Indiana University-South Bend
South Bend, IN 46615-7111 — Public
Value Score: 65/100 | ROI Score: 33 | Affordability Score: 90/100
Tuition (In-State): $8,424 | Out-of-State: $22,811
Acceptance Rate: 83.8% | Graduation Rate: 37.9% | Retention Rate: 65.1%
Median Earnings (10yr): $44,947 | Median Debt: $21,355
SAT Average: 1081 | ACT Midpoint: 21
Student Body Size: 3,933 (medium)
Pell Grant Recipients: 42.7% | Federal Loan Rate: 34.9%
Average Faculty Salary: $7,053/month
Tuition & Affordability Analysis
In-state tuition at Indiana University-South Bend is $8,424 per year, which is 23% below the national average for public institutions.
Out-of-state students pay $22,811/year — a premium of $14,387 over in-state rates. Over four years, out-of-state students pay approximately $57,548 more than their in-state peers.
Estimated four-year tuition cost: $33,696 (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 Indiana University-South Bend:
- Families earning $0–$30,000: $4,637/year
- Families earning $30,001–$48,000: $4,926/year
- Families earning $48,001–$75,000: $8,195/year
- Families earning $75,001–$110,000: $13,968/year
- Families earning $110,000+: $15,825/year
Low-income families receive an average discount of $3,787/year, paying just 55% of the sticker price.
Admissions Snapshot
Indiana University-South Bend has an acceptance rate of 83.8%, placing it in the Less Selective (70–85%) category. This means roughly 1,173 students apply each year.
Indiana University-South Bend accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.
The average SAT score of admitted students is 1081, near the national average. This is within the mid-range nationally.
The ACT midpoint is 21, near the national average.
Graduate Outcomes & Return on Investment
37.9% of students at Indiana University-South Bend complete their degree, 39% below the national average. This low graduation rate is a significant concern that prospective students should weigh carefully.
First-year retention rate: 65.1% (20% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.
Graduates of Indiana University-South Bend earn a median salary of $44,947 ten years after enrollment, 10% above the national average. This represents a $9,947/year earnings premium over the average high school diploma holder, or $298,410 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $21,355, near the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $232/month, with a total repayment of $27,840 (including $6,485 in interest).
Debt-to-Earnings Ratio: 0.48x. 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 Indiana University-South Bend pays for itself in approximately 4 years. This is an excellent return on investment.
Financial Aid Profile
42.7% of students at Indiana University-South Bend receive Pell Grants (federal need-based aid for families earning under ~$60,000), 29% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.
34.9% of students take federal loans, 26% below the national average. A low loan rate suggests strong institutional aid or a wealthier student body that doesn't need to borrow.
Average faculty salary: $7,053/month, 19% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
Indiana University-South Bend enrolls 3,933 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.
Diversity Index: 60/100 (higher = more diverse). The campus has moderate diversity.
Student body composition: White 58%, Hispanic 23%, Black 9%, Asian 2%.
Indiana University-South Bend: Medium-Sized Public Institution with Affordable Tuition and Below-Average Graduation Rates
- Indiana University-South Bend: Affordable Education, Solid Regional Careers
- Unlock Your Potential: Career Success Stories from Indiana University-South Bend
- Experience the Best of the Midwest: Life and Learning at IUSB
Report Card: Overall Grade C
Indiana University-South Bend receives an overall grade of C based on six dimensions:
- Academics: D
- Value: C-
- Outcomes: C
- Affordability: B+
College Analysis
Indiana University-South Bend is a Public institution in South Bend, IN with approximately 3,933 students. Indiana University-South Bend has a relatively low graduation rate, which may indicate challenges in student retention. The median earnings 10 years after graduation are below the national average, suggesting potential career outcomes may not be as strong as at some peer institutions. The tuition cost for in-state students is relatively low, making it more affordable compared to out-of-state tuition, but still higher than the affordability score suggests.
The Verdict: Is Indiana University-South Bend Worth It?
Indiana University-South Bend presents a moderate value proposition, leaning towards a reasonable investment rather than a spectacular one. With a median 10-year earning of $44,947 and median debt of $21,355, graduates are looking at a debt-to-income ratio that requires careful financial management. The debt payoff timeline, assuming a standard repayment plan and considering typical starting salaries, could range from 5 to 8 years. The ROI score of 33 further reinforces this moderate assessment. Compared to the out-of-state tuition of $22,811 per year, the in-state tuition of $8,424 makes it a significantly better deal for Indiana residents. For in-state students, the cost of a four-year degree (approximately $33,700) is less than the first year's median earnings, suggesting a relatively quick recoupment period. However, the low graduation rate of 37.9% is a concern, indicating that a significant portion of students may not complete their degrees within a typical timeframe, potentially increasing overall costs and debt. Overall, IUSB is a decent option, particularly for in-state students seeking an affordable public education with reasonable career outcomes in the Northern Indiana region. It's not a 'hidden gem' that guarantees exceptionally high earnings, nor is it overpriced given its regional focus and affordability for residents. It's a solid, practical choice for students prioritizing cost-effectiveness and local career opportunities.
Return on Investment
While the tuition is affordable, the low graduation rate and below-average earnings may impact the return on investment, making it a riskier choice compared to some peer institutions.
Debt Reality Check
Median student debt at Indiana University-South Bend: $21,355. Monthly payment on a standard 10-year plan: $242/month. Total repaid: $29,040 ($7,685 in interest).
Breakeven vs high school diploma: 1.4 years. Debt burden: Manageable. Salary needed for comfortable repayment: $29,040.
Strengths
- Affordable tuition for in-state students
- Diverse student body
- Strong local job market
Weaknesses
- Below-average graduation rate
- Below-average median earnings 10 years post-graduation
- Higher tuition for out-of-state students
Academic Profile
SAT Average: 1081. ACT Midpoint: 21. Retention Rate: 65.1%.
Indiana University South Bend (IUSB) provides a robust academic environment with a strong emphasis on accessible, quality education, particularly for students in Northern Indiana. While it offers a broad range of undergraduate and graduate programs, certain areas stand out. The Ernestine M. Raclin School of Arts and Sciences is a cornerstone, offering popular majors like Psychology, English, and Biology, which often serve as strong foundations for further study or entry-level careers. The Judd Leighton School of Business and Economics is another key player, known for its practical, career-oriented programs in Accounting, Finance, and Management, preparing students for the regional job market. For those interested in healthcare, the School of Nursing and Health Professions is highly regarded, offering programs that are in high demand. IUSB also boasts a strong commitment to undergraduate research, with opportunities available through various departments and faculty mentorship, allowing students to gain hands-on experience. The faculty, while not detailed by salary here, are generally accessible, reflecting the university's commitment to a student-centered approach. The student-faculty ratio, though not explicitly provided, is typically manageable at institutions of this size, fostering closer interactions. The University Honors Program offers a challenging academic path for high-achieving students, providing enriched coursework and opportunities for independent study. Study abroad options are available through the broader IU system, allowing IUSB students to explore international experiences. Academic support is a significant focus, with resources like the Tutoring and Learning Center, the Writing Center, and academic advising services readily available to help students navigate their coursework and academic goals.
Financial Aid Guide for Indiana University-South Bend
Pell Grant recipients: 42.7%. Students taking federal loans: 34.9%.
Navigating financial aid at Indiana University South Bend (IUSB) is a practical process designed to make education accessible. As a public institution, IUSB offers a range of federal, state, and institutional aid. Merit-based aid is available, often tied to high school academic achievement (GPA and test scores, though these are not explicitly listed as admission factors here, strong academics are always beneficial). Incoming freshmen can explore scholarships offered directly by the university, which are often automatically considered upon admission or require separate applications. Need-based aid, determined by the Free Application for Federal Student Aid (FAFSA), is crucial. For students from lower-income households (e.g., under $30,000 annual income), federal Pell Grants can cover a significant portion of the in-state tuition ($8,424). For middle-income families (e.g., $50,000-$75,000), a combination of state grants (like the Indiana Commission for Higher Education grants), federal aid, and institutional scholarships might be awarded. Work-study opportunities are also available, providing part-time employment for students with demonstrated financial need, allowing them to earn money to help cover educational expenses. Typical aid packages can vary widely, but for in-state students receiving substantial need-based aid, tuition could be significantly reduced, potentially to under $5,000 annually. Out-of-state students will generally receive less institutional aid, as their primary aid will be federal and state-based, making the out-of-state tuition of $22,811 a larger hurdle. Scholarship tips include applying early, researching departmental scholarships, and looking for external scholarships. Negotiating aid at IUSB is generally not as common or as impactful as at highly selective private institutions, but if you have a significantly better offer from a comparable public university, it might be worth a polite inquiry to the financial aid office, especially if there's been a change in your family's financial circumstances.
Hidden Costs at Indiana University-South Bend
- On-campus housing at River Crossing apartments can range from $6,000 to $8,000 per academic year, depending on the room type.
- A full meal plan, if chosen by on-campus residents, can add approximately $3,000 to $4,000 per academic year.
- Textbooks and course materials can easily cost between $1,000 and $1,500 per academic year.
- Mandatory student fees, covering services like technology and student activities, typically add $800 to $1,200 annually.
- Transportation costs, including gas, insurance, or public transit passes, can add $500 to $1,500 per year, especially for commuter students.
- Parking permits for students who drive to campus can cost between $100 and $300 per academic year.
- Health insurance, if not covered by a parent's plan, can add $2,000 to $3,000 annually.
Alumni Outcomes & Career Paths
Indiana University-South Bend (IUSB) graduates enter a diverse job market, with alumni finding opportunities across various sectors. While specific major employer lists are not publicly detailed, regional economic drivers suggest strong placement in healthcare, education, manufacturing, and business services. Companies like Memorial Hospital of South Bend, Beacon Health System, and the South Bend Community School Corporation are significant local employers that likely recruit IUSB graduates, particularly in nursing, education, and administrative roles. The manufacturing sector, historically strong in the Michiana region with companies such as AM General and Lippert Components, also provides avenues for engineering technology and business graduates.
IUSB's career services are a crucial resource, offering resume workshops, career counseling, and job fairs. While specific internship pipeline data is not readily available, the university emphasizes experiential learning, suggesting partnerships with local businesses and non-profits. Graduates often leverage these experiences for full-time employment. Geographic hiring patterns show a strong tendency for alumni to remain in the Northern Indiana and Southwestern Michigan region, capitalizing on local economic opportunities. However, graduates from programs like business and computer science may also find roles in larger Midwestern hubs like Chicago or Indianapolis. Graduate school placement rates are not explicitly published, but IUSB offers pathways for students interested in advanced degrees, with many pursuing further education within the Indiana University system or at other regional universities.
Notable alumni include figures like former Indiana Governor Joe Kernan and various local business leaders and public servants, underscoring the university's role in developing regional talent. The median earnings of $44,947 ten years post-graduation suggest a solid, though not exceptionally high, return on investment, with many graduates establishing stable careers within their chosen fields.
Campus Life & Culture at Indiana University-South Bend
The student body at IUSB is diverse, with a significant portion of students being non-traditional or returning adult learners, alongside recent high school graduates. Many students are from the Northern Indiana region, commuting to campus to balance education with work and family commitments. The student who thrives here is often self-motivated, practical, and seeking a solid education to advance their career or complete a degree in a supportive, accessible environment.
Indiana University South Bend (IUSB) offers a campus experience that's deeply integrated with the vibrant city of South Bend, providing a unique blend of urban access and a more traditional college feel. As a public university, the student body is diverse, with a significant number of commuter students balancing academics with work and family responsibilities. This creates a mature and focused atmosphere, though opportunities for traditional campus social life are present and growing. The main campus, situated along the St. Joseph River, features modern facilities like the Student Activities Center (SAC), which houses recreational spaces, dining options, and student organization offices. While there isn't a sprawling residential campus with dorms dominating the landscape, the university does offer on-campus housing in the River Crossing apartments, providing a more independent living experience for students who prefer to be closer to campus activities. Dining is primarily handled through the SAC, offering convenient, albeit standard, cafeteria-style options and a campus convenience store. Student organizations are the lifeblood of extracurricular engagement, ranging from academic clubs tied to specific departments like the Judd Leighton School of Business and Economics or the Ernestine M. Raclin School of Arts and Sciences, to cultural groups, service organizations, and recreational clubs. Greek life is present but not a dominant force, offering smaller chapters that provide a sense of community for those involved. Athletics, particularly men's and women's basketball, are a point of pride, drawing student support to games. The overall 'vibe' at IUSB is one of practicality and community. It's a place for students who are serious about their education, often seeking to advance their careers or complete degrees close to home, while still valuing the camaraderie and opportunities that a university setting provides. The proximity to downtown South Bend means students can easily access internships, cultural events, and entertainment, extending the campus experience beyond its physical boundaries.
Campus Highlights
- The scenic location along the St. Joseph River, offering beautiful views and recreational opportunities.
- The robust Ernestine M. Raclin School of Arts and Sciences, providing a wide array of foundational and specialized majors.
- The Judd Leighton School of Business and Economics, known for its practical, career-focused business education.
- The School of Nursing and Health Professions, offering highly sought-after programs in a growing field.
- The University Honors Program, providing an enriched academic experience for high-achieving students.
- Proximity to downtown South Bend, offering students easy access to internships, cultural events, and urban amenities.
- The Student Activities Center (SAC) as a central hub for recreation, dining, and student life.
Location & Regional Advantages
Indiana University-South Bend's location in South Bend, Indiana, offers a unique blend of Midwestern charm and burgeoning economic activity. South Bend itself boasts a revitalized downtown area and a growing reputation as a hub for innovation and entrepreneurship, partly fueled by the presence of the University of Notre Dame. The local job market is diverse, with significant employment in healthcare (Memorial Hospital, Beacon Health), manufacturing (AM General, Lippert Components), education (South Bend Community School Corporation, Ivy Tech), and a growing tech sector. The cost of living in South Bend is notably lower than the national average, making the student debt burden more manageable and allowing graduates to stretch their earnings further.
Proximity to larger industry hubs is also an advantage. Chicago, a major metropolitan center with vast opportunities in finance, technology, and arts, is only a 90-minute drive away, providing access to a broader job market for internships and post-graduation employment. Indianapolis, the state capital, is also within a reasonable driving distance. The quality of life in South Bend is characterized by a friendly atmosphere, access to outdoor recreation along the St. Joseph River, and a vibrant arts and culture scene, including the Morris Performing Arts Center. While weather can be a factor, with cold winters and warm summers typical of the Midwest, the region is generally considered safe, with a strong sense of community. This combination of affordability, access to larger markets, and a developing local economy positions IUSB graduates favorably for both regional and broader Midwestern career paths.
How to Get Into Indiana University-South Bend
Applying to Indiana University South Bend (IUSB) is a straightforward process, reflecting its status as a public university with an open admission policy for many programs, indicated by its 83.8% acceptance rate. The admissions office primarily looks for a high school diploma or GED. While specific GPA or test score ranges aren't heavily emphasized for general admission due to the high acceptance rate, maintaining strong academic performance throughout high school is always beneficial, especially if you are applying to competitive programs or seeking scholarships. Early Action (EA) is available, allowing you to apply early and receive a decision without being contractually obligated to attend, which can be advantageous for planning purposes. There isn't a significant advantage for applying EA in terms of selectivity, but it's recommended to apply by the priority deadline (often in late fall or early winter) to maximize scholarship consideration. The admissions office values a demonstrated commitment to academic success and a clear understanding of your educational goals. Essays are generally not a primary component for general admission but may be required for specific scholarships or competitive programs; if required, focus on personal growth, overcoming challenges, or your aspirations related to your chosen field of study. Demonstrated interest is not a heavily weighted factor, but engaging with the university through campus visits (virtual or in-person), attending information sessions, or contacting the admissions office shows your commitment. The timeline recommendation is to complete your application and submit all required documents (transcripts, etc.) by the priority deadline to ensure full consideration for aid and scholarships, typically by February 1st for the following fall semester.
How Indiana University-South Bend Compares to Similar Schools
Similar schools: Purdue University Fort Wayne, Ball State University, University of Southern Indiana, Indiana State University
Advantages
- Lower cost of living in South Bend compared to some larger Indiana cities.
- Stronger regional ties to the Michiana economic area, potentially offering more localized internship and job opportunities.
- Part of the larger Indiana University system, offering brand recognition and potential for broader network access.
Disadvantages
- Lower graduation rate compared to some peers.
- Median earnings are moderate, potentially lower than graduates from more specialized or research-intensive institutions.
- Less national brand recognition compared to flagship state universities.
Best For
- Students seeking highly specialized programs or those from out-of-state looking for more affordable options may find better alternatives.
- Prospective students interested in high graduation rates and strong career outcomes may want to consider other institutions.
Avoid If
- Students who are looking for a high return on investment or those with a high tolerance for debt may want to reconsider.
- Those seeking a more diverse student body with a higher percentage of Asian students may want to explore other options.
Frequently Asked Questions about Indiana University-South Bend
How much does it cost to attend Indiana University-South Bend?
In-state tuition at Indiana University-South Bend is $8,424 per year, and out-of-state tuition is $22,811 per year. The median student debt at graduation is $21,355.
What is the acceptance rate at Indiana University-South Bend?
Indiana University-South Bend has an acceptance rate of 83.8%.
What is the graduation rate at Indiana University-South Bend?
Indiana University-South Bend has a graduation rate of 37.9%.
How much do Indiana University-South Bend graduates earn?
The median earnings for Indiana University-South Bend graduates 10 years after enrollment is $44,947. With median debt of $21,355, graduates earn roughly 2.1x their debt level annually.
How big is Indiana University-South Bend?
Indiana University-South Bend has approximately 3,933 students and is classified as a medium institution. It is located in South Bend, IN and is a Public institution.
Is Indiana University-South Bend worth the cost?
Indiana University-South Bend has an ROI score of 33 out of 100. With in-state tuition of $8,424 per year and median post-graduation earnings of $44,947, the data suggests the return on investment may be below average.
Where is Indiana University-South Bend located?
Indiana University-South Bend is located in South Bend, IN. It is a Public institution with approximately 3,933 students.
How much student debt do Indiana University-South Bend graduates have?
The median student debt for Indiana University-South Bend graduates is $21,355. With median earnings of $44,947 ten years after enrollment, graduates can expect a debt-to-income ratio of 48%.
Is Indiana University-South Bend a good college?
Indiana University-South Bend has a graduation rate of 37.9% and median post-graduation earnings of $44,947. Graduation rate of 37.86% is below the national average for public universities.
How does Indiana University-South Bend compare to similar colleges?
Median earnings 10 years post-graduation are $44,947, which is below the national average. Compared to peer institutions, Indiana University-South Bend offers more affordable tuition but has lower graduation rates and median earnings.
What career prospects do Indiana University-South Bend graduates have?
Graduates may find career opportunities in the local area, particularly in industries such as healthcare and education, given the school's location in South Bend.
What should prospective students know about Indiana University-South Bend?
The college is well-positioned in the regional market, offering a mix of academic programs and affordability, making it a good choice for students looking to save on tuition.
What makes Indiana University-South Bend stand out?
Tuition for in-state students is $8,424, while out-of-state tuition is $22,811, indicating a significant cost difference.
What are the pros and cons of attending Indiana University-South Bend?
The school has a diverse student body with a high percentage of white students and a lower percentage of Asian students.
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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.