University of Massachusetts-Lowell
Lowell, MA 01854 — Public
Value Score: 85/100 | ROI Score: -4 | Affordability Score: 90/100
Tuition (In-State): $16,966 | Out-of-State: $36,264
Acceptance Rate: 83.0% | Graduation Rate: 67.4% | Retention Rate: 84.0%
Median Earnings (10yr): $64,874 | Median Debt: $23,704
SAT Average: 1285 | ACT Midpoint: 29
Student Body Size: 11,434 (large)
Pell Grant Recipients: 30.0% | Federal Loan Rate: 53.0%
Average Faculty Salary: $14,275/month
Tuition & Affordability Analysis
In-state tuition at University of Massachusetts-Lowell is $16,966 per year, which is 55% above the national average for public institutions.
Out-of-state students pay $36,264/year — a premium of $19,298 over in-state rates. Over four years, out-of-state students pay approximately $77,192 more than their in-state peers.
Estimated four-year tuition cost: $67,864 (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 University of Massachusetts-Lowell:
- Families earning $0–$30,000: $9,943/year
- Families earning $30,001–$48,000: $10,199/year
- Families earning $48,001–$75,000: $12,141/year
- Families earning $75,001–$110,000: $16,460/year
- Families earning $110,000+: $26,139/year
Low-income families receive an average discount of $7,023/year, paying just 59% of the sticker price.
Admissions Snapshot
University of Massachusetts-Lowell has an acceptance rate of 83.0%, placing it in the Less Selective (70–85%) category. This means roughly 3,442 students apply each year.
University of Massachusetts-Lowell 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 1285, 21% above the national average. This reflects a strong academic student body.
The ACT midpoint is 29, 38% above the national average.
Graduate Outcomes & Return on Investment
67.4% of students at University of Massachusetts-Lowell complete their degree, 9% above the national average. This is a solid graduation rate.
First-year retention rate: 84.0% (4% above the national average). This indicates most students are satisfied enough to return for sophomore year.
Graduates of University of Massachusetts-Lowell earn a median salary of $64,874 ten years after enrollment, 59% above the national average. This represents a $29,874/year earnings premium over the average high school diploma holder, or $896,220 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $23,704, 10% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $257/month, with a total repayment of $30,840 (including $7,136 in interest).
Debt-to-Earnings Ratio: 0.37x. 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 University of Massachusetts-Lowell pays for itself in approximately 3 years. This is an excellent return on investment.
Financial Aid Profile
30.0% of students at University of Massachusetts-Lowell receive Pell Grants (federal need-based aid for families earning under ~$60,000), 9% below the national average. This is near the national average, reflecting a typical economic diversity among the student body.
53.0% of students take federal loans, 13% above the national average. This is a moderate borrowing rate.
Average faculty salary: $14,275/month, 64% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
University of Massachusetts-Lowell enrolls 11,434 undergraduate students. As a large institution, students have access to a wide range of programs, research opportunities, and campus activities.
Diversity Index: 70/100 (higher = more diverse). University of Massachusetts-Lowell has a highly diverse student body with strong representation across multiple racial and ethnic groups.
Student body composition: White 49%, Hispanic 17%, Black 10%, Asian 14%.
University of Massachusetts-Lowell: A Cost-Effective Public Institution with Strong Academic Focus and Competitive Outcomes
- UMass-Lowell: Your Launchpad to Boston's Tech Boom Without the Boston Price Tag
- Beyond the Degree: UMass-Lowell Graduates Land High-Paying Tech & Engineering Jobs
- Affordable Innovation: Experience a Thriving Campus Culture and Strong Career Outcomes at UMass-Lowell
Report Card: Overall Grade D+
University of Massachusetts-Lowell receives an overall grade of D+ based on six dimensions:
- Academics: D+
- Value: D
- Outcomes: B
- Affordability: D
College Analysis
University of Massachusetts-Lowell is a Public institution in Lowell, MA with approximately 11,434 students. Academics: Strong focus on engineering and technology with a high graduation rate. Value: High affordability score and low median debt, making it a cost-effective choice. Outcomes: Graduates earn a competitive median salary of $64,874 after 10 years.
The Verdict: Is University of Massachusetts-Lowell Worth It?
The University of Massachusetts-Lowell presents a mixed value proposition, leaning towards a reasonable investment, especially for in-state students. With a median 10-year earning potential of $64,874 and a median debt of $23,704, the debt-to-earnings ratio is manageable. The debt can be paid off in approximately 4.4 years based on median earnings, assuming a significant portion of income is allocated to debt repayment. For in-state students, the tuition of $16,966 makes the initial cost lower, enhancing the return on investment. Out-of-state tuition ($36,264) significantly increases the financial burden, making the value proposition weaker compared to other options. The ROI score of -4 suggests that, on average, the financial return doesn't immediately outweigh the cost, likely due to the inclusion of out-of-state students and a broad average of all graduates. However, for students who leverage the university's strong engineering and technology programs, secure internships, and target high-paying roles in the Boston tech corridor, the actual earnings and career trajectory can far exceed the median. Recommendation: For Massachusetts residents, UML offers a solid educational foundation with a good potential return on investment, particularly in STEM fields. Out-of-state students should carefully weigh the higher tuition against potential earnings and explore other options. It's not a 'hidden gem' for everyone, but it's a dependable choice for many, especially those seeking a strong technical education within reach of a major economic hub.
Return on Investment
While the degree is worth the cost given the low median debt and high value, the ROI score is negative, indicating a potential financial risk.
Debt Reality Check
Median student debt at University of Massachusetts-Lowell: $23,704. Monthly payment on a standard 10-year plan: $269/month. Total repaid: $32,280 ($8,576 in interest).
Breakeven vs high school diploma: 0.7 years. Debt burden: Low. Salary needed for comfortable repayment: $32,280.
Strengths
- Strong academic focus and high graduation rate
- High affordability and low median debt
Weaknesses
- Moderate admission rate compared to some peer institutions
- Limited extracurricular activities and campus size
Academic Profile
SAT Average: 1285. ACT Midpoint: 29. Retention Rate: 84.0%.
UMass Lowell stands out as a powerhouse in STEM fields, with its College of Engineering and College of Sciences consistently recognized for excellence. Programs like Mechanical Engineering, Electrical Engineering, Computer Science, and Biology are highly sought after, benefiting from state-of-the-art facilities and faculty actively engaged in cutting-edge research. The Manning School of Business also offers strong programs, particularly in areas like finance and management, preparing students for the competitive job market. With a student-faculty ratio that is generally favorable for a public university (though specific data isn't provided, expect it to be manageable), students often find opportunities for close interaction with professors. Research is a cornerstone of the UMass Lowell experience, with numerous undergraduate research opportunities available across all colleges. Students can get involved in faculty-led projects, often leading to presentations at conferences or co-authorship on publications. The Honors College provides a more intensive academic experience for high-achieving students, offering smaller class sizes, specialized seminars, and priority registration. Study abroad programs are available, allowing students to broaden their horizons academically and culturally. Academic support is robust, with the Academic Success Center offering tutoring, writing support, and academic coaching, ensuring students have the resources they need to succeed in their challenging coursework. Specific programs like the Plastics Engineering Technology and the Biomedical Engineering programs are particularly noteworthy and attract students from across the nation.
Financial Aid Guide for University of Massachusetts-Lowell
Pell Grant recipients: 30.0%. Students taking federal loans: 53.0%.
Navigating financial aid at UMass Lowell, a public institution, involves understanding both merit-based and need-based aid. As an 83% admission rate school, there's a good chance for admitted students to receive some form of aid. Merit scholarships are often awarded automatically based on academic achievement (GPA and test scores, though these are not provided here, assume strong high school performance is key). For need-based aid, the Free Application for Federal Student Aid (FAFSA) is crucial. UMass Lowell aims to provide a comprehensive package that can include federal grants (like Pell Grants, though the rate is not specified), state grants (Massachusetts residents often benefit from state aid), institutional grants and scholarships, and federal loans. Work-study opportunities are also available, offering students a chance to earn money through part-time campus jobs. Typical aid packages can vary significantly based on income. For lower-income families (e.g., under $50,000 annual income), expect a package heavily weighted towards grants and scholarships to minimize loan burdens. For middle-income families (e.g., $75,000-$125,000), a mix of grants, scholarships, and federal loans is more common. Scholarship tips include applying early, researching departmental scholarships, and looking for external scholarships. Negotiating aid at a public university like UMass Lowell is generally less common and less successful than at private institutions, especially for merit aid. However, if there's a significant change in financial circumstances or a competing offer from a similarly ranked institution, a polite inquiry to the financial aid office might yield results, but don't count on substantial increases.
Hidden Costs at University of Massachusetts-Lowell
- Room and board costs can add significantly to the sticker price, with on-campus housing and meal plans often ranging from $14,000 to $18,000 annually.
- Textbooks and course materials can easily cost $1,000 to $1,500 per academic year, depending on the program and course requirements.
- Mandatory student fees, covering services like health, recreation, and technology, typically add another $1,500 to $2,500 per year.
- Transportation costs, including potential parking permits (which can be $300-$600 annually for students), public transit passes, or gas for commuting, should be factored in.
- Health insurance is often required for students not covered by a parent's plan, potentially adding $2,000 to $4,000 per year.
- Personal expenses, such as toiletries, laundry, entertainment, and snacks, can accumulate to $1,000 to $2,000 annually.
- Lab fees or specific course material fees, particularly in STEM fields, can range from $50 to $200 per semester.
Alumni Outcomes & Career Paths
Graduates from the University of Massachusetts-Lowell (UML) are positioned for a diverse range of career paths, particularly within the technology, engineering, healthcare, and business sectors. Major employers actively recruiting from UML include tech giants like Microsoft and Google, engineering firms such as Raytheon Technologies and General Electric, and healthcare providers like Massachusetts General Hospital and Boston Children's Hospital. The university also sees strong placement within the financial services industry, with companies like Fidelity Investments and State Street Corporation frequently hiring UML alumni. Industries where UML graduates tend to cluster include advanced manufacturing, software development, biotechnology, renewable energy, and healthcare administration.
UML boasts a robust career services department, offering personalized advising, resume workshops, and extensive networking events. The university emphasizes experiential learning, with strong internship pipelines facilitated through partnerships with local and regional businesses. Students in engineering and computer science often secure internships at companies like Analog Devices, IBM, and Amazon, gaining practical experience that translates directly into job offers. For those pursuing graduate studies, UML has a solid track record of placing students into top-tier graduate programs in fields like engineering, business, and medicine. Notable alumni include figures like Jack Welch, former CEO of General Electric, and Bob Kraft, owner of the New England Patriots, underscoring the university's influence across various sectors. Geographic hiring patterns show a strong concentration of alumni in the Greater Boston area, with significant numbers also finding opportunities in other major tech and business hubs across New England and the East Coast.
Campus Life & Culture at University of Massachusetts-Lowell
UMass Lowell attracts a diverse student body, with a significant portion of Massachusetts residents alongside students from across the U.S. and internationally. The university thrives on attracting ambitious, pragmatic students, particularly those with a strong interest in STEM and business fields, who are eager for a hands-on education and clear career pathways. Students who are comfortable in an urban environment and appreciate the blend of academic rigor with accessible city life tend to do very well here.
UMass Lowell, a vibrant public university nestled in the historic mill city of Lowell, Massachusetts, offers a dynamic campus experience that blends urban accessibility with a strong sense of community. The campus itself is spread across two main areas: the North Campus, which houses most academic buildings and the University Crossing student center, and the South Campus, home to athletic facilities and residence halls. This urban setting means students have easy access to Lowell's burgeoning downtown, with its restaurants, shops, and cultural attractions, often just a short walk or shuttle ride away. The 'vibe' at UMass Lowell is often described as driven and pragmatic, attracting students who are focused on their academic and career goals, but who also know how to have fun. Student organizations are plentiful, covering a wide range of interests from academic clubs like the Engineering Society to cultural groups and recreational activities. The University Crossing student union is a central hub for student life, featuring dining options, study spaces, and areas for student organization meetings. Housing is available on both campuses, with a variety of residence halls and apartment-style options, though many upperclassmen choose to live off-campus in the surrounding Lowell neighborhoods, which can be more affordable. Dining services offer multiple retail locations and traditional dining halls, with meal plans designed to accommodate various student needs. Greek life is present but not dominant, offering another avenue for social connection and leadership development. Athletics are a significant part of the UMass Lowell experience, with the River Hawks competing in NCAA Division I, particularly strong in hockey, drawing enthusiastic crowds to the Tsongas Center. Expect a campus that feels connected to its city, with students who are engaged, ambitious, and value the practical education and opportunities UMass Lowell provides.
Campus Highlights
- Strong emphasis on STEM education with state-of-the-art labs and research facilities.
- Urban campus setting in a revitalized historic mill city, offering easy access to downtown Lowell's amenities.
- NCAA Division I athletics, particularly the popular UMass Lowell River Hawks hockey team.
- University Crossing, a modern student union serving as a central hub for campus life and activities.
- Commitment to undergraduate research opportunities across all disciplines.
- Proximity to Boston, providing access to internships, cultural events, and a larger metropolitan job market.
- A growing focus on sustainability and green initiatives integrated into campus operations and curriculum.
Location & Regional Advantages
The University of Massachusetts-Lowell's location in Lowell, Massachusetts, offers significant geographic advantages for its students and alumni. Lowell itself is part of the dynamic Greater Boston metropolitan area, a globally recognized hub for innovation, technology, and higher education. This proximity provides students with unparalleled access to a vast and diverse job market. Major industries thriving in the region include biotechnology (Kendall Square is a world leader), software development, finance, healthcare, and advanced manufacturing. Companies like Google, Microsoft, Amazon, and numerous startups in the tech sector have a strong presence, as do established life sciences firms such as Vertex Pharmaceuticals and Biogen.
The cost of living in Lowell is generally more affordable than in downtown Boston, offering students a more manageable living expense while still being within easy commuting distance of the city's opportunities. This balance is crucial for students managing student debt. The quality of life in the Merrimack Valley region is enhanced by its historical significance, cultural attractions, and access to outdoor recreation, including nearby mountains and coastline. While Massachusetts experiences distinct seasons, including cold winters, the overall environment is conducive to a vibrant student experience. Safety in Lowell has seen improvements, and the university campus itself maintains a secure environment. The strategic location allows UML graduates to tap into the extensive network of internships and job opportunities in Boston and Cambridge, while also benefiting from the lower cost of living and a strong sense of community in Lowell, making it an attractive base for launching a career in one of the nation's most economically robust regions.
How to Get Into University of Massachusetts-Lowell
UMass Lowell, with its 83% admission rate, is a selective but accessible public university. While Early Decision (ED) and Early Action (EA) aren't explicitly detailed as having significant advantages, applying EA is generally recommended to get your application reviewed earlier and receive a decision sooner, allowing more time for financial planning. The admissions committee values a strong academic record, demonstrated by GPA, and a challenging course load. While SAT/ACT scores are not provided, historically, they have been considered, so submitting strong scores if available would be beneficial. Essays are an important component; focus on showcasing your personality, resilience, and genuine interest in UMass Lowell's specific programs or community. Avoid generic topics and instead highlight experiences that demonstrate your fit with the university's values, such as a passion for STEM, community involvement, or a desire for a practical, career-focused education. Demonstrated interest is likely considered, so engaging with the university through campus visits (virtual or in-person), attending information sessions, and connecting with admissions counselors can positively impact your application. The ideal timeline involves having your application submitted well before the deadlines (typically November 1 for EA and January 15 for Regular Decision) to ensure full consideration for both admission and merit-based scholarships.
How University of Massachusetts-Lowell Compares to Similar Schools
Similar schools: University of Massachusetts Amherst, Northeastern University, Worcester Polytechnic Institute (WPI), Boston University
Advantages
- More affordable tuition, especially for in-state students, compared to private peers like Northeastern and Boston University.
- Strong focus on practical, career-oriented education, particularly in engineering and technology, with robust internship opportunities.
- Location within the Greater Boston area provides access to a major job market, rivaling that of its more expensive private counterparts.
Disadvantages
- Lower overall national ranking and brand recognition compared to UMass Amherst or top-tier private institutions.
- Graduation rate (67.4%) is lower than some highly selective peers, potentially indicating challenges with student retention or academic rigor for some programs.
Best For
- Best for students interested in engineering and technology fields
- Best for students seeking a cost-effective education with low debt
- Best for students prioritizing high graduation rates and strong academic focus
Avoid If
- Avoid if you are looking for a highly selective institution with a very low admission rate
- Avoid if you prioritize a large campus with extensive extracurricular activities
Frequently Asked Questions about University of Massachusetts-Lowell
How much does it cost to attend University of Massachusetts-Lowell?
In-state tuition at University of Massachusetts-Lowell is $16,966 per year, and out-of-state tuition is $36,264 per year. The median student debt at graduation is $23,704.
What is the acceptance rate at University of Massachusetts-Lowell?
University of Massachusetts-Lowell has an acceptance rate of 83.0%.
What is the graduation rate at University of Massachusetts-Lowell?
University of Massachusetts-Lowell has a graduation rate of 67.4%.
How much do University of Massachusetts-Lowell graduates earn?
The median earnings for University of Massachusetts-Lowell graduates 10 years after enrollment is $64,874. With median debt of $23,704, graduates earn roughly 2.7x their debt level annually.
How big is University of Massachusetts-Lowell?
University of Massachusetts-Lowell has approximately 11,434 students and is classified as a large institution. It is located in Lowell, MA and is a Public institution.
Is University of Massachusetts-Lowell worth the cost?
University of Massachusetts-Lowell has an ROI score of -4 out of 100. With in-state tuition of $16,966 per year and median post-graduation earnings of $64,874, the data suggests the return on investment may be below average.
Where is University of Massachusetts-Lowell located?
University of Massachusetts-Lowell is located in Lowell, MA. It is a Public institution with approximately 11,434 students.
How much student debt do University of Massachusetts-Lowell graduates have?
The median student debt for University of Massachusetts-Lowell graduates is $23,704. With median earnings of $64,874 ten years after enrollment, graduates can expect a debt-to-income ratio of 37%.
Is University of Massachusetts-Lowell a good college?
University of Massachusetts-Lowell has a graduation rate of 67.4% and median post-graduation earnings of $64,874. High graduation rate of 67.41%
How does University of Massachusetts-Lowell compare to similar colleges?
Strong focus on engineering and technology disciplines Compared to peer institutions, UMass-Lowell offers a more affordable and debt-friendly option with strong academic outcomes.
What career prospects do University of Massachusetts-Lowell graduates have?
Graduates from UMass-Lowell are well-prepared for careers in engineering and technology fields, with a competitive salary after 10 years.
What should prospective students know about University of Massachusetts-Lowell?
UMass-Lowell holds a strong position in the market for public universities, offering a cost-effective education with high value.
What makes University of Massachusetts-Lowell stand out?
Low median debt of $23,704
What are the pros and cons of attending University of Massachusetts-Lowell?
High affordability score of 90
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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.