CollegeTuitionData — College Data in Plain English

Temple University

Philadelphia, PA 19122-6096 — Public

Value Score: 85/100 | ROI Score: -31 | Affordability Score: 75/100

Tuition (In-State): $23,011 | Out-of-State: $38,958

Acceptance Rate: 80.4% | Graduation Rate: 74.9% | Retention Rate: 82.6%

Median Earnings (10yr): $63,727 | Median Debt: $24,395

Student Body Size: 20,970 (large)

Pell Grant Recipients: 32.0% | Federal Loan Rate: 53.3%

Average Faculty Salary: $12,479/month

Tuition & Affordability Analysis

In-state tuition at Temple University is $23,011 per year, which is 110% above the national average for public institutions.

Out-of-state students pay $38,958/year — a premium of $15,947 over in-state rates. Over four years, out-of-state students pay approximately $63,788 more than their in-state peers.

Estimated four-year tuition cost: $92,044 (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 Temple University:

  • Families earning $0–$30,000: $22,694/year
  • Families earning $30,001–$48,000: $23,431/year
  • Families earning $48,001–$75,000: $26,534/year
  • Families earning $75,001–$110,000: $29,397/year
  • Families earning $110,000+: $34,947/year

Low-income families receive an average discount of $317/year, paying just 99% of the sticker price.

Admissions Snapshot

Temple University has an acceptance rate of 80.4%, placing it in the Less Selective (70–85%) category. This means roughly 6,520 students apply each year.

Temple University accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.

Graduate Outcomes & Return on Investment

74.9% of students at Temple University complete their degree, 21% above the national average. This is a solid graduation rate.

First-year retention rate: 82.6% (near the national average). This indicates most students are satisfied enough to return for sophomore year.

Graduates of Temple University earn a median salary of $63,727 ten years after enrollment, 56% above the national average. This represents a $28,727/year earnings premium over the average high school diploma holder, or $861,810 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $24,395, 13% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $265/month, with a total repayment of $31,800 (including $7,405 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 Temple University pays for itself in approximately 4 years. This is an excellent return on investment.

Financial Aid Profile

32.0% of students at Temple University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 3% below the national average. This is near the national average, reflecting a typical economic diversity among the student body.

53.3% of students take federal loans, 13% above the national average. This is a moderate borrowing rate.

Average faculty salary: $12,479/month, 43% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Temple University enrolls 20,970 undergraduate students. As a major university, Temple University offers extensive resources, hundreds of student organizations, Division I athletics, and a vast alumni network.

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

Student body composition: White 40%, Hispanic 11%, Black 20%, Asian 15%.

Temple University: High Graduation Rates and Strong Earnings Potential

Report Card: Overall Grade D

Temple University receives an overall grade of D based on six dimensions:

  • Academics: C
  • Value: F
  • Outcomes: B
  • Affordability: F

College Analysis

Temple University is a Public institution in Philadelphia, PA with approximately 20,970 students. Temple University has a high graduation rate and strong earnings potential for graduates. The university offers a diverse student body with a significant Hispanic and Asian presence. Temple University provides a relatively affordable in-state tuition compared to its out-of-state tuition.

The Verdict: Is Temple University Worth It?

Based on the data, Temple University presents a mixed bag in terms of value, making it a situational investment rather than a universal 'good deal' or 'overpriced' label. With an ROI score of -31, it's clear that the financial return on investment isn't as strong as some other institutions. The median debt of $24,395 is substantial, especially when compared to the median earnings of $63,727 ten years post-graduation. While $63,727 is a respectable salary, it means a significant portion of early career earnings will be dedicated to debt repayment. For in-state students paying $23,011 annually, the value proposition is considerably stronger. The cost-to-earnings ratio is more favorable, and the debt burden, while still present, is more manageable. An in-state graduate could realistically pay off their median debt in approximately 4-5 years by dedicating 10-15% of their post-tax income. However, for out-of-state students facing $38,958 in annual tuition, the value becomes questionable. The higher cost significantly inflates the total debt, making the ROI score more understandable and the debt payoff timeline much longer, potentially 7-8+ years. Therefore, Temple University is a good deal for Pennsylvania residents who can leverage its urban location and strong regional employer connections, especially if they choose high-demand majors. For out-of-state students, it's a tougher sell; they should carefully weigh the higher cost against potential earnings and explore scholarships to mitigate debt. My definitive recommendation is: **Temple University offers solid value for in-state students, particularly those focused on career-oriented fields and leveraging the Philadelphia job market. For out-of-state students, it's an expensive proposition that requires careful financial planning and a clear career path to justify the investment.**

Return on Investment

While the degree is worth the cost for in-state students, out-of-state students may find the tuition to be a significant financial burden.

Debt Reality Check

Median student debt at Temple University: $24,395. Monthly payment on a standard 10-year plan: $277/month. Total repaid: $33,240 ($8,845 in interest).

Breakeven vs high school diploma: 0.7 years. Debt burden: Manageable. Salary needed for comfortable repayment: $33,240.

Strengths

  • High graduation rate and strong earnings potential
  • Diverse student body with a significant Hispanic and Asian presence

Weaknesses

  • Higher out-of-state tuition compared to in-state tuition
  • Moderate median debt upon graduation

Academic Profile

Retention Rate: 82.6%.

Temple University, a Carnegie R1 research institution, offers a robust academic environment with a strong emphasis on experiential learning and community engagement. Its academic strengths are diverse, with several colleges and programs consistently earning national recognition. The Fox School of Business is particularly renowned for its entrepreneurship, marketing, and finance programs, boasting state-of-the-art facilities like the Alter Hall complex. The Klein College of Media and Communication is a powerhouse for aspiring journalists, filmmakers, public relations professionals, and media scholars, leveraging its Philadelphia location for unparalleled internship and networking opportunities. The Tyler School of Art and Architecture stands out for its comprehensive programs in fine arts, graphic design, and architecture, fostering creativity and critical thinking. Other notable colleges include the Boyer College of Music and Dance, the College of Public Health, and the College of Science and Technology, which offers strong programs in Computer Science, Biology, and Chemistry. Research opportunities are abundant for undergraduates, with programs like the Diamond Research Scholars Program allowing students to work alongside faculty on cutting-edge projects. Faculty quality is high, with many professors being leaders in their fields, balancing research with dedicated teaching. The Honors Program provides an enriched academic experience for high-achieving students, featuring smaller classes, specialized seminars, and unique research opportunities, often with dedicated housing options. Temple also boasts a robust study abroad program, with its own campuses in Rome and Tokyo, offering immersive cultural and academic experiences. Academic support resources are comprehensive, including the Writing Center, Math & Science Resource Center, peer tutoring, and dedicated academic advising within each college, ensuring students have the tools to succeed.

Financial Aid Guide for Temple University

Pell Grant recipients: 32.0%. Students taking federal loans: 53.3%.

Navigating financial aid at Temple University, a large public institution, involves understanding a mix of merit-based and need-based opportunities. For in-state students, the tuition of $23,011 is competitive, but out-of-state students face a higher sticker price of $38,958, making merit aid particularly crucial for them. Temple offers a range of merit scholarships, such as the Presidential, Provost, and Dean's Scholarships, which are awarded based on academic achievement (GPA, rigor of coursework, and test scores if submitted). These can range from a few thousand dollars up to full tuition for the most competitive applicants, significantly reducing the cost of attendance, especially for out-of-state students. Need-based aid is determined by the FAFSA, and Temple participates in federal programs like Pell Grants and Federal Supplemental Educational Opportunity Grants (FSEOG) for eligible low-income students. Pennsylvania residents may also qualify for state grants through PHEAA. A typical aid package for a student with demonstrated need might include a combination of grants, federal student loans (like the Direct Subsidized and Unsubsidized Loans, contributing to the median debt of $24,395), and Federal Work-Study. Work-study provides part-time employment opportunities on campus, allowing students to earn money to cover educational expenses. To maximize scholarship opportunities, apply early, ensure your FAFSA is submitted promptly, and highlight any unique talents or achievements in your application. While negotiating aid is generally less common at large public universities than at private institutions, it's not entirely unrealistic, especially if you have a strong academic profile and competing offers from comparable schools. It's always worth a polite inquiry to the financial aid office if your circumstances change or if you believe there's been an oversight.

Hidden Costs at Temple University

  • Beyond freshman year, off-campus housing can range from $700 to $1,200 per month for rent alone, depending on location and roommates, often requiring a security deposit and utilities.
  • While meal plans are mandatory for freshmen, upperclassmen choosing to cook for themselves or eat out frequently should budget $300-$500 per month for groceries and dining.
  • Textbooks and course materials typically cost around $800-$1,200 per academic year, varying significantly by major and specific courses.
  • A SEPTA pass for unlimited rides on Philadelphia's public transit system can cost approximately $96 per month, essential for exploring the city or commuting from further off-campus.
  • Mandatory university fees, beyond tuition, can add an additional $1,000-$2,000 annually, covering technology, student activities, and health services.
  • For students bringing a car, parking permits on or near campus can be expensive, ranging from $150-$250 per month, in addition to potential parking tickets.
  • If not covered by a family plan, student health insurance through the university can cost approximately $2,500-$3,500 per year.

Alumni Outcomes & Career Paths

Temple University graduates are well-positioned within the competitive Mid-Atlantic job market, particularly in Philadelphia and the surrounding region. The university's strong ties to the city mean that major employers frequently recruit on campus. In healthcare, alumni find roles at institutions like Penn Medicine, Jefferson Health, Children's Hospital of Philadelphia (CHOP), and Main Line Health. The robust finance sector in Philadelphia and nearby suburbs attracts Temple graduates to firms such as Vanguard, PNC Bank, and SEI Investments. For those in media and communications, opportunities abound at Comcast, NBCUniversal, Entercom (now Audacy), and various local news outlets and marketing agencies. The growing tech scene sees alumni at companies like URBN (Urban Outfitters, Anthropologie), various startups in the University City innovation district, and IT departments across industries. Education and government are also significant sectors, with graduates working for the School District of Philadelphia, city government, and state agencies.

Industries where Temple alumni cluster include healthcare, finance, media & communications, education, public service, and technology. The university's career services, housed within the Career Center, offer extensive resources including resume reviews, mock interviews, career fairs (often featuring hundreds of employers), and access to Handshake for job and internship postings. Temple boasts strong internship pipelines, leveraging its urban location to connect students with experiential learning opportunities at local businesses, non-profits, and government offices. Many academic programs, especially in the Fox School of Business and Klein College of Media and Communication, integrate internships directly into their curricula. Geographically, the vast majority of Temple graduates initially secure employment in the Philadelphia metropolitan area, followed by other major East Coast cities like New York City and Washington D.C. A smaller percentage pursue opportunities nationally. Approximately 20-25% of graduates continue their education, enrolling in law school, medical school, MBA programs, or other advanced degrees at institutions across the country. Notable alumni like Kevin Hart (comedian/actor), Diplo (DJ/producer), and Bob Saget (actor/comedian) showcase the diverse paths Temple graduates can take, though many more excel in less public-facing, yet equally impactful, professional careers.

Campus Life & Culture at Temple University

Temple University attracts a diverse student body, with a significant portion hailing from Pennsylvania and surrounding Mid-Atlantic states like New Jersey and New York, alongside a growing international presence. Students who thrive here are typically independent, adaptable, and possess a self-starter mentality, eager to embrace the opportunities and challenges of an urban environment. They are often community-minded individuals who appreciate a hands-on approach to learning and are comfortable navigating a large, bustling campus that feels like a city within a city.

Life at Temple University is a dynamic, urban experience, deeply intertwined with the vibrant energy of North Philadelphia. The 'city as your campus' isn't just a slogan; it's how many Temple students genuinely experience their college years. The general vibe is one of independence, grit, and a strong sense of community within the campus boundaries, which act as a distinct hub in the city. Socially, Temple offers a diverse array of options. On-campus, the Howard Gittis Student Center is a central gathering spot, hosting events, performances, and providing study spaces. With over 300 student organizations, from academic clubs to cultural associations and special interest groups, there's truly something for everyone. Greek life is active and visible, with a significant percentage of students participating in fraternities and sororities, contributing to a lively social calendar and community service initiatives. Housing for freshmen is guaranteed, with popular options like 1940 Residence Hall, Morgan Hall, and Johnson & Hardwick offering modern amenities and a traditional dorm experience. After freshman year, many students transition to off-campus apartments in the surrounding neighborhoods, fostering a more independent lifestyle while remaining close to campus. Dining options are plentiful, ranging from traditional dining halls like Morgan Hall Dining and Johnson & Hardwick to numerous on-campus eateries, cafes, and a beloved array of food trucks that line the campus streets, offering diverse and affordable cuisine. Athletics are a major part of the Temple spirit, with the Owls competing in NCAA Division I as part of the American Athletic Conference. Basketball games at The Liacouras Center and football games at Lincoln Financial Field are major social events, drawing large crowds and fostering strong 'Cherry and White' pride. Traditions like Temple Fest, a large annual concert and carnival, and Homecoming week bring the community together. The campus itself is a blend of historic buildings and modern architecture, with green spaces like Beury Beach providing spots for relaxation amidst the urban bustle. Students here are often self-starters who appreciate the opportunities and challenges of city living.

Campus Highlights

  • Its truly urban campus, seamlessly integrated into North Philadelphia, offering unparalleled access to city life, internships, and cultural experiences.
  • The Charles Library, a stunning, modern architectural marvel that serves as a central hub for learning, collaboration, and technology.
  • A vibrant NCAA Division I athletics program, particularly strong in basketball and football, fostering immense school spirit and community engagement.
  • The extensive global presence through its own campuses in Rome and Tokyo, providing unique and immersive study abroad opportunities.
  • The diverse and highly-ranked academic programs, especially within the Fox School of Business, Klein College of Media and Communication, and Tyler School of Art and Architecture.
  • A dynamic and active student life, supported by over 300 student organizations and a prominent Greek life scene.
  • The 'food truck culture' on campus, offering a wide array of affordable and diverse culinary options right outside academic buildings.

Location & Regional Advantages

Temple University's location in Philadelphia, PA, offers a distinct set of advantages and challenges that significantly impact career outcomes. Philadelphia is a major East Coast economic hub, boasting a diverse and robust local job market. It's particularly strong in healthcare (a 'meds and eds' city), life sciences, finance, education, and technology. This proximity means Temple students have direct access to a wealth of internship and entry-level job opportunities without needing to relocate immediately after graduation. Major employers like Comcast, Penn Medicine, Jefferson Health, Vanguard, and numerous biotech firms are within easy commuting distance, fostering strong recruitment pipelines.

While Philadelphia's cost of living is higher than many smaller cities, it remains significantly more affordable than New York City or Boston, making it an attractive option for recent graduates. Housing, transportation, and general expenses are manageable, allowing graduates to stretch their entry-level salaries further. The city itself is a vibrant cultural center, rich in history, arts, and a renowned food scene, contributing to a high quality of life. Temple's campus in North Philadelphia provides an authentic urban experience, though students must be mindful of city safety concerns, which the university addresses with extensive campus police and security measures.

Philadelphia's strategic location also places it within a short train ride of other major industry hubs like New York City and Washington D.C., expanding networking and career prospects for ambitious graduates. The weather features four distinct seasons, from hot, humid summers to cold, snowy winters. Ultimately, Temple's urban setting is a double-edged sword: it provides unparalleled access to career opportunities and a dynamic student experience, but requires students to be proactive in navigating a large city environment. For those who embrace it, the city becomes an extension of their classroom and a direct pathway to professional success.

How to Get Into Temple University

Gaining admission to Temple University, with an 80.4% admission rate, means the admissions office is looking for students who are a good fit and genuinely interested in the Temple experience. Early Action (EA) is highly recommended; applying by the November 1st deadline demonstrates strong interest and provides an earlier decision, which can be a significant advantage. Temple does not offer Early Decision. The admissions committee values a strong academic record, evidenced by a solid GPA (typically a B average or higher in a rigorous curriculum) and challenging coursework. While Temple is test-optional, submitting strong SAT or ACT scores can bolster an application, especially if your GPA is on the lower end of their accepted range. If you choose not to submit scores, your essay, extracurricular activities, and letters of recommendation become even more critical. The essay is your opportunity to showcase your personality, writing skills, and how your experiences align with Temple's urban mission or specific academic programs. Authentic essays that reflect your unique voice and demonstrate a clear interest in Temple are most effective. Demonstrated interest, beyond applying EA, can include visiting campus (virtually or in person), attending information sessions, or engaging with admissions representatives. This signals to Temple that you are serious about attending. For the best consideration for both admission and merit scholarships, aim to complete your application well before the Regular Decision deadline of February 1st. Focus on presenting a holistic profile that highlights your academic preparedness, personal qualities, and enthusiasm for becoming an 'Owl' in the heart of Philadelphia.

How Temple University Compares to Similar Schools

Similar schools: Rutgers University - New Brunswick, University of Pittsburgh, University of Maryland - College Park, Drexel University

Advantages

  • Unparalleled urban immersion and direct access to Philadelphia's diverse job market and cultural scene.
  • Strong programs in specific fields like Media & Communication (Klein College) and Business (Fox School), with a practical, career-focused approach.
  • More accessible admission rate (80.4%) compared to some flagship public universities, offering a pathway to a major city education.
  • Diverse student body and a vibrant, active campus life within a major metropolitan area.

Disadvantages

  • Lower national prestige and brand recognition compared to some flagship public universities like UMD or Rutgers.
  • The urban campus environment in North Philadelphia can present safety concerns and a less traditional 'college town' feel.
  • A negative ROI score (-31) suggests a less favorable financial return on investment compared to some peers, especially for out-of-state tuition.

Best For

  • Temple University is best for students who prioritize affordability and a diverse academic environment.
  • It is ideal for students who are interested in urban living and have a strong connection to the Philadelphia area.

Avoid If

  • Students who prefer a smaller campus or a more rural setting may find Temple University less suitable.
  • Those seeking a highly selective admissions process may find Temple's admission rate too high.

Frequently Asked Questions about Temple University

How much does it cost to attend Temple University?

In-state tuition at Temple University is $23,011 per year, and out-of-state tuition is $38,958 per year. The median student debt at graduation is $24,395.

What is the acceptance rate at Temple University?

Temple University has an acceptance rate of 80.4%.

What is the graduation rate at Temple University?

Temple University has a graduation rate of 74.9%.

How much do Temple University graduates earn?

The median earnings for Temple University graduates 10 years after enrollment is $63,727. With median debt of $24,395, graduates earn roughly 2.6x their debt level annually.

How big is Temple University?

Temple University has approximately 20,970 students and is classified as a large institution. It is located in Philadelphia, PA and is a Public institution.

Is Temple University worth the cost?

Temple University has an ROI score of -31 out of 100. With in-state tuition of $23,011 per year and median post-graduation earnings of $63,727, the data suggests the return on investment may be below average.

Where is Temple University located?

Temple University is located in Philadelphia, PA. It is a Public institution with approximately 20,970 students.

How much student debt do Temple University graduates have?

The median student debt for Temple University graduates is $24,395. With median earnings of $63,727 ten years after enrollment, graduates can expect a debt-to-income ratio of 38%.

Is Temple University a good college?

Temple University has a graduation rate of 74.9% and median post-graduation earnings of $63,727. Temple University has a diverse student body with a notable Hispanic and Asian population.

How does Temple University compare to similar colleges?

The university's in-state tuition is lower than its out-of-state tuition, making it more accessible to residents of Pennsylvania. Compared to peer institutions, Temple University offers a more affordable in-state tuition and a diverse student body, but its out-of-state tuition is higher.

What career prospects do Temple University graduates have?

Graduates of Temple University are well-positioned for careers in a variety of fields, with strong earning potential and a high likelihood of employment.

What should prospective students know about Temple University?

Temple University holds a strategic position in the Philadelphia area, offering a mix of urban amenities and academic resources.

What makes Temple University stand out?

Temple University has a high median earnings rate for graduates after 10 years, indicating strong career prospects.

What are the pros and cons of attending Temple University?

The university's median debt upon graduation is relatively low, suggesting a manageable financial burden.

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