You would borrow a median $21,105 — about $240 a month for ten years. Graduates earn a median $55,493 ten years after starting, so the debt clears in roughly 1.3 years of the salary premium.
It is a fair deal, close to the national middle. What you study and what you borrow will matter more than the badge.
Under roughly 15% of gross pay, repayment is generally considered manageable alongside rent and living costs.
Every dollar you win is a dollar you never repay — and it moves the 1.3-year payback above. We list 2 scholarships tied to Frostburg State University.
Tell us what you need and we will come back with the lenders that actually fund students from your country — including options with no US co-signer. No obligation, and we never charge you.
The typical graded university clears its debt in 1.3 years on median earnings of $57,146 against $22,500 of debt. Frostburg State University takes longer than that, and its graduates earn $15,973 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| Anne Arundel Community College Maryland | C | $8,250 | $46,219 | 1.2 yrs |
| Hood College Maryland | C | $25,000 | $57,089 | 1.4 yrs |
| McDaniel College Maryland | C | $25,000 | $60,663 | 1.2 yrs |
| Frederick Community College Maryland | C | $8,150 | $46,449 | 1.2 yrs |
| Stevenson University Maryland | C | $26,000 | $62,079 | 1.2 yrs |
Source: US Department of Education College Scorecard — earnings and debt cover students who received federal financial aid and blend every subject taught at the institution. Figures imported 28 Aug 2026. This page is information, not financial advice.