-100%
3-year cohort default rate
3-year cohort default rate at University of Maryland Baltimore fell 100% between 2021 and 2024 (0.4% → 0.0%).
Maryland · Public · Predominantly bachelor's
University of Maryland Baltimore
Baltimore, Maryland. 959 undergraduate students. 72 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at University of Maryland Baltimore
Short-arc shifts (recent 3-year window), peer outliers, earnings trend breaks, completion drops, enrollment cliffs, and debt-to-earnings warnings — surfaced deterministically from the federal record. Multi-decade shifts are reported separately in the Long Arc section, since 25-year tuition drift isn't really an anomaly.
+45%
Public bachelor's-predominant peer
10-year earnings at University of Maryland Baltimore are 45% above the public bachelor's-predominant peer median ($88.2k vs $60.7k).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Maryland
Each tile compares this institution to the Maryland median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$88,174+7% · 6→10y
Maryland median $46,719$82,754
Treasury earnings · 6y post-entry—
Maryland median 52.1%$15,000+173% · '97→'20
At program completion959+0% · '96→'24
latest IPEDS—
first-time, full-time—
latest cohort—
annualSECTION 02 · EARNINGS HORIZONS
How earnings spread, 4 to 10 years after entry
Treasury tax-record earnings for federally aided students who first enrolled at this institution. Each point is a horizon from the most-recent vintage. Single median per horizon (no p25/p75 publishing).
Earnings widen with time post-entry. Selection: federal-aid recipients only — not all graduates.Methodology →
SECTION 03 · DEBT-TO-EARNINGS
What loans cost relative to earnings
Annual debt service as a share of median earnings 10 years after entry, computed under federal Direct loan terms (10-year fixed at 6%). The 8% line is the gainful-employment threshold from federal regulation; above 12% has historically been considered “failing” under prior rule cycles.
Institution-wide
2.3%Median federal debt $15,000 amortized over 10 years vs. median earnings $88,174 (10y after entry).
SECTION 04 · LONG ARC
Ten-plus year arc
Federally available history. Coverage varies by metric — IPEDS publishes some series only after 2009 and others only before.
Undergraduate enrollment.
Median federal student debt at exit.
+173%
University of Maryland Baltimore · median debt rose
$5,500 → $15,000
-85%
University of Maryland Baltimore · cohort default rate fell
1.7% → 0.0%
-23%
University of Maryland Baltimore · pell share fell
19.0% → 14.6%
SECTION 05 · PROGRAMS
Ranked by 5-year earnings
Each row is one (CIP × credential) program reported by the institution in College Scorecard's Field-of-Study data. Cohort floor is 30 students; below this, federal data is suppressed.
Advanced/Graduate Dentistry and Oral Sciences.$239,901Dentistry.$166,307Medicine.$159,922Pharmacy, Pharmaceutical Sciences, and Administration.$146,531Pharmacy, Pharmaceutical Sciences, and Administration.$132,725Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$117,561Allied Health and Medical Assisting Services.$110,921Law.$109,328Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$88,499Rehabilitation and Therapeutic Professions.$80,970Social Work.$70,072Dental Support Services and Allied Professions.$63,334
SECTION 06 · BY CIP FAMILY
12 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
LEGAL PROFESSIONS · CIP 22
PUBLIC ADMINISTRATION & SOCIAL SERVICES · CIP 44
HEALTH PROFESSIONS · CIP 51
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$88,499Pharmacy, Pharmaceutical Sciences, and Administration.$132,725Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$117,561Medicine.$159,922Pharmacy, Pharmaceutical Sciences, and Administration.$146,531Dentistry.$166,307Rehabilitation and Therapeutic Professions.$80,970Advanced/Graduate Dentistry and Oral Sciences.$239,901Dental Support Services and Allied Professions.$63,334Allied Health and Medical Assisting Services.$110,921
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at University of Maryland Baltimore
Pick a program. Cost from Scorecard net price by family income; earnings from Treasury 5-year-post-completion median, projected forward with a Mincer age-earnings curve. The selection-bias toggle applies the Dale-Krueger shrinkage. Outcomes illustration, not a forecast — see methodology.
Shrinks the earnings premium toward the matched-applicant mean. STEM <15%, business ~40%, arts & education ~60%.
EARNINGS SUPPRESSED
Federal privacy rules suppressed earnings for Social Work · Master's Degree at University of Maryland Baltimore(cohort below 30 students). The calculator can’t produce a number we’d stand behind, so we don’t.
Outcomes illustration · not a forecast. Projects observed Scorecard earnings forward with a Mincer age-earnings curve under your assumptions. See methodology for the math.
SECTION 07 · SIMILAR INSTITUTIONS
Same sector and degree mix in Maryland
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“University of Maryland Baltimore graduates earn $X” — not “University of Maryland Baltimore makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending University of Maryland Baltimore caused. Selection effects (who admits, who enrolls, who completes) are real. We publish federal data with strict descriptive phrasing — and link the methodology where you can read about the limitations directly.