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
Earnings Distribution
How University of Maryland-College Park graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| University of Maryland-College Park | $69,821 | $84,592 | +21% |
| Loyola University Maryland | $69,305 | $86,541 | +25% |
| Salisbury University | $62,889 | $77,022 | +22% |
| McDaniel College | $65,941 | $74,227 | +13% |
| Stevenson University | $67,261 | $73,483 | +9% |
Compare to Similar Programs in Maryland
Accounting bachelors's programs at peer institutions in Maryland (17 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $11,505 | $69,821 | $84,592 | $15,000 | 0.21 | |
| $55,480 | $69,305 | $86,541 | $27,000 | 0.39 | |
| $39,708 | $67,261 | $73,483 | $24,922 | 0.37 | |
| $49,647 | $65,941 | $74,227 | $24,210 | 0.37 | |
| $47,240 | $64,849 | $67,143 | $19,500 | 0.30 | |
| $11,306 | $64,012 | $70,862 | $21,375 | 0.33 | |
| National Median | — | $53,694 | — | $25,000 | 0.47 |
Career Paths
Occupations commonly associated with accounting graduates
Financial Managers
Treasurers and Controllers
Investment Fund Managers
Financial and Investment Analysts
Financial Risk Specialists
Financial Examiners
Budget Analysts
Business Teachers, Postsecondary
Accountants and Auditors
Tax Examiners and Collectors, and Revenue Agents
Bookkeeping, Accounting, and Auditing Clerks
Payroll and Timekeeping Clerks
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.