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Rutgers University-Camden

Camden, NJ 08102 — Public

Value Score: 85/100 | ROI Score: 5 | Affordability Score: 90/100

Tuition (In-State): $17,764 | Out-of-State: $37,276

Acceptance Rate: 66.3% | Graduation Rate: 66.6% | Retention Rate: 80.0%

Median Earnings (10yr): $74,479 | Median Debt: $21,500

SAT Average: 1178 | ACT Midpoint: 21

Student Body Size: 3,753 (medium)

Pell Grant Recipients: 47.7% | Federal Loan Rate: 47.0%

Average Faculty Salary: $14,127/month

Tuition & Affordability Analysis

In-state tuition at Rutgers University-Camden is $17,764 per year, which is 62% above the national average for public institutions.

Out-of-state students pay $37,276/year — a premium of $19,512 over in-state rates. Over four years, out-of-state students pay approximately $78,048 more than their in-state peers.

Estimated four-year tuition cost: $71,056 (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 Rutgers University-Camden:

  • Families earning $0–$30,000: $13,797/year
  • Families earning $30,001–$48,000: $14,357/year
  • Families earning $48,001–$75,000: $16,184/year
  • Families earning $75,001–$110,000: $20,475/year
  • Families earning $110,000+: $30,639/year

Low-income families receive an average discount of $3,967/year, paying just 78% of the sticker price.

Admissions Snapshot

Rutgers University-Camden has an acceptance rate of 66.3%, placing it in the Moderately Selective (50–70%) category. This means roughly 1,415 students apply each year.

The average SAT score of admitted students is 1178, 11% above the national average. This is within the mid-range nationally.

The ACT midpoint is 21, near the national average.

Graduate Outcomes & Return on Investment

66.6% of students at Rutgers University-Camden complete their degree, 7% above the national average. This is a solid graduation rate.

First-year retention rate: 80.0% (near the national average). This indicates most students are satisfied enough to return for sophomore year.

Graduates of Rutgers University-Camden earn a median salary of $74,479 ten years after enrollment, 82% above the national average. This represents a $39,479/year earnings premium over the average high school diploma holder, or $1,184,370 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $21,500, near the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $233/month, with a total repayment of $27,960 (including $6,460 in interest).

Debt-to-Earnings Ratio: 0.29x. 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 Rutgers University-Camden pays for itself in approximately 2 years. This is an excellent return on investment.

Financial Aid Profile

47.7% of students at Rutgers University-Camden receive Pell Grants (federal need-based aid for families earning under ~$60,000), 45% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

47.0% of students take federal loans, near the national average. This is a moderate borrowing rate.

Average faculty salary: $14,127/month, 62% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Rutgers University-Camden enrolls 3,753 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 76/100 (higher = more diverse). Rutgers University-Camden has a highly diverse student body with strong representation across multiple racial and ethnic groups.

Student body composition: White 36%, Hispanic 24%, Black 19%, Asian 13%.

Rutgers University-Camden: Strong Academic Outcomes and High Earnings Potential

Report Card: Overall Grade C

Rutgers University-Camden receives an overall grade of C based on six dimensions:

  • Academics: C
  • Value: C-
  • Outcomes: B+
  • Affordability: D

College Analysis

Rutgers University-Camden is a Public institution in Camden, NJ with approximately 3,753 students. Rutgers University-Camden has a strong graduation rate and median earnings, indicating good academic and career outcomes. The university offers a diverse student body, with significant representation from Hispanic and Asian students. While the tuition is higher for out-of-state students, the affordability score is quite high, making it relatively accessible for in-state students. The median earnings 10 years after graduation are above the national average, suggesting a good return on investment.

The Verdict: Is Rutgers University-Camden Worth It?

Rutgers University-Camden represents a compelling value proposition, particularly for in-state students, making it a definitive 'good deal.' With an in-state tuition of $17,764 and a median 10-year earnings of $74,479, the return on investment is strong. For New Jersey residents, the annual tuition is less than a quarter of the median annual earnings, allowing for a relatively quick recoup of educational costs. Even for out-of-state students, with tuition at $37,276, the median earnings still provide a solid foundation for career growth and financial stability. The median debt for graduates is $21,500. With median earnings of $74,479, a graduate could realistically pay off this debt in approximately 2-3 years by dedicating a reasonable portion of their post-tax income to loan repayment, assuming a standard interest rate and living expenses. This rapid debt payoff timeline, combined with the robust median earnings, underscores the financial prudence of choosing Rutgers-Camden. The ROI Score of 5 further reinforces its standing as a financially sound investment in higher education. In conclusion, Rutgers University-Camden is unequivocally a good deal. It offers the prestige and academic rigor of the Rutgers system at a competitive price point, especially for New Jersey residents, leading to strong career outcomes and manageable debt. It's a smart choice for students seeking a high-quality education with a clear path to professional success in the Mid-Atlantic region.

Return on Investment

Despite the higher tuition for out-of-state students, the strong academic outcomes and high earnings potential make the degree worth the cost for many students.

Debt Reality Check

Median student debt at Rutgers University-Camden: $21,500. Monthly payment on a standard 10-year plan: $244/month. Total repaid: $29,280 ($7,780 in interest).

Breakeven vs high school diploma: 0.5 years. Debt burden: Low. Salary needed for comfortable repayment: $29,280.

Strengths

  • Strong academic outcomes and career readiness
  • Highly affordable for in-state students
  • Diverse student body

Weaknesses

  • Higher tuition for out-of-state students
  • Moderate admission rate compared to some peer institutions

Academic Profile

SAT Average: 1178. ACT Midpoint: 21. Retention Rate: 80.0%.

Rutgers University-Camden leverages its urban location and status within the prestigious Rutgers system to offer a robust academic experience with a practical, career-focused edge. The academic strengths are particularly pronounced in professional fields and the liberal arts, with a strong emphasis on experiential learning and community engagement. The School of Business is highly regarded, offering popular majors like Finance, Marketing, and Management, often incorporating real-world projects and internships with local businesses and Philadelphia-based corporations. The School of Nursing is another flagship program, benefiting from its proximity and partnerships with leading medical institutions like Cooper University Hospital, providing unparalleled clinical opportunities for students.

The College of Arts and Sciences offers a wide array of majors, with particular strength in areas such as Biology, Psychology, Criminal Justice, and Political Science. Many programs emphasize interdisciplinary approaches, allowing students to tailor their education to specific interests. Undergraduate research is a significant component of the academic experience, with faculty actively involving students in their projects across various disciplines. The smaller student body (3,753 students) compared to other Rutgers campuses often translates to more personalized attention from faculty, fostering strong mentor-mentee relationships that are crucial for research and career development.

For high-achieving students, the Honors College provides an enriched curriculum, specialized seminars, and opportunities for advanced research and community service. Rutgers-Camden also offers numerous study abroad programs, both through its own initiatives and the broader Rutgers system, allowing students to gain global perspectives. Academic support is comprehensive, including a Writing Center, Math & Science Learning Center, peer tutoring, and dedicated academic advising to ensure students have the resources needed to succeed. The faculty, many of whom are active researchers and practitioners in their fields, are committed to teaching and student success, providing a high-quality education that prepares graduates for diverse career paths and further education.

Financial Aid Guide for Rutgers University-Camden

Pell Grant recipients: 47.7%. Students taking federal loans: 47.0%.

Navigating financial aid at Rutgers University-Camden is a critical step, and understanding the process can significantly reduce your out-of-pocket costs. As a public university, Rutgers-Camden is generally more affordable than private institutions, especially for New Jersey residents. The cornerstone of financial aid here is the Free Application for Federal Student Aid (FAFSA), which determines eligibility for federal grants (like the Pell Grant), state grants (such as the New Jersey Tuition Aid Grant - NJ TAG), federal loans, and work-study programs. It's imperative to complete the FAFSA as early as possible after October 1st each year.

Rutgers-Camden offers a range of institutional merit-based scholarships, primarily awarded to incoming freshmen and transfer students with strong academic records (high GPAs, rigorous coursework). While specific SAT/ACT scores are not always required for admission, strong scores can enhance a scholarship application. These merit scholarships can range from a few thousand dollars up to significant portions of tuition, though full-ride scholarships are highly competitive. For example, a student with a strong GPA might receive a Rutgers-Camden Merit Scholarship of $3,000-$8,000 annually. There are also departmental scholarships available for students in specific majors, often requiring separate applications.

Need-based aid packages typically combine grants, scholarships, and federal loans. For an in-state student with a family income of $50,000-$80,000, a typical aid package might include a Pell Grant (up to ~$7,395), an NJ TAG (up to $13,000), and federal subsidized loans ($5,500), potentially covering a substantial portion of the $17,764 in-state tuition. Out-of-state students, facing $37,276 tuition, will rely more heavily on federal aid and institutional merit scholarships, as state grants are generally not available to them. Work-study opportunities, allowing students to earn money through part-time campus jobs, are also part of many need-based packages.

Scholarship tips include applying early, thoroughly researching all available institutional and departmental scholarships, and seeking external scholarships from local organizations and national foundations. While negotiating aid packages is less common at large public universities, it's not entirely impossible. If you receive a more generous offer from a comparable institution, you can contact the financial aid office with that information, demonstrating your continued interest in Rutgers-Camden and explaining any changes in your financial situation. However, success is not guaranteed and often depends on the specific circumstances and available funds.

Hidden Costs at Rutgers University-Camden

  • On-campus housing can add an estimated $10,000 - $15,000 per year, depending on the residence hall and room type, significantly increasing the overall cost for residential students.
  • A mandatory meal plan for residential students typically costs between $4,000 - $5,500 annually, covering dining hall access and declining balance funds.
  • Textbooks and course materials are an often-underestimated expense, averaging around $1,200 - $1,500 per year, varying by major and course load.
  • Transportation costs, especially for commuters, can include PATCO fares (approx. $500-$1,000/year for regular Philly trips) or parking permits (around $400-$600/year for campus lots).
  • Mandatory university fees, beyond tuition, can add an additional $2,000 - $3,000 annually, covering technology, student activities, and health services.
  • Health insurance is required; if you're not covered by a family plan, the university's student health insurance plan can cost approximately $2,500 - $3,500 per year.
  • Personal expenses, including toiletries, entertainment, and incidentals, can easily amount to $2,000 - $3,000 annually, especially with easy access to Philadelphia's attractions.

Alumni Outcomes & Career Paths

Rutgers University-Camden positions its graduates effectively within the robust Mid-Atlantic job market, leveraging the powerful Rutgers brand and its strategic location. Alumni frequently cluster in key regional industries, particularly healthcare, education, government, and financial services, with a growing presence in technology and non-profit sectors. Major employers actively recruiting from Rutgers-Camden include prominent healthcare systems like Cooper University Health Care (located directly adjacent to campus), Jefferson Health, Penn Medicine, and Virtua Health. In the financial sector, graduates find roles at institutions such as Vanguard, TD Bank, and various regional credit unions and investment firms. The strong public administration and education programs lead to placements in local and state government agencies across New Jersey and Pennsylvania, as well as school districts throughout South Jersey and the greater Philadelphia area.

The university's Career Center plays a vital role, offering extensive resources from resume workshops and interview coaching to career fairs and networking events. They actively cultivate relationships with regional employers, facilitating internship pipelines that often convert into full-time employment. For instance, students in the School of Business frequently secure internships with firms in Philadelphia's financial district or with regional accounting firms like Deloitte and PwC's local offices. Nursing students benefit from clinical rotations and internships within the aforementioned healthcare systems, providing invaluable hands-on experience and direct pathways to employment. Similarly, students in the College of Arts and Sciences find opportunities in research labs, non-profits, and government offices.

Geographically, the vast majority of Rutgers-Camden graduates remain in the tri-state area, with a significant concentration in Southern New Jersey and the Philadelphia metropolitan area. This regional focus is a direct result of the strong local economy and the university's deep community ties. While specific graduate school placement rates vary by program, Rutgers-Camden serves as a strong feeder for advanced degrees, particularly within the Rutgers system itself (e.g., Rutgers Law School, Rutgers School of Public Health) and other regional institutions like Temple University, Drexel University, and the University of Pennsylvania. Notable alumni often include leaders in local government, successful entrepreneurs, and prominent figures in regional healthcare and education, underscoring the university's impact on the community and beyond.

Campus Life & Culture at Rutgers University-Camden

Rutgers University-Camden attracts a diverse student body, with a significant percentage of first-generation college students and those from underrepresented backgrounds, primarily from New Jersey and the greater Philadelphia metropolitan area. The campus thrives with students who are independent, community-minded, and seeking a high-value education in an urban setting. The ideal student here is often one who is eager for hands-on learning, appreciates cultural diversity, and is motivated to make a tangible impact through civic engagement and career-focused studies.

Rutgers University-Camden offers a distinctive urban campus experience, blending the resources of a major public university with a tight-knit community feel. The 'vibe' here is one of resilience, community engagement, and practical ambition. While historically a commuter campus, residential life has significantly grown, with options like University Towers and the Cooper Street Apartments providing modern living spaces for over 1,000 students. This growth has fostered a more vibrant on-campus social scene, though many students still leverage the campus's prime location for off-campus activities.

The social scene is less about traditional 'quad culture' and more about organized events, student organizations, and leveraging the surrounding cities. The Campus Center is the hub for student life, hosting events, housing dining options, and providing spaces for student groups. With over 100 student organizations, ranging from academic and cultural clubs to service and special interest groups, there's ample opportunity to get involved. Greek life is present but not dominant, with a smaller number of fraternities and sororities offering another avenue for community and leadership.

Dining on campus includes options in the Campus Center, offering a variety of meal plans. However, many students also explore local eateries in Camden or take the PATCO train (a quick 10-15 minute ride) across the river to Philadelphia, which boasts an endless array of restaurants, cultural attractions, and entertainment venues. This easy access to Philly is a major draw, allowing students to experience big-city life without the direct cost of living there.

Athletics at Rutgers-Camden are NCAA Division III, with the Scarlet Raptors competing in the New Jersey Athletic Conference. While not a 'football school,' the athletic programs foster strong team spirit and provide opportunities for student-athletes to excel both academically and athletically. Known traditions include 'Welcome Week' activities, various cultural festivals, and events focused on community service within Camden. The campus itself is a blend of historic buildings and modern facilities, situated along the scenic Camden waterfront, offering unique views and proximity to attractions like the Adventure Aquarium and the Battleship New Jersey. The overall culture emphasizes hands-on learning, civic responsibility, and a supportive environment for students navigating an urban academic journey.

Campus Highlights

  • Direct access to Philadelphia via the PATCO train, offering students a vibrant urban extension to their campus experience for culture, entertainment, and internships.
  • A scenic waterfront campus location along the Delaware River, providing unique views and proximity to attractions like the Adventure Aquarium and Battleship New Jersey.
  • Strong emphasis on civic engagement and community service, deeply integrated into academic programs and student life, fostering a sense of purpose and impact in the city of Camden.
  • A growing residential campus with modern housing options, transforming the student experience from primarily commuter-focused to a more traditional, vibrant campus community.
  • NCAA Division III athletics, offering a supportive environment for student-athletes to compete and build camaraderie without the intense pressures of Division I sports.
  • A diverse and inclusive student body that reflects the rich tapestry of New Jersey and the surrounding region, fostering a welcoming and enriching environment for all.
  • The benefits of being part of the larger Rutgers University system, providing access to extensive resources, a respected academic reputation, and a vast alumni network, while maintaining a personalized, smaller campus feel.

Location & Regional Advantages

Rutgers University-Camden's location offers a unique blend of urban revitalization and direct access to a major metropolitan hub, providing significant geographic advantages for career opportunities. Situated in Camden, NJ, the campus is literally minutes away from downtown Philadelphia, a vibrant economic engine for the Mid-Atlantic region. This proximity means students have unparalleled access to Philadelphia's diverse job market, which boasts strong sectors in healthcare (e.g., University of Pennsylvania Health System, Jefferson Health), finance (e.g., Vanguard, Comcast), technology, education, and pharmaceuticals. Many students commute across the Ben Franklin Bridge for internships and post-graduation employment, effectively expanding their career landscape beyond just South Jersey.

The local Camden job market itself is experiencing growth, particularly in healthcare and education, anchored by institutions like Cooper University Health Care and the Camden City School District. The university's presence is a key driver of this revitalization, creating a symbiotic relationship where students contribute to and benefit from local development. The cost of living in Camden and many surrounding South Jersey towns is generally more affordable than in Philadelphia or its affluent suburbs, making it an attractive option for students and recent graduates looking to minimize expenses while still accessing big-city amenities and job prospects.

While Camden's historical reputation for safety has been a concern, significant investments in campus security and community development have transformed the immediate university district into a much safer and more vibrant area. The campus itself is well-patrolled and integrated into the city's ongoing renewal. Weather patterns are typical for the Mid-Atlantic, with four distinct seasons, including hot summers and cold winters. This location directly impacts career opportunities by providing a vast network of employers within a short commute, fostering strong regional alumni connections, and offering a more affordable entry point into a high-opportunity region compared to living directly in a major city. The strategic placement allows students to leverage both the local Camden growth and the expansive Philadelphia market.

How to Get Into Rutgers University-Camden

Gaining admission to Rutgers University-Camden, with an admission rate of 66.3%, requires a thoughtful and strategic approach, though it's generally more accessible than its New Brunswick counterpart. The admissions office conducts a holistic review, but academic performance, particularly your high school GPA and the rigor of your coursework, remains the most critical factor. While test scores (SAT/ACT) are currently optional, submitting strong scores can bolster your application, especially if your GPA is borderline or you're aiming for competitive merit scholarships.

Early Action (EA) is highly recommended for Rutgers-Camden. Applying by the early November deadline demonstrates strong interest and provides the advantage of receiving an admission decision much sooner, typically by late January. This allows you to plan your college finances and housing earlier. While there isn't a binding Early Decision option, EA signals your enthusiasm and can be beneficial in a competitive pool.

The admissions committee values students who show a genuine interest in Rutgers-Camden's unique urban environment and its commitment to community engagement. In your application essay (typically through the Common Application), focus on personal growth, how your experiences align with the university's mission, or how you envision contributing to the campus and local community. Specific essay topics that work well often highlight resilience, a desire for hands-on learning, or an appreciation for diversity and urban living. Avoid generic essays that could apply to any school.

Demonstrated interest, beyond applying EA, can include visiting campus (virtually or in person), attending information sessions, or engaging with admissions counselors. While not a make-or-break factor, it can be a tie-breaker for students with similar academic profiles. Aim for a GPA of 3.0 or higher on a 4.0 scale for a strong chance of admission, with competitive applicants often having GPAs in the 3.4-3.8 range. For those submitting test scores, an SAT score in the 1100-1250 range or an ACT composite of 23-28 would be considered competitive. Ensure all application materials, including transcripts and letters of recommendation, are submitted well before the final deadlines.

How Rutgers University-Camden Compares to Similar Schools

Similar schools: Rowan University, Montclair State University, Stockton University, University of Delaware

Advantages

  • Stronger brand recognition and alumni network due to the overarching Rutgers University system.
  • Direct proximity and easy access to the major metropolitan job market of Philadelphia.
  • More diverse urban campus environment compared to more suburban or rural peers.
  • Access to a wider range of graduate programs and research opportunities within the broader Rutgers system.

Disadvantages

  • Camden's urban setting and historical reputation can be a deterrent for some students seeking a traditional 'college town' experience.
  • Smaller campus size and student body compared to the flagship Rutgers-New Brunswick, potentially offering fewer large-scale social events or athletic traditions.
  • Less residential campus feel than some peers, with a significant commuter population.

Best For

  • Prospective students who prioritize hands-on research opportunities may find more specialized programs at larger research universities.
  • Students seeking a highly selective institution with a lower admission rate may prefer more competitive schools.

Avoid If

  • Students looking for a highly selective institution with a lower admission rate may find Rutgers University-Camden less competitive.
  • Prospective students who need a more affordable option with lower tuition costs may find other public institutions more suitable.

Frequently Asked Questions about Rutgers University-Camden

How much does it cost to attend Rutgers University-Camden?

In-state tuition at Rutgers University-Camden is $17,764 per year, and out-of-state tuition is $37,276 per year. The median student debt at graduation is $21,500.

What is the acceptance rate at Rutgers University-Camden?

Rutgers University-Camden has an acceptance rate of 66.3%.

What is the graduation rate at Rutgers University-Camden?

Rutgers University-Camden has a graduation rate of 66.6%.

How much do Rutgers University-Camden graduates earn?

The median earnings for Rutgers University-Camden graduates 10 years after enrollment is $74,479. With median debt of $21,500, graduates earn roughly 3.5x their debt level annually.

How big is Rutgers University-Camden?

Rutgers University-Camden has approximately 3,753 students and is classified as a medium institution. It is located in Camden, NJ and is a Public institution.

Is Rutgers University-Camden worth the cost?

Rutgers University-Camden has an ROI score of 5 out of 100. With in-state tuition of $17,764 per year and median post-graduation earnings of $74,479, the data suggests the return on investment may be below average.

Where is Rutgers University-Camden located?

Rutgers University-Camden is located in Camden, NJ. It is a Public institution with approximately 3,753 students.

How much student debt do Rutgers University-Camden graduates have?

The median student debt for Rutgers University-Camden graduates is $21,500. With median earnings of $74,479 ten years after enrollment, graduates can expect a debt-to-income ratio of 29%.

Is Rutgers University-Camden a good college?

Rutgers University-Camden has a graduation rate of 66.6% and median post-graduation earnings of $74,479. High graduation rate of 66.56%

How does Rutgers University-Camden compare to similar colleges?

Median earnings 10 years after graduation of $74,479 Compared to peer institutions, Rutgers University-Camden offers a strong combination of academic success and career outcomes, with a high graduation rate and median earnings above the national average.

What career prospects do Rutgers University-Camden graduates have?

Graduates from Rutgers University-Camden are well-positioned for successful careers with strong earning potential.

What should prospective students know about Rutgers University-Camden?

Rutgers University-Camden holds a competitive position in the market, offering a balance of academic rigor and affordability.

What makes Rutgers University-Camden stand out?

Affordability score of 90, making it relatively affordable for in-state students

What are the pros and cons of attending Rutgers University-Camden?

Diverse student body with significant Hispanic and Asian representation

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.