Bachelor's · Lowell, Massachusetts

Is Liberal Arts and Sciences, General Studies and Humanities at University of Massachusetts-Lowell worth it?

High confidence High confidence: 100+ graduates behind the earnings figures.

The verdict · all families, in-state, half paid with loans

Pays back slowly: graduates typically recover the cost in about 8.8 years.

Earnings 1 year after graduating: $49,658; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $55,309; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: $25,000; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $74k (likely $74k – $99k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $12k a year vs high-school graduates aged 25–34 in MA; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 8.8 years (likely 6.4–13.0); Bump vs net cost plus loan interest
10-year net return: −$159k (likely −$250k – −$105k); Today's dollars
20-year net return: −$10k (likely −$137k – $122k); Today's dollars
Odds of finishing (school-wide): 69%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26
Borrowers making progress / in default, 2 years in: not reported / ≤ 10%; NSLDS AY2016-17, AY2017-18 pooled cohorts measured in 2018-19, 2019-20