+18%
Median federal debt at exit
Median federal debt at exit at Massachusetts Institute of Technology rose 18% between 2017 and 2020 ($12.5k → $14.8k).
Massachusetts · Private nonprofit · Predominantly bachelor's
MIT
Cambridge, Massachusetts. 4,571 undergraduate students. 107 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at MIT
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.
+127%
Private nonprofit bachelor's-predominant peer
10-year earnings at Massachusetts Institute of Technology are 127% above the private nonprofit bachelor's-predominant peer median ($143.4k vs $63.2k).
+12%
In-state tuition
In-state tuition at Massachusetts Institute of Technology rose 12% between 2021 and 2024 ($55.9k → $62.4k).
+12%
Out-of-state tuition
Out-of-state tuition at Massachusetts Institute of Technology rose 12% between 2021 and 2024 ($55.9k → $62.4k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Massachusetts
Each tile compares this institution to the Massachusetts median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$143,372+9% · 6→10y
Massachusetts median $56,022$131,633
Treasury earnings · 6y post-entry96.1%+8% · '97→'24
Massachusetts median 66.5%$12,462-10% · '97→'20
At program completion4,571+3% · '96→'24
latest IPEDS99.0%-1% · '04→'09
first-time, full-time4.7%-73% · '01→'24
latest cohort$60,156+131% · '01→'24
out-of-state $60,156SECTION 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
1.2%Median federal debt $12,462 amortized over 10 years vs. median earnings $143,372 (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.
150%-time completion rate.
Median federal student debt at exit.
+131%
MIT · in-state tuition rose
$26,960 → $62,396
+131%
MIT · out-of-state tuition rose
$26,960 → $62,396
+65%
MIT · earnings_median_8yr rose
$82,100 → $135,278
+83%
MIT · earnings_median_6yr rose
$71,900 → $131,633
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.
Business/Commerce, General.$264,269Electrical, Electronics and Communications Engineering.$250,263Mathematics.$226,193Computer Science.$220,064Systems Engineering.$194,940Electrical, Electronics and Communications Engineering.$190,731Biomedical/Medical Engineering.$170,826Mechanical Engineering.$167,643Mechanical Engineering.$159,366Electrical, Electronics and Communications Engineering.$156,904Aerospace, Aeronautical and Astronautical Engineering.$155,401Business/Commerce, General.$142,355Aerospace, Aeronautical and Astronautical Engineering.$138,934Physics.$126,258Chemical Engineering.$124,650Chemistry.$120,827Biology, General.$115,925City/Urban, Community and Regional Planning.$109,410Mechanical Engineering.$106,765Biomedical/Medical Engineering.$106,402Materials Engineering$98,069Civil Engineering.$95,276Architecture.$87,746Biology, General.$82,813
SECTION 06 · BY CIP FAMILY
24 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
ENGINEERING · CIP 14
Systems Engineering.$194,940Mechanical Engineering.$106,765Mechanical Engineering.$159,366Electrical, Electronics and Communications Engineering.$250,263Aerospace, Aeronautical and Astronautical Engineering.$155,401Electrical, Electronics and Communications Engineering.$190,731Biomedical/Medical Engineering.$106,402Electrical, Electronics and Communications Engineering.$156,904Mechanical Engineering.$167,643Aerospace, Aeronautical and Astronautical Engineering.$138,934Biomedical/Medical Engineering.$170,826Chemical Engineering.$124,650Civil Engineering.$95,276Materials Engineering$98,069
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
MATHEMATICS & STATISTICS · CIP 27
PHYSICAL SCIENCES · CIP 40
BUSINESS, MANAGEMENT & MARKETING · CIP 52
ARCHITECTURE · CIP 04
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at MIT
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
$3,735,219
Over 40 years, discounted 5.0%
BREAKEVEN
Year 4
First year cumulative discounted earnings cross zero
- Cost per year
- $4,621
- HS-only baseline · MA
- $42,600
- Years to complete
- 4
- CIP family
- 11
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 Massachusetts
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“MIT graduates earn $X” — not “MIT makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending MIT 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.