You would borrow a median $21,974 — about $250 a month for ten years. Graduates earn a median $65,865 ten years after starting, so the debt clears in roughly 0.8 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 0.8-year payback above. We list 2 scholarships tied to University of Massachusetts Boston.
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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 Boston clears its debt faster than that, and its graduates earn $26,345 a year more than a US worker with only a high-school diploma.
| Nearby university | Grade | Debt | Earnings | Payback |
|---|---|---|---|---|
| University of Massachusetts at Dartmouth Massachusetts | B | $25,000 | $68,804 | 0.9 yrs |
| Western New England University Massachusetts | B | $25,500 | $73,157 | 0.8 yrs |
| University of Massachusetts at Lowell Massachusetts | B | $23,704 | $64,874 | 0.9 yrs |
| Emmanuel College Massachusetts | B | $27,000 | $68,245 | 0.9 yrs |
| Smith College Massachusetts | B | $17,550 | $64,027 | 0.7 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.