-100%
3-year cohort default rate
3-year cohort default rate at University of Massachusetts-Boston fell 100% between 2021 and 2024 (2.0% → 0.0%).
Massachusetts · Public · Predominantly bachelor's
UMass Boston
Boston, Massachusetts. 11,848 undergraduate students. 184 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at UMass Boston
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.
+22%
100%-time completion
100%-time completion at University of Massachusetts-Boston rose 22% between 2021 and 2024 (26.8% → 32.5%).
+10%
First-year retention
First-year retention at University of Massachusetts-Boston rose 10% between 2006 and 2009 (70.0% → 77.2%).
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.
$65,865+23% · 6→10y
Massachusetts median $56,022$53,521
Treasury earnings · 6y post-entry51.1%+65% · '97→'24
Massachusetts median 66.5%$15,000+193% · '97→'20
At program completion11,848+47% · '96→'24
latest IPEDS72.9%+9% · '04→'09
first-time, full-time83.0%+44% · '01→'24
latest cohort$15,496+276% · '00→'24
out-of-state $37,174SECTION 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
3.0%Median federal debt $15,000 amortized over 10 years vs. median earnings $65,865 (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.
+65%
UMass Boston · completion · 150% rose
29.9% → 49.4%
+153%
UMass Boston · completion · 100% rose
12.8% → 32.5%
+47%
UMass Boston · undergrad enrollment rose
7,821 → 11,512
+276%
UMass Boston · in-state tuition rose
$4,227 → $15,908
+208%
UMass Boston · out-of-state tuition rose
$12,362 → $38,125
+193%
UMass Boston · median debt rose
$7,500 → $21,974
-100%
UMass Boston · cohort default rate fell
5.8% → 0.0%
+53%
UMass Boston · earnings_median_8yr rose
$42,500 → $64,922
+37%
UMass Boston · earnings_median_6yr rose
$39,200 → $53,521
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.$131,027Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$124,750Business Administration, Management and Operations.$110,986Educational Administration and Supervision.$106,540Accounting and Related Services.$95,017Educational/Instructional Media Design.$94,967Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$94,210Clinical, Counseling and Applied Psychology.$90,913Public Administration.$85,920Computer and Information Sciences, General.$85,753Gerontology.$75,845Economics.$75,739Special Education and Teaching.$72,494Clinical, Counseling and Applied Psychology.$72,089Business Administration, Management and Operations.$71,306Health and Physical Education/Fitness.$69,810Clinical, Counseling and Applied Psychology.$69,721Biochemistry, Biophysics and Molecular Biology.$69,587Teacher Education and Professional Development, Specific Levels and Methods.$69,295Mathematics.$68,500Linguistic, Comparative, and Related Language Studies and Services.$68,403Special Education and Teaching.$68,260Criminal Justice and Corrections.$68,157Biology, General.$67,991
Showing top 24 of 46 ranked programs.
SECTION 06 · BY CIP FAMILY
46 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.$69,295Teacher Education and Professional Development, Specific Levels and Methods.$46,240Special Education and Teaching.$68,260Special Education and Teaching.$72,494Student Counseling and Personnel Services.$65,194Educational/Instructional Media Design.$94,967Educational Administration and Supervision.$106,540
FOREIGN LANGUAGES · CIP 16
ENGLISH LANGUAGE & LITERATURE · CIP 23
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
MATHEMATICS & STATISTICS · CIP 27
MULTI/INTERDISCIPLINARY STUDIES · CIP 30
PARKS, RECREATION & FITNESS · CIP 31
PHILOSOPHY & RELIGIOUS STUDIES · CIP 38
PHYSICAL SCIENCES · CIP 40
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.$94,210Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$131,027Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$124,750Mental and Social Health Services and Allied Professions.$62,900
BUSINESS, MANAGEMENT & MARKETING · CIP 52
HISTORY · CIP 54
NATURAL RESOURCES & CONSERVATION · CIP 03
AREA, ETHNIC & CULTURAL STUDIES · CIP 05
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at UMass Boston
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
$509,007
Over 40 years, discounted 5.0%
BREAKEVEN
Year 9
First year cumulative discounted earnings cross zero
- Cost per year
- $17,572
- HS-only baseline · MA
- $42,600
- Years to complete
- 4
- CIP family
- 52
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
“UMass Boston graduates earn $X” — not “UMass Boston makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending UMass Boston 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.