Median Earnings (1yr)
$49,013
29th percentile (25th in MD)
Median Debt
$27,000
8% above national median
Debt-to-Earnings
0.55
Manageable
Sample Size
27
Limited data

Analysis

Frostburg State's accounting graduates start nearly $15,000 behind the Maryland median and rank in the bottom quarter of the state's accounting programs. With first-year earnings of $49,013, these graduates earn less than those from every other Maryland accounting program in our data—including schools like Mount St. Mary's and McDaniel that serve similar student populations. The gap widens when you look four years out: $64,546 versus the state median of $64,012 at year one, meaning Frostburg grads are just catching up to where peers at other Maryland schools started.

The silver lining is manageable debt at $27,000, which keeps the debt-to-earnings ratio reasonable at 0.55. That's slightly above the state median but not alarming. The 32% earnings growth over four years is solid, suggesting graduates do find their footing eventually. However, the sample size here is small—fewer than 30 graduates—so these figures could swing considerably year to year.

For Maryland families, this matters because in-state tuition likely makes Frostburg affordable, but the earnings gap is real. If your child has admission offers from other Maryland public accounting programs, compare the total costs carefully. The lower starting salary means roughly $60,000 less in cumulative earnings over the first four years compared to University of Maryland-College Park graduates, which could offset any tuition savings multiple times over.

Where Frostburg State University Stands

Earnings vs. debt across all accounting bachelors's programs nationally

Frostburg State UniversityOther accounting programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Frostburg State University graduates compare to all programs nationally

Frostburg State University graduates earn $49k, placing them in the 29th percentile of all accounting bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in Maryland

Accounting bachelors's programs at peer institutions in Maryland (17 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Frostburg State University$49,013$64,546$27,0000.55
University of Maryland-College Park$69,821$84,592$15,0000.21
Loyola University Maryland$69,305$86,541$27,0000.39
Stevenson University$67,261$73,483$24,9220.37
McDaniel College$65,941$74,227$24,2100.37
Mount St. Mary's University$64,849$67,143$19,5000.30
National Median$53,694—$25,0000.47

Other Accounting Programs in Maryland

Compare tuition, earnings, and debt across Maryland schools

SchoolIn-State TuitionEarnings (1yr)Debt
University of Maryland-College Park
College Park
$11,505$69,821$15,000
Loyola University Maryland
Baltimore
$55,480$69,305$27,000
Stevenson University
Owings Mills
$39,708$67,261$24,922
McDaniel College
Westminster
$49,647$65,941$24,210
Mount St. Mary's University
Emmitsburg
$47,240$64,849$19,500

About This Data

Source: U.S. Department of Education College Scorecard (October 2025 release)

Population: Graduates who received federal financial aid (Title IV grants or loans). At Frostburg State University, approximately 33% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.

Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.

Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.

Sample Size: Based on 27 graduates with reported earnings and 31 graduates with debt data. Small samples may not be representative.