Head-to-Head Analysis
This analysis was generated using Azimuth's proprietary framework. Our data model transforms federal education data into actionable insights. Learn about founder Daniel Rogers, explore our research methodology, or see how we think about this data.
Updated January 2026 • Queens, NY & Montclair, NJ
When students choose between Montclair State University and CUNY Queens College, they're comparing two paths to the same metropolitan job market. Both large public universities feed graduates into New York-area careers with similar earning potential.
But one costs nearly four times more than the other — and the earnings data shows no corresponding payoff. The question becomes: what justifies paying $10,329 more per year for the same career outcomes?
Median Student Debt at Graduation
$10,298
federal loans
$22,000
federal loans
Median Parent PLUS Loans
$17,680
borrowed by parents
$24,693
borrowed by parents
Montclair is predominantly business-focused, with 21% of graduates earning degrees in business fields, followed by 11% in arts and 6% in social sciences. Queens College has a more social sciences emphasis: 22% social sciences, 15% business, and 7% education.
Montclair's largest programs include Business Administration (660 graduates annually) and Psychology (395). Queens College's top programs are Psychology (641), Accounting (451), and Economics (383).
These program concentrations influence career paths but don't explain the earnings similarity between institutions.
For students prioritizing financial value, Queens College delivers identical career outcomes at $10,329/year less than Montclair State. Montclair offers a traditional four-year residential campus experience in suburban New Jersey, which appeals to students seeking that environment and willing to pay significantly more for it.
The data unequivocally points to Queens College as the superior financial value — graduates earn the same while carrying far less debt. Unless the campus experience or specific program offerings at Montclair are worth an extra $40,000+ over four years to your family, Queens College represents one of the best educational values in the region.
The choice ultimately depends on whether you're paying for outcomes or experience.
Key Takeaway
The numbers are close, but the best school depends on your goals, values, and career aspirations.
This comparison was generated using Azimuth's proprietary ROI framework, developed by founder Daniel Rogers. Our methodology transforms federal education data into actionable insights for families.
This comparison uses Azimuth's proprietary ROI model based on U.S. Dept. of Education data. View Full Methodology.
This content is for educational and informational purposes only and should not be construed as financial, investment, or professional advice. Consult a qualified advisor before making any financial decisions.
College Azimuth is a private research initiative and is not affiliated with the U.S. Department of Education or Federal Student Aid.
