University of Massachusetts-Lowell prices its degrees across income levels in a way that reflects its public-university mission. Low-income families pay approximately $9,943 per year in net price, middle-income families see annual costs around $12,141, and higher-income families pay correspondingly more at roughly $26,139.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Total Cost of Attendance (Sticker Price) | $30,786 |
| Tuition and Fees | $36,264 |
| Room and Board | $16,148 |
| Books and Supplies | $1,200 |
| Average Financial Aid (Grants and Scholarships) | -$13,623 |
| Average Net Price (What Families Pay) | $17,163 |
| Family Income | Net Price |
|---|---|
| $0–30k | $9,943 |
| $30–48k | $10,199 |
| $48–75k | $12,141 |
| $75–110k | $16,460 |
| $110k+ | $26,139 |
University of Massachusetts-Lowell prices its degrees across income levels in a way that reflects its public-university mission. Low-income families pay approximately $9,943 per year in net price, middle-income families see annual costs around $12,141, and higher-income families pay correspondingly more at roughly $26,139. Azimuth ranks University of Massachusetts-Lowell #513 for post-graduation affordability among nonprofit four-year institutions. The gap between published cost of attendance and what students actually pay reflects the reach of need-based aid across income groups, and the net price illusion is real here: sticker price and net price diverge meaningfully for lower-income families. Need-based aid covers a meaningful share of costs for qualifying students. UMass Lowell participates in federal, state, and institutional aid programs, and the income-band net prices above reflect median aid packages within each group — individual outcomes vary depending on household circumstances, assets, and the specific aid year. Families comparing sticker price to net price should use the income-band figures as the more relevant planning anchor. Median federal student loan debt at graduation is $23,704, and families using Parent PLUS borrow a median of $18,400; private or institutional loans may add further borrowing that falls outside these federal-only figures — see the for how household context shapes PLUS decisions. For a graduate at the institution's median four-year earnings of $81,163, median federal debt of $23,704 projects to a monthly payment of about $268 under standard ten-year repayment. For personalized projections across earnings scenarios — including Parent PLUS planning — use .
How much students borrow and whether debt is manageable given outcomes.
Debt is well below typical first-year earnings — generally considered very manageable.
How cost compares to graduate earnings and value added.
Graduates of University of Massachusetts-Lowell earn median earnings of $81,163 four years after enrollment, placing University of Massachusetts-Lowell in the 86.8 percentile for median earnings four years after enrollment among nonprofit four-year institutions. That figure runs above the $65,228 median at comparable institutions (same control and size band). Graduates earn about $16,591 more than similar students at comparable institutions, placing the university in the 93.7 percentile for earnings beyond expectations among nonprofit four-year institutions. Azimuth ranks University of Massachusetts-Lowell #158 for return on investment among nonprofit four-year institutions. The earnings pattern reflects a program mix anchored in applied and professional fields. Business is the dominant program family, accounting for 21% of degrees, followed by Engineering at 19% and Arts at 3%. Business Administration combines high enrollment with strong pay, making it a key contributor to the university's overall return profile. Azimuth ranks Business Administration #34 nationally among nonprofit four-year institutions , with 603 graduates earning median earnings of $75,859 four years after enrollment. Criminal Justice ranks #8 nationally among nonprofit four-year institutions with 207 graduates earning $66,258, and Psychology, General ranks #58 nationally among nonprofit four-year institutions with graduates earning $57,489. Further down the lineup, Computer Science and Mechanical Engineering round out the top programs, with Azimuth ranking them #81 and #39 nationally among nonprofit four-year institutions respectively.
