Bachelor's · Frostburg, Maryland

Is Fine and Studio Arts at Frostburg State University worth it?

Low confidence Low confidence: fewer than 40 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 12.3 years.

Earnings 1 year after graduating: $30,411; Treasury AY2020-21, AY2021-22 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Earnings 4 years after graduating: $48,572; Treasury AY2017-2018, AY2018-2019 pooled earnings cohort measured in CY2022, CY2023, inflation adjusted to 2024 dollars
Typical federal debt at graduation: Not enough borrowers to report; NSLDS pooled AY2022-23, AY2023-24 cohort
Net cost to graduate, all families: $71k (likely $71k – $97k); AcadYr 2024-25, reported in IPEDS DCY2025-26
Earnings bump, year 4: $9k a year vs high-school graduates aged 25–34 in MD; 2023 ACS 5-year pooled, adjusted to 2024 dollars
Payback: 12.3 years (likely 7.0–20+); Bump vs net cost plus loan interest
10-year net return: −$198k (likely −$290k – −$98k); Today's dollars
20-year net return: −$66k (likely −$243k – $152k); Today's dollars
Odds of finishing (school-wide): 45%; Fall 2019 or AcadYr 2019-20 cohort (differs by institutional calendar), reported in IPEDS DCY2025-26