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◆Student loan debt hits $1.77 TRILLION — up $2,800 every second◆Plumbers now out-earn most college graduates in 32 states◆Gen Z chooses trades over tuition at record rates in 2025◆53% of recent college graduates are underemployed◆Electricians in NYC average $115,000/year with NO degree◆HVAC techs earning more than nurses in 16 states◆Welders in Texas making $95/hour — shortage now critical◆The college premium is shrinking. The debt is not.◆Student loan debt hits $1.77 TRILLION — up $2,800 every second◆Plumbers now out-earn most college graduates in 32 states◆Gen Z chooses trades over tuition at record rates in 2025◆53% of recent college graduates are underemployed◆Electricians in NYC average $115,000/year with NO degree◆HVAC techs earning more than nurses in 16 states◆Welders in Texas making $95/hour — shortage now critical◆The college premium is shrinking. The debt is not.
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Government Data · No Spin

Is Your College a Debt Trap?

Every U.S. college ranked by real cost, average debt, and median earnings 10 years out.

Great ValueDebt paid off in <5 months of earnings
Questionable5–10 months to pay off debt
Debt Trap10+ months of earnings to break even
Type:
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Showing 100 of 6,429 schools

#1
Massachusetts Institute of Technology
Cambridge, MAPrivateGreat Value
Cost/yr
$19,813
Debt
$14,768
10yr Earn
$143,372
#2
Samuel Merritt University
Oakland, CAPrivateGreat Value
Cost/yr
N/A
Debt
$20,825
10yr Earn
$143,238
#3
Philadelphia College of Osteopathic Medicine
Philadelphia, PAPrivate
Cost/yr
N/A
Debt
N/A
10yr Earn
$138,767
#4
Harvey Mudd College
Claremont, CAPrivateGreat Value
Cost/yr
$32,492
Debt
$25,000
10yr Earn
$138,687
#5
University of Health Sciences and Pharmacy in St. Louis
Saint Louis, MOPrivateGreat Value
Cost/yr
$33,596
Debt
$17,755
10yr Earn
$137,047
#6
Albany College of Pharmacy and Health Sciences
Albany, NYPrivateGreat Value
Cost/yr
$26,027
Debt
$25,500
10yr Earn
$131,426
#7
Franklin W Olin College of Engineering
Needham, MAPrivateGreat Value
Cost/yr
$20,575
Debt
$19,500
10yr Earn
$129,455
#8
California Institute of Technology
Pasadena, CAPrivate
Cost/yr
$18,902
Debt
N/A
10yr Earn
$128,566
#9
MCPHS University
Boston, MAPrivateGreat Value
Cost/yr
$35,084
Debt
$25,000
10yr Earn
$125,557
#10
Stanford University
Stanford, CAPrivateLiberalGreat Value
Cost/yr
$12,136
Debt
$12,000
10yr Earn
$124,080
#11
Babson College
Wellesley, MAPrivateGreat Value
Cost/yr
$38,876
Debt
$20,000
10yr Earn
$123,938
#12
Bentley University
Waltham, MAPrivateGreat Value
Cost/yr
$38,787
Debt
$25,023
10yr Earn
$120,959
#13
Roseman University of Health Sciences
Henderson, NVPrivateGreat Value
Cost/yr
N/A
Debt
$25,000
10yr Earn
$120,163
#14
Los Angeles County College of Nursing and Allied Health
Los Angeles, CAPublicGreat Value
Cost/yr
N/A
Debt
$9,500
10yr Earn
$115,318
#15
Carnegie Mellon University
Pittsburgh, PAPrivateModerateGreat Value
Cost/yr
$31,671
Debt
$21,750
10yr Earn
$114,862
#16
Gnomon
North Hollywood, CAFor-ProfitGreat Value
Cost/yr
$45,824
Debt
$28,332
10yr Earn
$114,785
#17
University of Pennsylvania
Philadelphia, PAPrivateLiberalGreat Value
Cost/yr
$31,229
Debt
$15,715
10yr Earn
$111,371
#18
Helene Fuld College of Nursing
New York, NYPrivateGreat Value
Cost/yr
$37,732
Debt
$15,250
10yr Earn
$111,027
#19
Princeton University
Princeton, NJPrivateLiberalGreat Value
Cost/yr
$10,555
Debt
$10,320
10yr Earn
$110,066
#20
SUNY Downstate Health Sciences University
Brooklyn, NYPublicGreat Value
Cost/yr
N/A
Debt
$12,500
10yr Earn
$109,601
#21
Santa Clara University
Santa Clara, CAPrivateGreat Value
Cost/yr
$50,959
Debt
$19,162
10yr Earn
$109,183
#22
Jesuit School of Theology of Santa Clara University
Berkeley, CAPrivateGreat Value
Cost/yr
N/A
Debt
$19,162
10yr Earn
$109,183
#23
Stevens Institute of Technology
Hoboken, NJPrivateGreat Value
Cost/yr
$40,468
Debt
$27,000
10yr Earn
$108,772
#24
Center for Allied Health Education
Brooklyn, NYFor-ProfitGreat Value
Cost/yr
$35,431
Debt
$13,626
10yr Earn
$107,249
#25
Miami Ad School-Atlanta
Atlanta, GAFor-ProfitGreat Value
Cost/yr
$28,032
Debt
$25,967
10yr Earn
$106,192
#26
Miami Ad School
Miami, FLFor-ProfitGreat Value
Cost/yr
N/A
Debt
$25,967
10yr Earn
$106,192
#27
Miami Ad School-New York
Astoria, NYFor-ProfitGreat Value
Cost/yr
N/A
Debt
$25,967
10yr Earn
$106,192
#28
Lehigh University
Bethlehem, PAPrivateGreat Value
Cost/yr
$33,549
Debt
$21,960
10yr Earn
$105,584
#29
Touro University California
Vallejo, CAPrivateGreat Value
Cost/yr
N/A
Debt
$12,500
10yr Earn
$104,805
#30
Touro University Nevada
Henderson, NVPrivateGreat Value
Cost/yr
N/A
Debt
$12,500
10yr Earn
$104,805
#31
Claremont McKenna College
Claremont, CAPrivateGreat Value
Cost/yr
$27,384
Debt
$13,500
10yr Earn
$104,736
#32
St Paul's School of Nursing-Queens
Rego Park, NYFor-ProfitGreat Value
Cost/yr
$31,766
Debt
$25,730
10yr Earn
$104,403
#33
Cornell University
Ithaca, NYPrivateGreat Value
Cost/yr
$32,337
Debt
$14,000
10yr Earn
$104,043
#34
Weill Medical College of Cornell University
New York, NYPrivateGreat Value
Cost/yr
N/A
Debt
$14,000
10yr Earn
$104,043
#35
Boston College
Chestnut Hill, MAPrivateModerateGreat Value
Cost/yr
$39,866
Debt
$19,000
10yr Earn
$103,937
#36
Georgetown University
Washington, DCPrivateLiberalGreat Value
Cost/yr
$39,433
Debt
$15,500
10yr Earn
$103,494
#37
Worcester Polytechnic Institute
Worcester, MAPrivateGreat Value
Cost/yr
$43,273
Debt
$27,000
10yr Earn
$103,470
#38
Georgia Institute of Technology-Main Campus
Atlanta, GAPublicModerateGreat Value
Cost/yr
$13,289
Debt
$21,672
10yr Earn
$102,772
#39
West Coast University-Los Angeles
North Hollywood, CAFor-ProfitGreat Value
Cost/yr
$51,992
Debt
$32,946
10yr Earn
$102,672
#40
West Coast University-Orange County
Anaheim, CAFor-ProfitGreat Value
Cost/yr
$36,836
Debt
$32,946
10yr Earn
$102,672
#41
West Coast University-Ontario
Ontario, CAFor-ProfitGreat Value
Cost/yr
$49,752
Debt
$32,946
10yr Earn
$102,672
#42
West Coast University-Texas
Richardson, TXFor-ProfitGreat Value
Cost/yr
$25,957
Debt
$32,946
10yr Earn
$102,672
#43
West Coast University-Miami
Doral, FLFor-ProfitGreat Value
Cost/yr
$38,218
Debt
$32,946
10yr Earn
$102,672
#44
West Coast University-Center for Graduate Studies
Los Angeles, CAFor-ProfitGreat Value
Cost/yr
N/A
Debt
$32,946
10yr Earn
$102,672
#45
Columbia University in the City of New York
New York, NYPrivateGreat Value
Cost/yr
$20,148
Debt
$21,500
10yr Earn
$102,491
#46
Rensselaer at Hartford
Hartford, CTPrivateGreat Value
Cost/yr
N/A
Debt
$23,750
10yr Earn
$102,051
#47
Rensselaer Polytechnic Institute
Troy, NYPrivateModerateGreat Value
Cost/yr
$33,139
Debt
$23,750
10yr Earn
$102,051
#48
Harvard University
Cambridge, MAPrivateLiberalGreat Value
Cost/yr
$16,816
Debt
$14,000
10yr Earn
$101,817
#49
Lawrence Memorial Hospital School of Nursing
Medford, MAPrivateGreat Value
Cost/yr
N/A
Debt
$20,000
10yr Earn
$101,466
#50
Rose-Hulman Institute of Technology
Terre Haute, INPrivateGreat Value
Cost/yr
$40,665
Debt
$25,000
10yr Earn
$101,253
#51
Oregon Health & Science University
Portland, ORPublicGreat Value
Cost/yr
N/A
Debt
$16,625
10yr Earn
$101,028
#52
Yale University
New Haven, CTPrivateLiberalGreat Value
Cost/yr
$27,818
Debt
$12,975
10yr Earn
$100,533
#53
Villanova University
Villanova, PAPrivateGreat Value
Cost/yr
$44,876
Debt
$25,874
10yr Earn
$100,423
#54
University of Notre Dame
Notre Dame, INPrivateModerateGreat Value
Cost/yr
$27,823
Debt
$19,000
10yr Earn
$99,980
#55
University of Notre Dame -
Chicago, ILPrivateGreat Value
Cost/yr
N/A
Debt
$19,000
10yr Earn
$99,980
#56
Cochran School of Nursing
Yonkers, NYPrivateGreat Value
Cost/yr
N/A
Debt
$19,625
10yr Earn
$99,503
#57
Neumont College of Computer Science
Salt Lake City, UTFor-Profit
Cost/yr
$28,979
Debt
N/A
10yr Earn
$97,827
#58
Duke University
Durham, NCPrivateLiberalGreat Value
Cost/yr
$34,454
Debt
$13,000
10yr Earn
$97,800
#59
Dartmouth College
Hanover, NHPrivateLiberalGreat Value
Cost/yr
$28,619
Debt
$17,500
10yr Earn
$97,434
#60
Colorado School of Mines
Golden, COPublicGreat Value
Cost/yr
$29,240
Debt
$23,000
10yr Earn
$97,335
#61
Mount Sinai Phillips School of Nursing
New York, NYPrivateGreat Value
Cost/yr
N/A
Debt
$19,750
10yr Earn
$96,980
#62
SUNY Maritime College
Throggs Neck, NYPublicGreat Value
Cost/yr
$21,781
Debt
$23,250
10yr Earn
$95,951
#63
Kettering University
Flint, MIPrivateGreat Value
Cost/yr
$33,092
Debt
$27,000
10yr Earn
$94,823
#64
Washington and Lee University
Lexington, VAPrivateGreat Value
Cost/yr
$23,911
Debt
$19,500
10yr Earn
$94,810
#65
California State University Maritime Academy
Vallejo, CAPublicGreat Value
Cost/yr
$17,555
Debt
$24,965
10yr Earn
$94,784
#66
Bucknell University
Lewisburg, PAPrivateGreat Value
Cost/yr
$40,429
Debt
$27,000
10yr Earn
$93,807
#67
University of North Texas Health Science Center
Fort Worth, TXPublic
Cost/yr
N/A
Debt
N/A
10yr Earn
$93,615
#68
American University of Health Sciences
Signal Hill, CAFor-ProfitQuestionable
Cost/yr
N/A
Debt
$40,326
10yr Earn
$93,610
#69
Brown University
Providence, RIPrivateVery LiberalGreat Value
Cost/yr
$26,572
Debt
$11,428
10yr Earn
$93,487
#70
The University of Texas Medical Branch at Galveston
Galveston, TXPublicGreat Value
Cost/yr
N/A
Debt
$13,396
10yr Earn
$92,961
#71
Jewish Theological Seminary of America
New York, NYPrivate
Cost/yr
$29,744
Debt
N/A
10yr Earn
$92,751
#72
Northeastern University Oakland
Oakland, CAPrivateGreat Value
Cost/yr
N/A
Debt
$24,250
10yr Earn
$92,538
#73
Northeastern University
Boston, MAPrivateLiberalGreat Value
Cost/yr
$32,116
Debt
$24,250
10yr Earn
$92,538
#74
Northeastern University Professional Programs
Boston, MAPrivateGreat Value
Cost/yr
N/A
Debt
$24,250
10yr Earn
$92,538
#75
University of Southern California
Los Angeles, CAPrivateLiberalGreat Value
Cost/yr
$31,927
Debt
$18,000
10yr Earn
$92,498
#76
University of California-Berkeley
Berkeley, CAPublicGreat Value
Cost/yr
$14,979
Debt
$13,000
10yr Earn
$92,446
#77
Chamberlain University-Illinois
Addison, ILFor-ProfitGreat Value
Cost/yr
$26,933
Debt
$20,919
10yr Earn
$92,405
#78
Chamberlain University-Ohio
Columbus, OHFor-ProfitGreat Value
Cost/yr
$32,074
Debt
$20,919
10yr Earn
$92,405
#79
Chamberlain University-Arizona
Phoenix, AZFor-ProfitGreat Value
Cost/yr
$37,002
Debt
$20,919
10yr Earn
$92,405
#80
Chamberlain University-Florida
Jacksonville, FLFor-ProfitGreat Value
Cost/yr
$29,539
Debt
$20,919
10yr Earn
$92,405
#81
Chamberlain University-Virginia
Vienna, VAFor-ProfitGreat Value
Cost/yr
N/A
Debt
$20,919
10yr Earn
$92,405
#82
Chamberlain University-Missouri
St. Louis, MOFor-ProfitGreat Value
Cost/yr
$34,947
Debt
$20,919
10yr Earn
$92,405
#83
Chamberlain University-Texas
Houston, TXFor-ProfitGreat Value
Cost/yr
$32,247
Debt
$20,919
10yr Earn
$92,405
#84
Chamberlain University-Georgia
Sandy Springs, GAFor-ProfitGreat Value
Cost/yr
$31,471
Debt
$20,919
10yr Earn
$92,405
#85
Chamberlain University-Indiana
Indianapolis, INFor-ProfitGreat Value
Cost/yr
$36,219
Debt
$20,919
10yr Earn
$92,405
#86
Chamberlain University-Nevada
Las Vegas, NVFor-ProfitGreat Value
Cost/yr
$40,925
Debt
$20,919
10yr Earn
$92,405
#87
Chamberlain University-Michigan
Troy, MIFor-ProfitGreat Value
Cost/yr
$26,870
Debt
$20,919
10yr Earn
$92,405
#88
Chamberlain University-New Jersey
North Brunswick, NJFor-ProfitGreat Value
Cost/yr
$36,438
Debt
$20,919
10yr Earn
$92,405
#89
Chamberlain University-North Carolina
Charlotte, NCFor-ProfitGreat Value
Cost/yr
$21,664
Debt
$20,919
10yr Earn
$92,405
#90
Chamberlain University-California
Rancho Cordova, CAFor-ProfitGreat Value
Cost/yr
N/A
Debt
$20,919
10yr Earn
$92,405
#91
Chamberlain University-Louisiana
Jefferson, LAFor-ProfitGreat Value
Cost/yr
$36,972
Debt
$20,919
10yr Earn
$92,405
#92
Texas Tech University Health Sciences Center
Lubbock, TXPublicGreat Value
Cost/yr
N/A
Debt
$12,268
10yr Earn
$92,348
#93
Upstate Medical University
Syracuse, NYPublicGreat Value
Cost/yr
N/A
Debt
$15,000
10yr Earn
$92,257
#94
University of Chicago
Chicago, ILPrivateModerateGreat Value
Cost/yr
$18,967
Debt
$15,000
10yr Earn
$91,885
#95
Vanderbilt University
Nashville, TNPrivateModerateGreat Value
Cost/yr
$19,040
Debt
$14,000
10yr Earn
$91,565
#96
Lafayette College
Easton, PAPrivateGreat Value
Cost/yr
$32,496
Debt
$16,000
10yr Earn
$91,410
#97
George Washington University
Washington, DCPrivateGreat Value
Cost/yr
$37,454
Debt
$20,449
10yr Earn
$90,873
#98
Trinity College
Hartford, CTPrivateGreat Value
Cost/yr
$35,009
Debt
$23,000
10yr Earn
$90,779
#99
California Polytechnic State University-San Luis Obispo
San Luis Obispo, CAPublicGreat Value
Cost/yr
$15,624
Debt
$18,500
10yr Earn
$90,768
#100
United States Merchant Marine Academy
Kings Point, NYPublicGreat Value
Cost/yr
$7,506
Debt
$8,833
10yr Earn
$90,610

Cost & debt: U.S. Dept. of Education College Scorecard · Earnings: median 10yr post-entry