Frostburg State University
Frostburg, MD 21532-1099 — Public
Value Score: 85/100 | ROI Score: 36 | Affordability Score: 90/100
Tuition (In-State): $10,220 | Out-of-State: $25,814
Acceptance Rate: 89.2% | Graduation Rate: 50.9% | Retention Rate: 69.3%
Median Earnings (10yr): $55,493 | Median Debt: $21,105
ACT Midpoint: 21
Student Body Size: 2,909 (medium)
Pell Grant Recipients: 32.2% | Federal Loan Rate: 37.7%
Average Faculty Salary: $9,386/month
Tuition & Affordability Analysis
In-state tuition at Frostburg State University is $10,220 per year, which is 7% below the national average for public institutions.
Out-of-state students pay $25,814/year — a premium of $15,594 over in-state rates. Over four years, out-of-state students pay approximately $62,376 more than their in-state peers.
Estimated four-year tuition cost: $40,880 (tuition only, not including room, board, and fees).
What You Actually Pay: Net Price by Family Income
The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at Frostburg State University:
- Families earning $0–$30,000: $12,129/year
- Families earning $30,001–$48,000: $12,240/year
- Families earning $48,001–$75,000: $15,709/year
- Families earning $75,001–$110,000: $19,727/year
- Families earning $110,000+: $23,297/year
Admissions Snapshot
Frostburg State University has an acceptance rate of 89.2%, placing it in the Open Admission (85%+) category. This means roughly 815 students apply each year.
Frostburg State University accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.
The ACT midpoint is 21, near the national average.
Graduate Outcomes & Return on Investment
50.9% of students at Frostburg State University complete their degree, 18% below the national average. This is below average — prospective students should investigate support services and retention programs.
First-year retention rate: 69.3% (14% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.
Graduates of Frostburg State University earn a median salary of $55,493 ten years after enrollment, 36% above the national average. This represents a $20,493/year earnings premium over the average high school diploma holder, or $614,790 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $21,105, near the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $229/month, with a total repayment of $27,480 (including $6,375 in interest).
Debt-to-Earnings Ratio: 0.38x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.
Breakeven Point: Based on the earnings premium over high school graduates, a degree from Frostburg State University pays for itself in approximately 2 years. This is an excellent return on investment.
Financial Aid Profile
32.2% of students at Frostburg State University receive Pell Grants (federal need-based aid for families earning under ~$60,000), near the national average. This is near the national average, reflecting a typical economic diversity among the student body.
37.7% of students take federal loans, 20% below the national average. This is a moderate borrowing rate.
Average faculty salary: $9,386/month, 8% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
Frostburg State University enrolls 2,909 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.
Diversity Index: 62/100 (higher = more diverse). The campus has moderate diversity.
Student body composition: White 57%, Hispanic 7%, Black 23%, Asian 1%.
Frostburg State University: Moderate Academic Success with High Affordability and Strong Earnings Potential
- Frostburg State University: Affordable Education, Solid Regional Outcomes
- Unlock Your Potential: Career Success Stories from Frostburg State University
- Experience the Mountains: A FSU Education for Life Beyond the Classroom
Report Card: Overall Grade C
Frostburg State University receives an overall grade of C based on six dimensions:
- Academics: D
- Value: C
- Outcomes: B
- Affordability: C+
College Analysis
Frostburg State University is a Public institution in Frostburg, MD with approximately 2,909 students. Academics: Frostburg State University has a graduation rate of 50.9%, indicating moderate success in student completion. Value: The university offers a relatively affordable in-state tuition of $10,220, with a high affordability score of 90. Outcomes: Graduates earn a median salary of $55,493 after 10 years, which is above the national average for similar institutions.
The Verdict: Is Frostburg State University Worth It?
Frostburg State University presents a mixed value proposition. With a median 10-year earnings of $55,493 and median debt of $21,105, the return on investment (ROI) score of 36 suggests a moderate financial outcome. The in-state tuition of $10,220 per year makes it relatively affordable for Maryland residents, potentially leading to a quicker debt payoff. For an in-state student, graduating with $21,105 in debt could theoretically be paid off within 2-3 years if a significant portion of the median starting salary is allocated to debt repayment, assuming a reasonable interest rate. However, the out-of-state tuition of $25,814 significantly increases the debt burden and lengthens the payoff period, making it a less attractive financial choice for non-residents. Compared to the national median earnings for college graduates, FSU's median earnings are slightly below average. While it's not an overpriced institution, especially for in-state students, it's not a standout performer in terms of immediate post-graduation financial returns. It's a solid, affordable option for Maryland residents seeking a public university education, but out-of-state students should carefully weigh the higher costs against potential career outcomes. It's a decent deal for in-state students, but a more cautious consideration for out-of-state.
Return on Investment
While the degree is worth the cost given the high affordability and strong career outcomes, students should carefully consider the median debt upon graduation.
Debt Reality Check
Median student debt at Frostburg State University: $21,105. Monthly payment on a standard 10-year plan: $240/month. Total repaid: $28,800 ($7,695 in interest).
Breakeven vs high school diploma: 0.8 years. Debt burden: Manageable. Salary needed for comfortable repayment: $28,800.
Strengths
- High affordability and strong value proposition
- Moderate success in student completion and career outcomes
Weaknesses
- Moderate admission rate and selective student body
- High median student debt upon graduation
Academic Profile
ACT Midpoint: 21. Retention Rate: 69.3%.
Frostburg State University, a proud member of the University System of Maryland, offers a robust academic experience with particular strengths in its College of Business, College of Education, and College of Liberal Arts and Sciences. Programs like Criminal Justice, Psychology, and Business Administration are consistently popular among students, drawing on faculty expertise and practical application. The university encourages undergraduate research, providing opportunities for students to work alongside faculty mentors on projects that can lead to presentations at conferences or even publications. While specific faculty salary data isn't readily available, the university's commitment to accessible education suggests a faculty dedicated to student success. The student-faculty ratio, while not explicitly provided, is generally indicative of a supportive learning environment in a university of this size. Frostburg State also boasts a strong Honors Program, offering enriched academic experiences and priority registration for high-achieving students. Study abroad opportunities are available through various partnerships, allowing students to broaden their horizons academically and culturally. Academic support is a cornerstone, with resources like the Academic Success Center providing tutoring, academic advising, and workshops to help students navigate their coursework and develop effective study habits. The university's focus on providing a quality education within the public university system ensures a solid foundation for graduates entering the workforce or pursuing further studies.
Financial Aid Guide for Frostburg State University
Pell Grant recipients: 32.2%. Students taking federal loans: 37.7%.
Frostburg State University is committed to making education accessible, and understanding its financial aid landscape is key. For the 2023-2024 academic year, in-state tuition and fees hover around $10,220, while out-of-state students face a higher sticker price of $25,814. Frostburg offers a range of financial aid options, including merit-based scholarships and need-based grants. Merit scholarships are often awarded automatically based on academic achievement (GPA and standardized test scores, though these are not currently a primary focus for admission). Need-based aid, determined by the FAFSA, can include Federal Pell Grants, state grants, and institutional aid. For students demonstrating financial need, typical aid packages can significantly reduce the out-of-pocket cost. For example, a student with a Pell Grant eligibility might receive several thousand dollars in grants alone. Work-study opportunities are also available, providing part-time employment on campus for students who qualify. While Frostburg doesn't typically engage in extensive aid negotiation for merit scholarships, demonstrating significant financial need through the FAFSA is the most effective way to maximize your aid package. It's crucial to file the FAFSA early, as many state and institutional funds are awarded on a first-come, first-served basis. Keep an eye out for specific departmental scholarships and opportunities advertised through the university's financial aid website, as these can offer additional funding streams.
Hidden Costs at Frostburg State University
- Room and board costs can range from $10,000 to $14,000 annually, depending on the chosen meal plan and housing assignment.
- Textbooks and course materials can add an estimated $1,000 to $1,500 per academic year.
- Mandatory student fees, covering services like technology and student activities, typically amount to around $1,500 per year.
- Transportation costs, especially for out-of-state students or those commuting from further distances, can vary widely but budget at least $500-$1,000 annually for gas, maintenance, or public transit.
- Parking permits for students living on campus or commuting can cost between $100 and $300 per academic year.
- Personal expenses, including toiletries, laundry, entertainment, and snacks, can easily add $1,500 to $2,500 per year.
- Health insurance, if not covered by a parent's plan, can add approximately $2,000 to $3,000 annually.
Alumni Outcomes & Career Paths
Frostburg State University (FSU) graduates enter a diverse job market, with alumni finding opportunities across various sectors. While specific major employer lists are not publicly detailed, common recruitment patterns for regional public universities suggest that graduates are sought by state and local government agencies, healthcare systems, educational institutions, and regional businesses. Industries where FSU alumni tend to cluster include education, healthcare, public administration, and business services. For instance, graduates in health sciences might find roles at institutions like UPMC Western Maryland or other regional healthcare providers. Education majors often secure positions within the Maryland public school system or surrounding districts. Business and accounting graduates may be recruited by regional accounting firms or companies in the finance sector. Graduate school placement rates are not explicitly published, but FSU's strong emphasis on undergraduate research and faculty mentorship likely prepares students for advanced studies. Notable alumni are spread across various fields, including politics, sports, and arts, though their direct impact on current recruitment pipelines is indirect. FSU's Career Services offers resume workshops, interview preparation, and job fairs, connecting students with employers like Northrop Grumman, BGE (an Exelon Company), and various state agencies. Internship pipelines are crucial, with students often gaining experience through partnerships with local businesses and organizations in the Western Maryland region, providing hands-on experience that translates into job offers. Geographic hiring patterns show a strong tendency for graduates to remain within Maryland, particularly in the western and central parts of the state, though some may move to larger metropolitan areas like Baltimore or Washington D.C. for broader opportunities.
Campus Life & Culture at Frostburg State University
Frostburg State University attracts a predominantly in-state student body, with a significant portion hailing from Maryland and surrounding regions, fostering a strong sense of local community. The student population is diverse, with efforts to increase representation across various backgrounds, and the university thrives with students who appreciate a close-knit, supportive environment and are drawn to its strong academic programs and outdoor setting.
Frostburg State University, nestled in the scenic Allegheny Mountains, offers a close-knit campus community with a distinct small-town feel. The 'Bobcat' spirit is palpable, especially during athletic events at Bobcat Stadium or lively performances at the Performing Arts Center. Student life is centered around the main campus, with most academic buildings and residence halls within easy walking distance. Residence halls like Catherine Hall and Holloway Hall offer traditional living experiences, while apartment-style options provide more independence. The Lane University Center serves as the student union, a hub for dining, socializing, and accessing campus services. Dining options include the main dining hall, known for its all-you-can-eat format, and various retail locations like the 'Den' for grab-and-go options. With over 100 student organizations, from the Outdoor Adventure Club that takes advantage of the surrounding natural beauty to academic clubs and cultural groups, there's a niche for everyone. Greek life is present but not dominant, with a few fraternities and sororities contributing to the social fabric. The surrounding town of Frostburg offers a few local eateries and shops, and students often venture to nearby Cumberland for more extensive entertainment and shopping. Weekends can involve campus events, exploring the mountains, or heading off-campus for a change of scenery. The overall vibe is friendly, engaged, and community-oriented, with a strong emphasis on outdoor activities and a supportive academic environment.
Campus Highlights
- The stunning natural beauty of the Allegheny Mountains provides unparalleled opportunities for outdoor recreation, including hiking, skiing, and exploring state parks.
- Frostburg's strong sense of community, often referred to as the 'Bobcat Family,' fosters a supportive and friendly campus atmosphere.
- The historic downtown Frostburg area offers a charming, walkable environment with local shops, restaurants, and cultural venues.
- The university's commitment to sustainability is evident in its green initiatives and focus on environmental stewardship.
- The Performing Arts Center hosts a variety of professional touring shows, concerts, and student productions, enriching the cultural landscape.
- Bobcat Athletics fosters school spirit with competitive teams across various NCAA Division II sports.
- The university's location provides a unique blend of a close-knit campus feel with access to larger cities like Cumberland for expanded amenities.
Location & Regional Advantages
Frostburg, Maryland, offers a unique regional context for Frostburg State University students. The local job market in Allegany County is primarily driven by healthcare, education, and public sector employment, with UPMC Western Maryland being a significant employer. While Frostburg itself is a smaller city, its location in Western Maryland provides a degree of separation from major urban centers, fostering a close-knit community feel. The cost of living in Frostburg is notably lower than in many parts of Maryland, making student expenses more manageable. Proximity to industry hubs is somewhat limited directly within Frostburg, but the university is within a few hours' drive of larger markets like Pittsburgh, Pennsylvania, and the Baltimore-Washington D.C. corridor. This allows for access to a wider range of internships and job opportunities, though it requires travel. Quality of life in Frostburg is characterized by its scenic mountain setting, offering outdoor recreational activities like hiking and skiing. The weather includes distinct seasons, with cold, snowy winters and warm summers. Safety is generally considered good in this smaller, rural community. The location's primary advantage is its affordability and the strong sense of community it provides, which can be conducive to focused study. However, the distance from major economic centers can be a disadvantage for students seeking immediate immersion in large, diverse job markets immediately post-graduation.
How to Get Into Frostburg State University
Frostburg State University, with an admission rate of 89.2%, is generally accessible to a wide range of students. While Early Decision (ED) and Early Action (EA) are not heavily emphasized as strategic advantages due to the school's selectivity, applying earlier in the cycle is always recommended to ensure full consideration for scholarships and housing. The admissions committee values a solid academic record, demonstrated by a good GPA, and a genuine interest in Frostburg's programs. While SAT/ACT scores are not currently a primary factor, a strong academic profile remains important. Essays are a chance to showcase your personality, goals, and why Frostburg is the right fit for you; focus on your aspirations and how the university's offerings align with them. Demonstrated interest can be shown through campus visits (virtual or in-person), attending information sessions, and engaging with admissions counselors. For students with a GPA in the B range or higher, Frostburg should be a strong possibility. The key is to present a complete application that highlights your academic potential and your enthusiasm for becoming a Bobcat. Aim to submit your application well before the priority deadlines, typically in late winter or early spring, to maximize your opportunities.
How Frostburg State University Compares to Similar Schools
Similar schools: Salisbury University, Towson University, Shippensburg University of Pennsylvania, Shepherd University
Advantages
- Lower cost of living in Frostburg compared to more urban university locations.
- Strong sense of community and smaller class sizes fostering closer faculty interaction.
- Unique outdoor recreational opportunities in the surrounding Appalachian Mountains.
- More accessible and potentially less competitive admissions compared to larger state universities.
Disadvantages
- Limited proximity to major metropolitan job markets and corporate headquarters.
- Fewer diverse internship and co-op opportunities directly within the immediate geographic area.
- Lower national brand recognition compared to larger, more established state university systems.
Best For
- Students interested in highly specialized fields may find the university's resources and faculty limited.
- Prospective students should consider the high median debt upon graduation when evaluating the overall value.
Avoid If
- Students who prioritize high tuition costs or limited financial aid options should consider other institutions.
- Those seeking a highly selective and competitive academic environment may find Frostburg State University less suitable.
Frequently Asked Questions about Frostburg State University
How much does it cost to attend Frostburg State University?
In-state tuition at Frostburg State University is $10,220 per year, and out-of-state tuition is $25,814 per year. The median student debt at graduation is $21,105.
What is the acceptance rate at Frostburg State University?
Frostburg State University has an acceptance rate of 89.2%.
What is the graduation rate at Frostburg State University?
Frostburg State University has a graduation rate of 50.9%.
How much do Frostburg State University graduates earn?
The median earnings for Frostburg State University graduates 10 years after enrollment is $55,493. With median debt of $21,105, graduates earn roughly 2.6x their debt level annually.
How big is Frostburg State University?
Frostburg State University has approximately 2,909 students and is classified as a medium institution. It is located in Frostburg, MD and is a Public institution.
Is Frostburg State University worth the cost?
Frostburg State University has an ROI score of 36 out of 100. With in-state tuition of $10,220 per year and median post-graduation earnings of $55,493, the data suggests the return on investment may be below average.
Where is Frostburg State University located?
Frostburg State University is located in Frostburg, MD. It is a Public institution with approximately 2,909 students.
How much student debt do Frostburg State University graduates have?
The median student debt for Frostburg State University graduates is $21,105. With median earnings of $55,493 ten years after enrollment, graduates can expect a debt-to-income ratio of 38%.
Is Frostburg State University a good college?
Frostburg State University has a graduation rate of 50.9% and median post-graduation earnings of $55,493. 57.24% of students are white, 22.89% are black, 6.91% are Hispanic, and 1.27% are Asian, reflecting a diverse student body.
How does Frostburg State University compare to similar colleges?
The university has an admission rate of 89.18%, indicating it is moderately selective. Compared to peer institutions, Frostburg State University offers a strong value proposition with high affordability and decent academic outcomes, but graduates earn slightly less than the national average.
What career prospects do Frostburg State University graduates have?
Graduates of Frostburg State University are well-positioned for careers in various fields, particularly in regions where the university's location provides a competitive edge.
What should prospective students know about Frostburg State University?
Frostburg State University is well-suited for students seeking a balance between affordability and academic success, with a focus on career readiness and regional job opportunities.
What makes Frostburg State University stand out?
Median student debt upon graduation is $21,105, which is relatively high compared to the affordability score.
What are the pros and cons of attending Frostburg State University?
The university is located in a medium-sized city in Maryland, providing a balanced urban and rural environment.
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View on College Scorecard (Dept. of Education)
Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.