Median Earnings (1yr)
$55,482
76th percentile (40th in MN)
Median Debt
$23,975
12% above national median
Debt-to-Earnings
0.43
Manageable
Sample Size
31
Adequate data

Analysis

UMN-Duluth's math program performs an interesting balancing act: it outearns the national average by $7,000 annually, but lands squarely in the middle of Minnesota's competitive math landscape at the 40th percentile. Starting at $55,482 and climbing to nearly $66,000 by year four represents solid earnings growth of 19%, though state flagship Twin Cities and liberal arts colleges like St. Olaf edge ahead slightly. The manageable $23,975 debt burden—below the 30th percentile nationally—means graduates face a debt-to-earnings ratio of just 0.43, making this one of the more financially accessible routes to a math degree.

For Minnesota families, the value proposition centers on accessibility rather than peak earning potential. With an 82% admission rate and costs that won't bury students in debt, Duluth offers a practical path to above-average math career outcomes without the steep price tag of private colleges. The program delivers what matters most: graduates enter stable careers with comfortable debt loads and room for income growth. You're not paying for elite prestige, but you're getting demonstrably stronger results than most math programs nationwide.

The straightforward takeaway: if your child can get into higher-ranked Minnesota programs, the earnings bump might be worth exploring. But for students seeking strong math credentials without financial stress, Duluth's combination of reasonable debt and above-national-average earnings makes it a smart, low-risk choice.

Where University of Minnesota-Duluth Stands

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

University of Minnesota-DuluthOther mathematics 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 Minnesota-Duluth graduates compare to all programs nationally

University of Minnesota-Duluth graduates earn $55k, placing them in the 76th percentile of all mathematics 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 Minnesota

Mathematics bachelors's programs at peer institutions in Minnesota (27 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
University of Minnesota-Duluth$55,482$65,774$23,9750.43
St Olaf College$58,825$72,810$23,0000.39
University of Minnesota-Twin Cities$58,153$72,102$22,0950.38
Macalester College$57,166—$22,4830.39
Augsburg University$54,387—$26,4520.49
National Median$48,772—$21,5000.44

Other Mathematics Programs in Minnesota

Compare tuition, earnings, and debt across Minnesota schools

SchoolIn-State TuitionEarnings (1yr)Debt
St Olaf College
Northfield
$56,970$58,825$23,000
University of Minnesota-Twin Cities
Minneapolis
$16,488$58,153$22,095
Macalester College
Saint Paul
$64,908$57,166$22,483
Augsburg University
Minneapolis
$43,942$54,387$26,452

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 Minnesota-Duluth, approximately 18% 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 31 graduates with reported earnings and 36 graduates with debt data. Small samples may not be representative.