10-YEAR PAYOFF CURVECumulative economic payoff after graduation
−$3,378at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Public · COLLEGE PAYOFF
University of Massachusetts-Boston
Boston, MA · 39 field-and-degree records
Earnings reported for 39 · Federal debt reported for 21
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Negative payoff
−$3,378 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
10.1 yrsTime to earn back the modeled cost
−1%Estimated return after 10 years
$69,745Observed earnings · year 5
$16,863Highest annual price before payoff reaches $0
The price benchmark would need to fall by $845 per year to reach it.
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: $15,179 housing and food allowance plus $3,364 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+$67,450
$8,000Annual price+$35,450
$16,000Annual price+$3,450
$18,000Current college-wide context−$4,550
$24,000Annual price−$28,550
$32,000Annual price−$60,550
$40,000Annual price−$92,550
HOW STUDENTS ATTEND · 2023-24
Online study is a meaningful part of the student experience.
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
- No special designation reported
DUAL-ENROLLMENT CONTEXT · 2024
140 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 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
$17,707Average net price / year
$30,544Cost of attendance
$21,974Median federal student debt · completer borrowers
$233/moPublished 10-year payment estimate
$69,745Median earnings · year 5 after completion
49.4%Completion rate
83.8%Admission rate
1,194Average SAT score
27ACT midpoint
11,512Student 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 University of Massachusetts-Boston
What does University of Massachusetts-Boston cost?
University of Massachusetts-Boston reports an average annual net price of $17,707 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do University of Massachusetts-Boston graduates earn?
The observed median earnings figure is $69,745 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do University of Massachusetts-Boston graduates have?
Completer borrowers report median cumulative federal student debt of $21,974. Parent PLUS and private loans are not included.
Is every degree at University of Massachusetts-Boston worth the same?
No. The current release contains 39 field-and-degree records for University of Massachusetts-Boston; 39 report year-4 earnings and 21 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
18,038Students enrolled at any point
14,011Undergraduate students
4,027Graduate 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
55% received a Pell Grant within eight yearsMedian Parent PLUS debt
474 parent borrowers in the reported cohortMedian federal student debt
59% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$64,423Earnings are not a guarantee
Middle income$70,023Earnings are not a guarantee
Higher income$64,007Earnings are not a guarantee
Three-year repayment progress
Lower income57%
Middle income62%
Higher income65%
Undergraduate student composition
White30%
Black18%
Hispanic21%
Asian16%
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
Computer Programming.Bachelor’s degree · Broad federal field 11
$61,332Year 1
$94,247Year 5
$136,460Year 10
Advanced/Graduate Dentistry and Oral Sciences.Bachelor’s degree · Broad federal field 51
$77,402Year 1
$100,194Year 5
$117,434Year 10
Biochemistry, Biophysics and Molecular Biology.Bachelor’s degree · Broad federal field 26
$42,641Year 1
$74,219Year 5
$102,903Year 10
Accounting and Related Services.Bachelor’s degree · Broad federal field 52
$54,667Year 1
$78,040Year 5
$94,612Year 10
Astronomy and Astrophysics.Bachelor’s degree · Broad federal field 40
$45,014Year 1
$71,529Year 5
$91,987Year 10
Criminal Justice and Corrections.Bachelor’s degree · Broad federal field 43
$50,145Year 1
$73,294Year 5
$89,225Year 10
Communication and Media Studies.Bachelor’s degree · Broad federal field 09
$47,856Year 1
$64,085Year 5
$86,367Year 10
Community Organization and Advocacy.Bachelor’s degree · Broad federal field 44
$43,271Year 1
$67,254Year 5
$84,400Year 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
$49,875Year 1
$69,532Year 4
$69,745Year 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.
1Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Master's Degree$126,6942Management Sciences and Quantitative Methods · Master's Degree$112,8563Business Administration, Management and Operations · Master's Degree$112,3984Educational/Instructional Media Design · Master's Degree$108,9565Electrical, Electronics, and Communications Engineering · Bachelor's Degree$100,9026Clinical, Counseling and Applied Psychology · Doctoral Degree$98,6667Accounting and Related Services · Master's Degree$98,3988Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing · Bachelor's Degree$95,648Observed 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.
1Educational/Instructional Media DesignMaster's Degree · $108,956 reported+54%vs same-degree national medianNot availablefederal debt2Biochemistry, Biophysics and Molecular BiologyBachelor's Degree · $85,296 reported+30%vs same-degree national median$24,996federal debt3Teacher Education and Professional Development, Specific Levels and MethodsMaster's Degree · $76,298 reported+27%vs same-degree national medianNot availablefederal debt4Fine and Studio ArtsBachelor's Degree · $49,722 reported+20%vs same-degree national median$27,000federal debt5Teacher Education and Professional Development, Specific Levels and MethodsBachelor's Degree · $56,460 reported+19%vs same-degree national median$29,000federal debt6Sports, Kinesiology, and Physical Education/FitnessBachelor's Degree · $64,665 reported+19%vs same-degree national median$26,808federal debt
Comparable colleges in MA
Currently operating public institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
Tyngsboro, MA
Greater Lowell Technical School
- Annual net price
- $19,205
- Observed earnings · year 5
- $70,797
- Modeled 10-year ROI
- +0%
University of Massachusetts-Dartmouth
- Annual net price
- $20,927
- Observed earnings · year 5
- $68,294
- Modeled 10-year ROI
- -12%
University of Massachusetts-Lowell
- Annual net price
- $17,163
- Observed earnings · year 5
- $75,948
- Modeled 10-year ROI
- +24%
Fitchburg State University
- Annual net price
- $14,262
- Observed earnings · year 5
- $63,963
- Modeled 10-year ROI
- -20%
Compare fields and degree levels
Showing all 39 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Master's Degree | $126,694 | Not available | 23 |
| Management Sciences and Quantitative Methods | Master's Degree | $112,856 | Not available | Not reported |
| Business Administration, Management and Operations | Master's Degree | $112,398 | Not available | Not reported |
| Educational/Instructional Media Design | Master's Degree | $108,956 | Not available | 23 |
| Electrical, Electronics, and Communications Engineering | Bachelor's Degree | $100,902 | $25,874 | Not reported |
| Clinical, Counseling and Applied Psychology | Doctoral Degree | $98,666 | Not available | 0 |
| Accounting and Related Services | Master's Degree | $98,398 | Not available | Not reported |
| Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing | Bachelor's Degree | $95,648 | $30,343 | 0 |
| Biochemistry, Biophysics and Molecular Biology | Bachelor's Degree | $85,296 | $24,996 | Not reported |
| Computer and Information Sciences, General | Bachelor's Degree | $83,405 | $24,391 | Not reported |
| Public Administration | Master's Degree | $81,029 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Master's Degree | $76,298 | Not available | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $72,746 | $25,000 | Not reported |
| Gerontology | Master's Degree | $71,482 | Not available | 2 |
| Economics | Bachelor's Degree | $70,552 | $26,994 | Not reported |
| Special Education and Teaching | Master's Degree | $70,150 | Not available | 48 |
| Mental and Social Health Services and Allied Professions | Master's Degree | $68,868 | Not available | Not reported |
| Linguistic, Comparative, and Related Language Studies and Services | Master's Degree | $67,132 | Not available | Not reported |
| Clinical, Counseling and Applied Psychology | Master's Degree | $66,853 | Not available | 10 |
| Biology, General | Bachelor's Degree | $65,815 | $25,000 | Not reported |
| English Language and Literature, General | Master's Degree | $64,893 | Not available | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $64,665 | $26,808 | Not reported |
| Political Science and Government | Bachelor's Degree | $63,131 | $24,824 | 0 |
| Student Counseling and Personnel Services | Master's Degree | $63,123 | Not available | 0 |
| Criminal Justice and Corrections | Bachelor's Degree | $62,222 | $27,000 | Not reported |
| Natural Resources Conservation and Research | Bachelor's Degree | $61,382 | $21,386 | Not reported |
| Community Organization and Advocacy | Bachelor's Degree | $60,440 | Not available | Not reported |
| Communication and Media Studies | Bachelor's Degree | $60,411 | $26,500 | Not reported |
| Sociology | Bachelor's Degree | $58,394 | $28,750 | Not reported |
| History | Bachelor's Degree | $57,992 | $24,862 | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $56,460 | $29,000 | Not reported |
| Philosophy | Bachelor's Degree | $54,868 | Not available | Not reported |
| Ethnic, Cultural Minority, Gender, and Group Studies | Bachelor's Degree | $53,509 | $26,965 | Not reported |
| English Language and Literature, General | Bachelor's Degree | $53,347 | $26,960 | Not reported |
| History | Master's Degree | $52,407 | Not available | 1 |
| Psychology, General | Bachelor's Degree | $52,200 | $26,004 | Not reported |
| Social Work | Bachelor's Degree | $51,034 | $27,947 | Not reported |
| Fine and Studio Arts | Bachelor's Degree | $49,722 | $27,000 | Not reported |
| Anthropology | Bachelor's Degree | $43,053 | $24,362 | 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.