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
Earnings Distribution
How University of Minnesota-Duluth 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 Minnesota-Duluth | $55,482 | $65,774 | +19% |
| Massachusetts Institute of Technology | $109,288 | $180,882 | +66% |
| Cornell University | $87,251 | $127,962 | +47% |
| St Olaf College | $58,825 | $72,810 | +24% |
| University of Minnesota-Twin Cities | $58,153 | $72,102 | +24% |
Compare to Similar Programs in Minnesota
Mathematics bachelors's programs at peer institutions in Minnesota (27 total in state)
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $14,318 | $55,482 | $65,774 | $23,975 | 0.43 | |
| $56,970 | $58,825 | $72,810 | $23,000 | 0.39 | |
| $16,488 | $58,153 | $72,102 | $22,095 | 0.38 | |
| $64,908 | $57,166 | — | $22,483 | 0.39 | |
| $43,942 | $54,387 | — | $26,452 | 0.49 | |
| National Median | — | $48,772 | — | $21,500 | 0.44 |
Career Paths
Occupations commonly associated with mathematics graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Mathematicians
Statisticians
Biostatisticians
Mathematical Science Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
Mathematical Science Occupations, All Other
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.