Median Earnings (1yr)
$69,821
95th percentile (60th in MD)
Median Debt
$15,000
40% below national median
Debt-to-Earnings
0.21
Manageable
Sample Size
135
Adequate data

Analysis

University of Maryland-College Park delivers exceptional accounting outcomes while keeping debt remarkably low—a combination that's rare even among elite programs. With first-year earnings of nearly $70,000 and just $15,000 in median debt, graduates face a debt burden they could theoretically pay off in three months. That 0.21 debt-to-earnings ratio ranks in the 95th percentile nationally, meaning this program outperforms 95% of accounting programs on affordability. The $84,592 earnings by year four represent solid progression into mid-career roles.

The Maryland context adds an interesting wrinkle. While UMD ranks at the 60th percentile among state accounting programs—trailing private schools like Loyola and Stevenson in immediate earnings—it likely achieves this with significantly lower total cost of attendance, especially for in-state students. The gap between UMD's $69,821 and Loyola's $69,305 is negligible, but the tuition difference at a flagship state university versus a private institution is substantial. You're getting nearly identical outcomes at a fraction of the price.

For Maryland families, this is straightforward: UMD's accounting program offers top-tier national performance with minimal debt risk. The combination of strong earning potential, low borrowing, and the Robert H. Smith School's reputation in the Mid-Atlantic makes this one of the safest bets in business education.

Where University of Maryland-College Park Stands

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

University of Maryland-College ParkOther 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 University of Maryland-College Park graduates compare to all programs nationally

University of Maryland-College Park graduates earn $70k, placing them in the 95th 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
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
Towson University$64,012$70,862$21,3750.33
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
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
Towson University
Towson
$11,306$64,012$21,375

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 University of Maryland-College Park, approximately 19% 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 135 graduates with reported earnings and 137 graduates with debt data. Small samples may not be representative.