Is This Degree
Worth the Debt?
ROI analysis for every school and major combination in America. Every program gets a score from A to F based on real Department of Education earnings data.
Best ROI: School + Major Combinations
Computer and Information Sciences at Berea College
Computer and Information Sciences at Bethesda University
Computer/Information Technology Administration and Management at Capitol Technology University
Computer and Information Sciences at Capitol Technology University
Computer Programming at Capitol Technology University
Computer Programming at Caribbean University-Bayamon
Computer Programming at Caribbean University-Ponce
Computer Science at Central State University
Computer/Information Technology Administration and Management at Collin County Community College District
Computer Software and Media Applications at Atlantic University
Worst ROI: School + Major Combinations
Design and Applied Arts at Bowie State University
Fine and Studio Arts at Bowie State University
Drama/Theatre Arts and Stagecraft at Bowie State University
Design and Applied Arts at Art Academy of Cincinnati
Fine and Studio Arts at Art Academy of Cincinnati
Film/Video and Photographic Arts at Art Academy of Cincinnati
Visual and Performing Arts at Art Academy of Cincinnati
Design and Applied Arts at Beverly Hills Design Institute
Human Development, Family Studies, and Related Services at Bowie State University
Social Work at Bowie State University
Browse by Major
Statistics
Computer Programming
Data Processing
Computer Software and Media Applications
Computer and Information Sciences
Mathematics
Computer Science
Computer/Information Technology Administration and Management
Computer Systems Analysis
Applied Mathematics
Mathematics and Statistics, Other
Computer Systems Networking and Telecommunications
Information Science/Studies
Computer and Information Sciences, Other
Mechatronics, Robotics, and Automation Engineering
Computer Engineering Technologies
Manufacturing Engineering
Aerospace, Aeronautical, and Astronautical Engineering
Engineering Science
Industrial Engineering
Environmental/Environmental Health Engineering
Petroleum Engineering
Engineering
Electrical, Electronics, and Communications Engineering
Mechanical Engineering
Civil Engineering
Biomedical/Bioengineering
Ceramic Sciences and Engineering
Computer Engineering
Architectural Engineering
Industrial Production Technologies
Chemical Engineering
Metallurgical Engineering
Engineering Physics
Geological/Geophysical Engineering
Engineering, Other
Energy Systems Technologies
Engineering Technologies, Other
Mining and Mineral Engineering
Drafting/Design Engineering Technologies
Construction Engineering Technology
Materials Engineering
Engineering Technology
Engineering-Related Technologies
Quality Control and Safety Technologies
Electromechanical Instrumentation and Maintenance Technologies
Mechanical Engineering Related Technologies
Engineering-Related Fields
Electrical and Electronic Engineering Technologies
Engineering Technologies
Practical Nursing, Vocational Nursing and Nursing Assistants
Alternative and Complementary Medicine and Medical Systems
Physics
Chemistry
Astronomy and Astrophysics
Materials Science
Business Administration, Management and Operations
Geological and Earth Sciences/Geosciences
Health/Medical Preparatory Programs
Business/Managerial Economics
Construction Management
Management Sciences and Quantitative Methods
Dental Support Services and Allied Professions
General Sales, Merchandising and Related Marketing Operations
Physical Sciences
Insurance
Allied Health and Medical Assisting Services
Dietetics and Clinical Nutrition Services
Finance and Financial Management Services
Marketing
Accounting and Related Services
Business/Commerce
Specialized Sales, Merchandising and Marketing Operations
Allied Health Diagnostic, Intervention, and Treatment Professions
Entrepreneurial and Small Business Operations
Health Professions and Related Clinical Sciences, Other
Health Services/Allied Health/Health Sciences
Health and Medical Administrative Services
Clinical/Medical Laboratory Science/Research and Allied Professions
Management Information Systems and Services
Business, Management, Marketing, and Related Support Services, Other
Mental and Social Health Services and Allied Professions
Human Resources Management and Services
Business/Corporate Communications
Hospitality Administration/Management
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing
Communication Disorders Sciences and Services
Public Health
Rehabilitation and Therapeutic Professions
International Business
Medical Illustration and Informatics
Pharmacy, Pharmaceutical Sciences, and Administration
Legal Research and Advanced Professional Studies
Legal Professions and Studies
Legal Support Services
Peace Studies and Conflict Resolution
Legal Professions and Studies, Other
Geography and Cartography
Business Operations Support and Assistant Services
Data Analytics
International Relations and National Security Studies
General Social Sciences
Biopsychology
Systems Science and Theory
Political Science and Government
Sociology
Social Sciences
Social Sciences, Other
Economics
Multi/Interdisciplinary Studies
Anthropology
Criminology
Interior Architecture
Architectural Sciences and Technology
Urban Studies/Affairs
Gerontology
Human Computer Interaction
Cultural Studies/Critical Theory and Analysis
Cognitive Science
Leadership Studies
Nutrition Sciences
Air Transportation
Landscape Architecture
Multi/Interdisciplinary Studies, Other
Biological and Physical Sciences
Sustainability Studies
Human Biology
International/Globalization Studies
Behavioral Sciences
Computational Science
Intercultural/Multicultural and Diversity Studies
Zoology/Animal Biology
Data Visualization
Biology
Biochemistry, Biophysics and Molecular Biology
Neurobiology and Neurosciences
Physiology, Pathology and Related Sciences
Cell/Cellular Biology and Anatomical Sciences
Architecture
Science, Technology and Society
Transportation and Materials Moving
Genetics
Natural Sciences
Digital Humanities and Textual Studies
Biomathematics, Bioinformatics, and Computational Biology
Ecology, Evolution, Systematics, and Population Biology
Military Technologies
Intelligence, Command Control and Information Operations
Agricultural Production Operations
Philosophy and Religious Studies
Plant Sciences
Science Technologies
Agriculture, Other
Forestry
Applied Horticulture and Horticultural Business Services
Agricultural Mechanization
Philosophy
Biological and Biomedical Sciences, Other
Agriculture
Religion/Religious Studies
Agricultural and Domestic Animal Services
Food Science and Technology
Biotechnology
Natural Resources Management and Policy
Mathematics and Computer Science
Psychology
Agricultural Business and Management
Agricultural Public Services
Graphic Communications
Journalism
History
Natural Resources Conservation and Research
Research and Experimental Psychology
Animal Sciences
Clinical, Counseling and Applied Psychology
Classics and Classical Languages
Linguistic, Comparative, and Related Language Studies
Wildlife and Wildlands Science and Management
Parks, Recreation, Leisure, Fitness, and Kinesiology, Other
Communication and Media Studies
Radio, Television, and Digital Communication
Audiovisual Communications Technologies
Public Relations, Advertising, and Applied Communication
Romance Languages
Philosophy and Religious Studies, Other
Fire Protection
Vehicle Maintenance and Repair Technologies
Communication, Journalism, and Related Programs, Other
Criminal Justice and Corrections
Rhetoric and Composition/Writing Studies
English Language and Literature
Microbiological Sciences and Immunology
Security Science and Technology
Homeland Security
English Language and Literature/Letters, Other
Literature
American Sign Language
Germanic Languages
Public Administration and Social Service Professions, Other
Liberal Arts and Sciences, General Studies and Humanities
Parks, Recreation, and Leisure Studies
Public Policy Analysis
East Asian Languages
Psychology, Other
Health and Physical Education/Fitness
Social Work
Teacher Education and Professional Development, Specific Levels and Methods
Educational/Instructional Media Design
Area Studies
Ethnic, Cultural Minority, Gender, and Group Studies
Special Education and Teaching
Family and Consumer Sciences/Human Sciences
Education, Other
Education
Human Services
Parks, Recreation, and Leisure Facilities Management
Public Administration
Educational Administration and Supervision
Visual and Performing Arts, Other
Social and Philosophical Foundations of Education
Precision Production
Teacher Education and Professional Development, Specific Subject Areas
Film/Video and Photographic Arts
Apparel and Textiles
Music
Family and Consumer Sciences/Human Sciences Business Services
Community Organization and Advocacy
Bilingual, Multilingual, and Multicultural Education
Foods, Nutrition, and Related Services
Outdoor Education
Teaching Assistants/Aides
Housing and Human Environments
Human Development, Family Studies, and Related Services
Drama/Theatre Arts and Stagecraft
Design and Applied Arts
Visual and Performing Arts
Fine and Studio Arts
Dance
Arts, Entertainment, and Media Management
Theology and Religious Vocations
Theological and Ministerial Studies
Religious/Sacred Music
Bible/Biblical Studies
Religious Education
Pastoral Counseling and Specialized Ministries
Theology and Religious Vocations, Other
Browse by School
Aaniiih Nakoda College
Mt · public · 1 majors · Avg debt: $24K
Abilene Christian University
Tx · private · 20 majors · Avg debt: $39K
Abraham Baldwin Agricultural College
Ga · public · 13 majors · Avg debt: $23K
Academy College
Mn · private · 2 majors · Avg debt: $31K
Academy of Art University
Ca · private · 18 majors · Avg debt: $30K
Acupuncture and Massage College
Fl · private · 1 majors · Avg debt: $24K
Adelphi University
Ny · private · 20 majors · Avg debt: $27K
Adrian College
Mi · private · 20 majors · Avg debt: $25K
AdventHealth University
Fl · private · 6 majors · Avg debt: $35K
Agnes Scott College
Ga · private · 20 majors · Avg debt: $27K
Alabama A & M University
Al · public · 20 majors · Avg debt: $26K
Alabama State University
Al · public · 20 majors · Avg debt: $33K
Alaska Bible College
Ak · private · 1 majors · Avg debt: $19K
Alaska Pacific University
Ak · private · 10 majors · Avg debt: $31K
Albany College of Pharmacy and Health Sciences
Ny · private · 5 majors · Avg debt: $45K
Albany State University
Ga · public · 20 majors · Avg debt: $24K
Albertus Magnus College
Ct · private · 20 majors · Avg debt: $39K
Albion College
Mi · private · 20 majors · Avg debt: $27K
Albizu University-Miami
Fl · private · 3 majors · Avg debt: $38K
Albizu University-San Juan
Pr · private · 2 majors · Avg debt: $28K
Albright College
Pa · private · 20 majors · Avg debt: $26K
Alcorn State University
Ms · public · 20 majors · Avg debt: $30K
Alfred University
Ny · private · 20 majors · Avg debt: $39K
Alice Lloyd College
Ky · private · 13 majors · Avg debt: $19K
Browse by State
Ak
7 schools
Al
31 schools
Ar
23 schools
As
1 schools
Az
23 schools
Ca
172 schools
Co
30 schools
Ct
23 schools
Dc
11 schools
De
5 schools
Fl
106 schools
Fm
1 schools
Ga
63 schools
Gu
3 schools
Hi
9 schools
Ia
34 schools
Id
10 schools
Il
62 schools
In
50 schools
Ks
30 schools
Ky
34 schools
La
26 schools
Ma
70 schools
Md
31 schools
Me
19 schools
Mh
1 schools
Mi
50 schools
Mn
43 schools
Mo
58 schools
Mp
1 schools
Ms
16 schools
Mt
14 schools
Nc
66 schools
Nd
15 schools
Ne
20 schools
Nh
14 schools
Nj
52 schools
Nm
12 schools
Nv
12 schools
Ny
187 schools
Oh
104 schools
Ok
28 schools
Or
22 schools
Pa
125 schools
Pr
57 schools
Ri
11 schools
Sc
38 schools
Sd
15 schools
Tn
45 schools
Tx
113 schools
Ut
18 schools
Va
57 schools
Vi
1 schools
Vt
10 schools
Wa
56 schools
Wi
40 schools
Wv
22 schools
Wy
5 schools
Featured Schools
Allegheny College
Pa · private · 20 majors
Allegheny Wesleyan College
Oh · private · 4 majors
Allen University
Sc · private · 8 majors
Alliant International University-San Diego
Ca · private · 3 majors
Alma College
Mi · private · 20 majors
Alpena Community College
Mi · public · 1 majors
Alvernia University
Pa · private · 20 majors
Alverno College
Wi · private · 20 majors
America Evangelical University
Ca · private · 1 majors
American Academy of Art College
Il · private · 4 majors
American Baptist College
Tn · private · 2 majors
American InterContinental University System
Az · private · 12 majors
American InterContinental University-Atlanta
Ga · private · 7 majors
American InterContinental University-Houston
Tx · private · 4 majors
American International College
Ma · private · 20 majors
American Jewish University
Ca · private · 3 majors
Frequently Asked Questions
What is the average return on investment for a college degree?
Across 2,202 schools and 30,224 school-major combinations, the average graduate carries $26K in debt and earns $58K in their first year. The average ROI varies enormously by major: STEM and healthcare degrees typically score A or B grades (strong returns), while some liberal arts and fine arts programs score D or F (debt exceeds reasonable payback). Use our STEM vs Liberal Arts comparison for the full breakdown.
What is an ROI Score?
The ROI Score is CollegeROIData's proprietary grading system that rates every school + major combination from A (best return) to F (worst return) based on five factors: debt-to-income ratio (35%), earnings premium over high school graduates (25%), job market outlook (20%), graduation rate (10%), and debt vs the national average for that major (10%). See our full methodology.
Is college worth the debt?
It depends entirely on the major and school. The best school-major combinations deliver 5-10x ROI with debt paid off in 2-3 years. The worst combinations leave graduates with more debt than they can reasonably repay. On average, STEM, healthcare, and business programs produce positive returns. Fine arts, education, and some humanities programs often do not. Trade school is a financially superior option for many students, see our trade school vs college comparison.
What is a good college debt-to-income ratio?
A debt-to-income ratio below 1.0x is good, meaning your total student debt is less than your first-year salary. Below 0.5x is excellent. Above 2.0x is a danger zone where repayment becomes extremely difficult. The national average across our data is about 0.46x. Read our DTI guide for benchmarks by major.
Is a public university a better investment than a private university?
On average, public universities offer better ROI because of lower debt levels. Private schools charge more but don't always deliver proportionally higher earnings. However, the best programs at private schools can outperform the average public school program. The specific school-major combination matters more than public vs private status. See our public vs private comparison.
Where does this data come from?
All debt and earnings data comes from the U.S. Department of Education College Scorecard, which tracks actual student debt levels and post-graduation earnings linked to specific schools and programs. Job outlook data comes from the Bureau of Labor Statistics Occupational Outlook Handbook.