Median Earnings (1yr)
$65,103
21st percentile (40th in MA)
Median Debt
$27,000
10% above national median
Debt-to-Earnings
0.41
Manageable
Sample Size
100
Adequate data

Analysis

UMass Lowell's civil engineering program sits in an awkward middle ground among Massachusetts schools. With first-year earnings of $65,103, graduates earn about $7,000 less than the state median—a gap that puts this program at just the 40th percentile statewide. That's particularly notable given that most comparable Massachusetts programs cluster tightly in the $75,000-$76,000 range. Even UMass Amherst, the flagship campus, delivers nearly $5,000 more in starting earnings.

The debt picture offers some relief: at $27,000, it matches the state median and sits below the national average, resulting in a manageable debt-to-earnings ratio of 0.41. Graduates can realistically pay off their loans within a few years. The 13% earnings growth to $73,411 by year four shows steady career progression, though it doesn't close the gap with peer institutions. With 100+ graduates in the sample, these numbers reflect consistent program outcomes rather than statistical noise.

For Massachusetts families, this creates a straightforward calculation. If you're paying in-state tuition at UMass Lowell, the combination of moderate debt and solid career prospects makes sense. But if cost differences are minimal, stronger-performing programs at WPI, Northeastern, or even UMass Amherst deliver meaningfully higher returns. The 85% admission rate suggests UMass Lowell serves as an accessible entry point to civil engineering—just understand you're accepting a discount on starting salary relative to other Massachusetts options.

Where University of Massachusetts-Lowell Stands

Earnings vs. debt across all civil engineering bachelors's programs nationally

University of Massachusetts-LowellOther civil engineering 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 Massachusetts-Lowell graduates compare to all programs nationally

University of Massachusetts-Lowell graduates earn $65k, placing them in the 21th percentile of all civil engineering 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 Massachusetts

Civil Engineering bachelors's programs at peer institutions in Massachusetts (10 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Massachusetts-Lowell$65,103$73,411$27,0000.41
Worcester Polytechnic Institute$76,419$85,859$27,0000.35
Northeastern University$76,362$82,584$24,7500.32
Merrimack College$75,556—$27,0000.36
Wentworth Institute of Technology$75,001$83,692$27,0000.36
University of Massachusetts-Amherst$69,757$80,416$27,0000.39
National Median$69,574—$24,5000.35

Other Civil Engineering Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
Worcester Polytechnic Institute
Worcester
$59,070$76,419$27,000
Northeastern University
Boston
$63,141$76,362$24,750
Merrimack College
North Andover
$51,786$75,556$27,000
Wentworth Institute of Technology
Boston
$41,010$75,001$27,000
University of Massachusetts-Amherst
Amherst
$17,357$69,757$27,000

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 Massachusetts-Lowell, approximately 27% 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 100 graduates with reported earnings and 135 graduates with debt data. Small samples may not be representative.