Median Earnings (1yr)
$86,167
81st percentile (60th in MA)
Median Debt
$27,000
16% above national median
Debt-to-Earnings
0.31
Manageable
Sample Size
187
Adequate data

Analysis

UMass Lowell's computer science program delivers outcomes that match the state median despite charging significantly more in debt. While graduates earn $86,167 in their first year—comfortably above the national median of $70,950—that figure barely registers against Massachusetts' $86,060 median. The $27,000 debt load runs 11% higher than the state average, creating a value proposition that looks less compelling when compared to regional alternatives rather than the national pool.

The earnings trajectory tells a more encouraging story, with salaries climbing 27% to nearly $110,000 by year four. That growth outpaces many peers and pushes graduates well into competitive territory. The debt-to-earnings ratio of 0.31 remains manageable, meaning most graduates can realistically pay down their loans within a few years of entering the workforce. But context matters: you're paying slightly above-market prices for median-level outcomes in a state with particularly strong computer science programs.

For families weighing this against other Massachusetts public universities, the calculation hinges on relative costs and accessibility. UMass Lowell's 85% admission rate makes it far more attainable than elite programs producing $150,000+ first-year earners, but several state schools deliver similar earnings with less debt. If your student is admitted here with minimal additional borrowing beyond the median, it's a solid investment. If scholarships or in-state alternatives could reduce that $27,000 figure, explore those options first.

Where University of Massachusetts-Lowell Stands

Earnings vs. debt across all computer science bachelors's programs nationally

University of Massachusetts-LowellOther computer science 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 $86k, placing them in the 81th percentile of all computer science 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

Computer Science bachelors's programs at peer institutions in Massachusetts (33 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Massachusetts-Lowell$86,167$109,547$27,0000.31
Massachusetts Institute of Technology$154,492$199,774$12,0000.08
Harvard University$152,251$256,539——
Williams College$110,814$119,517$12,2080.11
Tufts University$105,659$139,886$15,5000.15
Amherst College$100,596—$16,7500.17
National Median$70,950—$23,3740.33

Other Computer Science Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
Massachusetts Institute of Technology
Cambridge
$60,156$154,492$12,000
Harvard University
Cambridge
$59,076$152,251—
Williams College
Williamstown
$64,860$110,814$12,208
Tufts University
Medford
$67,844$105,659$15,500
Amherst College
Amherst
$67,280$100,596$16,750

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 187 graduates with reported earnings and 167 graduates with debt data. Small samples may not be representative.