-100%
3-year cohort default rate
3-year cohort default rate at University of North Georgia fell 100% between 2021 and 2024 (1.8% → 0.0%).
Georgia · Public · Predominantly bachelor's
University of North Georgia
Dahlonega, Georgia. 15,542 undergraduate students. 86 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at University of North Georgia
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
+20%
100%-time completion
100%-time completion at University of North Georgia rose 20% between 2021 and 2024 (27.1% → 32.5%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Georgia
Each tile compares this institution to the Georgia median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$50,135+16% · 6→10y
Georgia median $38,208$43,085
Treasury earnings · 6y post-entry36.9%
Georgia median 41.6%$9,673+18% · '13→'20
At program completion15,542+11% · '13→'24
latest IPEDS72.7%-8% · '13→'24
first-time, full-time72.2%+11% · '13→'24
latest cohort$5,009+25% · '13→'24
out-of-state $15,441SECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
2.6%Median federal debt $9,673 amortized over 10 years vs. median earnings $50,135 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
Median federal student debt at exit.
+28%
University of North Georgia · completion · 100% rose
25.4% → 32.5%
+36%
University of North Georgia · out-of-state tuition rose
$12,133 → $16,503
-100%
University of North Georgia · cohort default rate fell
9.2% → 0.0%
-26%
University of North Georgia · pell share fell
37.9% → 28.1%
+23%
University of North Georgia · earnings_median_10yr rose
$40,600 → $50,135
+26%
University of North Georgia · earnings_median_8yr rose
$37,800 → $47,499
+30%
University of North Georgia · earnings_median_6yr rose
$33,100 → $43,085
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$119,279Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$84,545Computer and Information Sciences, General.$83,220Linguistic, Comparative, and Related Language Studies and Services.$78,292Rehabilitation and Therapeutic Professions.$77,679Finance and Financial Management Services.$75,740Accounting and Related Services.$71,914Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$69,360Marketing.$64,133International Relations and National Security Studies.$61,391Political Science and Government.$60,531Business Administration, Management and Operations.$59,737Teacher Education and Professional Development, Specific Levels and Methods.$59,685Natural Resources Conservation and Research.$55,885Teacher Education and Professional Development, Specific Subject Areas.$55,875History.$55,603Mathematics.$55,484Allied Health Diagnostic, Intervention, and Treatment Professions.$54,770Biology, General.$54,664Psychology, General.$53,637Criminal Justice and Corrections.$53,627Teacher Education and Professional Development, Specific Subject Areas.$53,068Liberal Arts and Sciences, General Studies and Humanities.$48,240Design and Applied Arts.$47,803
Showing top 24 of 32 ranked programs.
SECTION 06 · BY CIP FAMILY
32 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
COMPUTER & INFORMATION SCIENCES · CIP 11
EDUCATION · CIP 13
Teacher Education and Professional Development, Specific Levels and Methods.$47,345Teacher Education and Professional Development, Specific Levels and Methods.$59,685Teacher Education and Professional Development, Specific Subject Areas.$55,875Teacher Education and Professional Development, Specific Subject Areas.$53,068Special Education and Teaching.$46,835
FOREIGN LANGUAGES · CIP 16
ENGLISH LANGUAGE & LITERATURE · CIP 23
LIBERAL ARTS & GENERAL STUDIES · CIP 24
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
MATHEMATICS & STATISTICS · CIP 27
PSYCHOLOGY · CIP 42
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
PUBLIC ADMINISTRATION & SOCIAL SERVICES · CIP 44
SOCIAL SCIENCES · CIP 45
VISUAL & PERFORMING ARTS · CIP 50
HEALTH PROFESSIONS · CIP 51
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$84,545Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$119,279Allied Health Diagnostic, Intervention, and Treatment Professions.$54,770Rehabilitation and Therapeutic Professions.$77,679Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$69,360
BUSINESS, MANAGEMENT & MARKETING · CIP 52
HISTORY · CIP 54
NATURAL RESOURCES & CONSERVATION · CIP 03
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at University of North Georgia
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
NET PRESENT VALUE
$161,830
Over 40 years, discounted 5.0%
BREAKEVEN
Year 12
First year cumulative discounted earnings cross zero
- Cost per year
- $11,167
- HS-only baseline · GA
- $35,800
- Years to complete
- 2
- CIP family
- 24
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Georgia
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“University of North Georgia graduates earn $X” — not “University of North Georgia makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending University of North Georgia caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.