College ROI

Smarter Choices, Brighter Futures
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University of Minnesota-Duluth

Duluth, MN 7,475 Undergrads 64.1% Grad Rate
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Total Cost
$26,907
Sticker Price
Avg Net Price
$18,464
After Aid
Median Earnings
$62,616
10yr Post-Entry

Vs. Peer Institutions

Net Price$18,464
Peer Midpoint: $19,729.5
Earnings (10yr)$62,616
Peer Midpoint: $53,747
Graduation Rate64.1%
Peer Midpoint: 58.5%
Socio-Economic Diversity
Pell Grant Recipients21.0%
Enrollment Status
Full-Time94.9%
Economic Outcomes
Earn More than HS84.0%

Admissions Profile

Acceptance
81.8%
SAT Avg
1,221
SAT Reading
25th: 57861075th: 670
SAT Math
25th: 55060575th: 665
ACT Composite
25th: 232575th: 28

ROI Sensitivity Analysis

This analysis tests three cost scenarios (Scholarship, Average Net Price, Full Sticker Price) to show how college costs impact your long-term return compared to the average student and a high school graduate.

Lifetime Value Added (NPV)

Institution Lifetime NPV
Vs Median Peer
Vs HS Grad
Zero Cost (Scholarship)$0
+$537k
+$141k
+$53k
Median Cost$18k/yr
+$471k
+$74k
-$14k
Full Cost$27k/yr
+$440k
+$44k
-$44k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
37
Median Cost$18k/yr
Never
-21%
Full Cost$27k/yr
Never
-45%
Analysis Assumptions:
  • Starting Salary: Estimated from the 10-year median earnings (assuming 2% annual growth from graduation).
  • Comparisons: "Vs Median Peer" compares to the median student nationwide in a similar level program. "Vs HS Grad" compares to a median high school graduate.
  • Break-Even: The age at which the college investment net income exceeds the median high school graduate's lifetime earnings.
  • NPV: Net Present Value of all future earnings minus costs and taxes, discounted at 7.8%.

Social Impact ROINew

Measures the societal return on a donor's investment. Calculated as the incremental pre-tax lifetime earnings vs. HS grad, divided by the tax-adjusted donation cost.

Donor Return15%

Gov. Pell Grant ROINew

Measures the government's return on Pell Grants via increased tax revenue. Calculated as the portion of incremental lifetime taxes (discounted at 5.4%) attributed to the Pell Grant investment.

Taxpayer Return-48%
Important Note: Your ROI with any major will depend on the cost you pay to attend the program, and your starting salary. Both vary significantly across institutions. We encourage you to explore the ROI of a specific program variant by selecting the Program title of the credential level you are interested in. You will then have a more detailed return analysis for programs at specific institutions. We also encourage you to use the ROI calculator with your specific estimates of cost and salary.

Program ROI Analysis

Bachelor's Degrees

Accounting and Related Services
BachCIP: 5203
Median Debt
$25,000
Earnings (5yr)
$76,462
Lifetime Value Added
+$101k
Anthropology
BachCIP: 4502
Median Debt
-
Earnings (2yr)
$25,194
Lifetime Value Added
-$302k
Biochemistry, Biophysics and Molecular Biology
BachCIP: 2602
Median Debt
$19,729
Earnings (5yr)
$71,742
Lifetime Value Added
+$66k
Biology, General
BachCIP: 2601
Median Debt
$23,000
Earnings (5yr)
$59,593
Lifetime Value Added
-$28k
Business Administration, Management and Operations
BachCIP: 5202
Median Debt
$25,000
Earnings (5yr)
$65,463
Lifetime Value Added
+$18k
Cell/Cellular Biology and Anatomical Sciences
BachCIP: 2604
Median Debt
$25,176
Earnings (5yr)
$64,195
Lifetime Value Added
+$8k
Chemical Engineering
BachCIP: 1407
Median Debt
$24,295
Earnings (5yr)
$90,849
Lifetime Value Added
+$209k
Chemistry
BachCIP: 4005
Median Debt
$21,242
Earnings (5yr)
$73,736
Lifetime Value Added
+$81k
Civil Engineering
BachCIP: 1408
Median Debt
$23,379
Earnings (5yr)
$80,494
Lifetime Value Added
+$131k
Communication and Media Studies
BachCIP: 0901
Median Debt
$21,852
Earnings (5yr)
$57,878
Lifetime Value Added
-$41k
Communication Disorders Sciences and Services
BachCIP: 5102
Median Debt
$20,500
Earnings (5yr)
$62,612
Lifetime Value Added
-$4k
Communication, Journalism, and Related Programs, Other
BachCIP: 0999
Median Debt
-
Earnings (5yr)
$46,420
Lifetime Value Added
-$135k
Computer Science
BachCIP: 1107
Median Debt
$21,500
Earnings (5yr)
$94,445
Lifetime Value Added
+$236k
Computer Systems Networking and Telecommunications
BachCIP: 1109
Median Debt
$25,000
Earnings (5yr)
$81,784
Lifetime Value Added
+$141k
Criminology
BachCIP: 4504
Median Debt
$22,885
Earnings (5yr)
$64,784
Lifetime Value Added
+$13k
Design and Applied Arts
BachCIP: 5004
Median Debt
$24,275
Earnings (5yr)
$43,529
Lifetime Value Added
-$159k
Drama/Theatre Arts and Stagecraft
BachCIP: 5005
Median Debt
$20,812
Earnings (5yr)
$35,394
Lifetime Value Added
-$228k
Economics
BachCIP: 4506
Median Debt
$22,000
Earnings (5yr)
$68,688
Lifetime Value Added
+$43k
Education, Other
BachCIP: 1399
Median Debt
$25,250
Earnings (5yr)
$48,016
Lifetime Value Added
-$122k
Electrical, Electronics and Communications Engineering
BachCIP: 1410
Median Debt
$24,382
Earnings (5yr)
$89,756
Lifetime Value Added
+$200k
English Language and Literature, General
BachCIP: 2301
Median Debt
$23,250
Earnings (5yr)
$44,130
Lifetime Value Added
-$154k
Finance and Financial Management Services
BachCIP: 5208
Median Debt
$21,800
Earnings (5yr)
$81,046
Lifetime Value Added
+$135k
Fine and Studio Arts
BachCIP: 5007
Median Debt
-
Earnings (5yr)
$38,380
Lifetime Value Added
-$203k
Graphic Communications
BachCIP: 1003
Median Debt
$24,500
Earnings (2yr)
$40,896
Lifetime Value Added
-$160k
Health and Medical Administrative Services
BachCIP: 5107
Median Debt
$20,715
Earnings (5yr)
$75,500
Lifetime Value Added
+$94k
Health and Physical Education/Fitness
BachCIP: 3105
Median Debt
$22,500
Earnings (5yr)
$64,905
Lifetime Value Added
+$14k
History
BachCIP: 5401
Median Debt
$22,881
Earnings (2yr)
$29,685
Lifetime Value Added
-$261k
International Relations and National Security Studies
BachCIP: 4509
Median Debt
-
Earnings (2yr)
$32,925
Lifetime Value Added
-$232k
Marketing
BachCIP: 5214
Median Debt
$24,250
Earnings (5yr)
$74,486
Lifetime Value Added
+$86k
Mathematics
BachCIP: 2701
Median Debt
$23,775
Earnings (5yr)
$74,490
Lifetime Value Added
+$86k
Mechanical Engineering
BachCIP: 1419
Median Debt
$24,962
Earnings (5yr)
$91,075
Lifetime Value Added
+$210k
Music
BachCIP: 5009
Median Debt
$21,126
Earnings (2yr)
$26,353
Lifetime Value Added
-$292k
Natural Resources Conservation and Research
BachCIP: 0301
Median Debt
$24,699
Earnings (5yr)
$58,406
Lifetime Value Added
-$37k
Political Science and Government
BachCIP: 4510
Median Debt
$19,500
Earnings (5yr)
$63,212
Lifetime Value Added
+$633
Psychology, General
BachCIP: 4201
Median Debt
$22,250
Earnings (5yr)
$52,733
Lifetime Value Added
-$83k
Public Health
BachCIP: 5122
Median Debt
$24,986
Earnings (2yr)
$30,409
Lifetime Value Added
-$255k
Romance Languages, Literatures, and Linguistics
BachCIP: 1609
Median Debt
$23,394
Earnings (5yr)
$51,082
Lifetime Value Added
-$97k
Sociology
BachCIP: 4511
Median Debt
-
Earnings (2yr)
$36,134
Lifetime Value Added
-$203k
Statistics
BachCIP: 2705
Median Debt
$21,600
Earnings (5yr)
$83,264
Lifetime Value Added
+$152k
Teacher Education and Professional Development, Specific Levels and Methods
BachCIP: 1312
Median Debt
$20,500
Earnings (5yr)
$49,528
Lifetime Value Added
-$109k
Teacher Education and Professional Development, Specific Subject Areas
BachCIP: 1313
Median Debt
$26,077
Earnings (5yr)
$49,115
Lifetime Value Added
-$113k

Note: Lifetime Value Added is the Net Present Value (NPV) of estimated career earnings relative to a median high school graduate, accounting for this institution's average cost and taxes. Computed over a career to retirement age.

For graduate programs (Master's, Doctoral, etc.), the calculation assumes a starting age of 22 (after undergraduate completion) and does not include the sunk costs of prior degrees. It represents the value added of the graduate degree decision moving forward. These Lifetime Value Added results should not be compared with those Undergraduate Certificates, Associates or Bachelors starting at age 18.