You would borrow a median $22,763 — about $259 a month for ten years. Graduates earn a median $71,631 ten years after starting, so the debt clears in roughly 0.7 years of the salary premium.
Yes — you clear the borrowing faster than at most US universities.
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 0.7-year payback above. We list 1 scholarship tied to University of Massachusetts Amherst.
See all 1 University of Massachusetts Amherst scholarships →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. University of Massachusetts Amherst clears its debt faster than that, and its graduates earn $32,111 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| Smith College Massachusetts | B | $17,550 | $64,027 | 0.7 yrs |
| Brandeis University Massachusetts | B | $25,648 | $77,231 | 0.7 yrs |
| Western New England University Massachusetts | B | $25,500 | $73,157 | 0.8 yrs |
| University of Massachusetts Boston Massachusetts | B | $21,974 | $65,865 | 0.8 yrs |
| Wentworth Institute of Technology Massachusetts | A | $25,028 | $82,721 | 0.6 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.