Lowell, Massachusetts. 11,632 undergraduate students. 179 programs in the federal Field-of-Study dataset.
UNITID 166513 · OPEID 002161 · IPEDS HDVINTAGE · COLLEGE SCORECARD · 2025-05 · HISTORY 1996–2024
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at UMass Lowell
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.
LONG-ARC SHIFT · TRENDING BETTER-100%
3-year cohort default rate
3-year cohort default rate at University of Massachusetts-Lowell fell 100% between 2021 and 2024 (0.8% → 0.0%).
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.
MEDIAN EARNINGS · 10Y
$64,874+6% · 6→10y
Massachusetts median $56,022
MEDIAN EARNINGS · 6Y
$61,467
Treasury earnings · 6y post-entry
COMPLETION · 150%
70.1%+44% · '97→'24
Massachusetts median 66.5%
MEDIAN FEDERAL DEBT
$18,250+258% · '97→'20
At program completion
UNDERGRAD ENROLLMENT
11,632+67% · '96→'24
latest IPEDS
RETENTION
81.9%+8% · '04→'09
first-time, full-time
ADMISSION RATE
85.2%+23% · '01→'24
latest cohort
IN-STATE TUITION
$16,570+299% · '00→'24
out-of-state $35,396
SECTION 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).
ALL FEDERALLY AIDED STUDENTS · TAX-RECORD EARNINGSVINTAGE 2025-05
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
3.7%
0%8% · GE20%+
Median federal debt $18,250 amortized over 10 years vs. median earnings $64,874 (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.
UNDERGRAD · 1996–202411,434
Undergraduate enrollment.IPEDS EF
COMPLETION 150% · 1997–202464.8%
150%-time completion rate.IPEDS GR
MEDIAN DEBT · 1997–2020$23,704
Median federal student debt at exit.SCORECARD
COMPLETION · 150% · 1997→2024+44%
UMass Lowell · completion · 150% rose
45.1% → 64.8%
COMPLETION · 100% · 1997→2024+73%
UMass Lowell · completion · 100% rose
25.7% → 44.5%
UNDERGRAD ENROLLMENT · 1996→2024+67%
UMass Lowell · undergrad enrollment rose
6,867 → 11,434
IN-STATE TUITION · 2000→2024+299%
UMass Lowell · in-state tuition rose
$4,255 → $16,966
OUT-OF-STATE TUITION · 2000→2024+221%
UMass Lowell · out-of-state tuition rose
$11,290 → $36,264
MEDIAN DEBT · 1997→2020+258%
UMass Lowell · median debt rose
$6,625 → $23,704
COHORT DEFAULT RATE · 2011→2024-100%
UMass Lowell · cohort default rate fell
5.0% → 0.0%
EARNINGS_MEDIAN_8YR · 2005→2020+38%
UMass Lowell · earnings_median_8yr rose
$47,000 → $64,695
EARNINGS_MEDIAN_6YR · 2003→2020+47%
UMass Lowell · earnings_median_6yr rose
$41,700 → $61,467
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.
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
$485,806
Over 40 years, discounted 5.0%
BREAKEVEN
Year 9
First year cumulative discounted earnings cross zero
Cost per year
$15,576
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.
“UMass Lowell graduates earn $X” — not “UMass Lowell makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending UMass Lowell 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.