5 after completion
64.7%Completion rate
87.9%Admission rate
1,070Average SAT score
18,376Student 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 Montclair State University
What does Montclair State University cost?
Montclair State University reports an average annual net price of $15,566 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do Montclair State University graduates earn?
The observed median earnings figure is $58,895 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do Montclair State University graduates have?
Completer borrowers report median cumulative federal student debt of $22,000. Parent PLUS and private loans are not included.
Is every degree at Montclair State University worth the same?
No. The current release contains 57 field-and-degree records for Montclair State University; 57 report year-4 earnings and 37 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
26,617Students enrolled at any point
20,758Undergraduate students
5,859Graduate 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
69% received a Pell Grant within eight yearsMedian Parent PLUS debt
1,781 parent borrowers in the reported cohortMedian federal student debt
64% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$59,811Earnings are not a guarantee
Middle income$63,106Earnings are not a guarantee
Higher income$62,142Earnings are not a guarantee
Three-year repayment progress
Lower income56%
Middle income64%
Higher income75%
Undergraduate student composition
White32%
Black13%
Hispanic41%
Asian6%
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.
INDEPENDENT CENSUS EARNINGS VIEW
How earnings develop by field
Privacy-protected Census employment records follow graduate cohorts one, five and ten years after completion. This source is kept separate from College Scorecard because its population and methodology differ.
Field and credentialYear 1Year 5Year 10
Accounting and Related Services.Master’s degree · Broad federal field 52
$87,831Year 1
$126,535Year 5
$162,623Year 10
Computer Programming.Master’s degree · Broad federal field 11
$87,170Year 1
$143,232Year 5
$120,903Year 10
Applied Mathematics.Master’s degree · Broad federal field 27
$78,215Year 1
$91,663Year 5
$119,554Year 10
Biochemistry, Biophysics and Molecular Biology.Master’s degree · Broad federal field 26
$62,446Year 1
$84,962Year 5
$115,618Year 10
Astronomy and Astrophysics.Master’s degree · Broad federal field 40
$74,872Year 1
$90,782Year 5
$113,650Year 10
English Language and Literature, General.Master’s degree · Broad federal field 23
$49,171Year 1
$89,177Year 5
$112,807Year 10
Law.Master’s degree · Broad federal field 22
$57,208Year 1
$80,472Year 5
$104,798Year 10
Accounting and Related Services.Bachelor’s degree · Broad federal field 52
$51,239Year 1
$78,400Year 5
$103,903Year 10
Median annual earnings in 2023 dollars. Each time point may use a different pooled graduation cohort. Coverage is limited to institutions participating in the Census Post-Secondary Employment Outcomes program.
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
$37,430Year 1
$61,351Year 4
$58,895Year 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 Administration, Management and Operations · Master's Degree$117,5442Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$109,1673Computer and Information Sciences, General · Master's Degree$108,9754Educational Administration and Supervision · Graduate/Professional Certificate$91,8105Educational Administration and Supervision · Master's Degree$87,2446Accounting and Related Services · Bachelor's Degree$84,9067Social Work · Graduate/Professional Certificate$82,8388Biochemistry, Biophysics and Molecular Biology · Bachelor's Degree$81,519Observed 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.
1Teacher Education and Professional Development, Specific Subject AreasBachelor's Degree · $65,007 reported+26%vs same-degree national median$27,000federal debt2Radio, Television, and Digital CommunicationBachelor's Degree · $62,999 reported+25%vs same-degree national median$25,425federal debt3Clinical, Counseling and Applied PsychologyMaster's Degree · $81,192 reported+25%vs same-degree national medianNot availablefederal debt4Biochemistry, Biophysics and Molecular BiologyBachelor's Degree · $81,519 reported+25%vs same-degree national median$27,000federal debt5Registered Nursing, Nursing Administration, Nursing Research and Clinical NursingBachelor's Degree · $109,167 reported+23%vs same-degree national median$27,031federal debt6Educational Administration and SupervisionMaster's Degree · $87,244 reported+22%vs same-degree national medianNot availablefederal debt
Comparable colleges in NJ
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Jersey City, NJ
New Jersey City University
- Annual net price
- $16,053
- Observed earnings · year 5
- $57,697
- Modeled 10-year ROI
- -48%
William Paterson University of New Jersey
- Annual net price
- $18,745
- Observed earnings · year 5
- $58,765
- Modeled 10-year ROI
- -46%
Kean University
- Annual net price
- $12,447
- Observed earnings · year 5
- $57,968
- Modeled 10-year ROI
- -44%
Stockton University
- Annual net price
- $20,670
- Observed earnings · year 5
- $58,188
- Modeled 10-year ROI
- -50%
Compare fields and degree levels
Showing the 40 highest-earning records from 57 field-and-degree records. Use the program directory to search the complete set.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Business Administration, Management and Operations | Master's Degree | $117,544 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $109,167 | $27,031 | Not reported |
| Computer and Information Sciences, General | Master's Degree | $108,975 | Not available | Not reported |
| Educational Administration and Supervision | Graduate/Professional Certificate | $91,810 | Not available | Not reported |
| Educational Administration and Supervision | Master's Degree | $87,244 | Not available | Not reported |
| Accounting and Related Services | Bachelor's Degree | $84,906 | $20,500 | 6 |
| Social Work | Graduate/Professional Certificate | $82,838 | Not available | Not reported |
| Biochemistry, Biophysics and Molecular Biology | Bachelor's Degree | $81,519 | $27,000 | 0 |
| Clinical, Counseling and Applied Psychology | Master's Degree | $81,192 | Not available | Not reported |
| Computer and Information Sciences, General | Bachelor's Degree | $79,692 | $23,501 | 8 |
| Special Education and Teaching | Master's Degree | $75,657 | Not available | Not reported |
| Chemistry | Bachelor's Degree | $74,401 | $23,600 | Not reported |
| Legal Professions and Studies, Other | Master's Degree | $72,288 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Master's Degree | $70,662 | Not available | Not reported |
| Public Health | Master's Degree | $69,383 | Not available | Not reported |
| Mathematics | Bachelor's Degree | $68,371 | $22,125 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $68,235 | $22,457 | 31 |
| Biology, General | Bachelor's Degree | $67,541 | $26,000 | Not reported |
| Communication Disorders Sciences and Services | Master's Degree | $67,490 | Not available | Not reported |
| Foods, Nutrition, and Related Services | Master's Degree | $67,155 | Not available | Not reported |
| Student Counseling and Personnel Services | Master's Degree | $66,833 | Not available | Not reported |
| Social Work | Master's Degree | $66,259 | Not available | Not reported |
| Economics | Bachelor's Degree | $66,148 | $25,000 | Not reported |
| Geological and Earth Sciences/Geosciences | Bachelor's Degree | $65,826 | $25,000 | Not reported |
| Education, General | Master's Degree | $65,095 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Subject Areas | Bachelor's Degree | $65,007 | $27,000 | 6 |
| Radio, Television, and Digital Communication | Bachelor's Degree | $62,999 | $25,425 | Not reported |
| Legal Professions and Studies, Other | Bachelor's Degree | $61,036 | $25,000 | 0 |
| Political Science and Government | Bachelor's Degree | $60,984 | $26,000 | Not reported |
| Foods, Nutrition, and Related Services | Bachelor's Degree | $59,866 | $25,963 | Not reported |
| Communication and Media Studies | Bachelor's Degree | $59,247 | $24,713 | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $58,308 | $26,949 | Not reported |
| Multi/Interdisciplinary Studies, Other | Bachelor's Degree | $58,236 | $25,000 | 0 |
| Design and Applied Arts | Bachelor's Degree | $56,176 | $26,000 | Not reported |
| Public Health | Bachelor's Degree | $55,681 | $27,000 | Not reported |
| Romance Languages, Literatures, and Linguistics | Bachelor's Degree | $55,208 | $25,250 | 5 |
| Music | Master's Degree | $54,787 | Not available | Not reported |
| Journalism | Bachelor's Degree | $53,579 | $19,500 | Not reported |
| Human Development, Family Studies, and Related Services | Bachelor's Degree | $53,575 | $25,250 | Not reported |
| Geography and Cartography | Bachelor's Degree | $53,285 | 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.
Search every Montclair State University program record →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.