-100%
3-year cohort default rate
3-year cohort default rate at University of Minnesota-Duluth fell 100% between 2021 and 2024 (0.4% → 0.0%).
Minnesota · Public · Predominantly bachelor's
University of Minnesota-Duluth
Duluth, Minnesota. 7,475 undergraduate students. 133 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at University of Minnesota-Duluth
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.
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. Minnesota
Each tile compares this institution to the Minnesota median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$62,616+19% · 6→10y
Minnesota median $48,321$52,840
Treasury earnings · 6y post-entry64.5%+59% · '97→'24
Minnesota median 54.7%$16,000+272% · '97→'20
At program completion7,475-18% · '96→'24
latest IPEDS80.8%+7% · '04→'24
first-time, full-time81.8%+11% · '01→'24
latest cohort$14,318+203% · '00→'24
out-of-state $19,762SECTION 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
3.4%Median federal debt $16,000 amortized over 10 years vs. median earnings $62,616 (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.
150%-time completion rate.
Median federal student debt at exit.
+59%
University of Minnesota-Duluth · completion · 150% rose
40.6% → 64.7%
+163%
University of Minnesota-Duluth · completion · 100% rose
18.0% → 47.2%
+203%
University of Minnesota-Duluth · in-state tuition rose
$4,818 → $14,610
+55%
University of Minnesota-Duluth · out-of-state tuition rose
$13,015 → $20,130
+272%
University of Minnesota-Duluth · median debt rose
$5,914 → $22,024
-100%
University of Minnesota-Duluth · cohort default rate fell
3.2% → 0.0%
+38%
University of Minnesota-Duluth · earnings_median_10yr rose
$45,400 → $62,616
+39%
University of Minnesota-Duluth · earnings_median_8yr rose
$41,600 → $57,662
+42%
University of Minnesota-Duluth · earnings_median_6yr rose
$37,300 → $52,840
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.
Computer Science.$94,445Mechanical Engineering.$91,075Chemical Engineering.$90,849Electrical, Electronics and Communications Engineering.$89,756Statistics.$83,264Computer Systems Networking and Telecommunications.$81,784Finance and Financial Management Services.$81,046Civil Engineering.$80,494Accounting and Related Services.$76,462Health and Medical Administrative Services.$75,500Mathematics.$74,490Marketing.$74,486Chemistry.$73,736Biochemistry, Biophysics and Molecular Biology.$71,742Economics.$68,688Business Administration, Management and Operations.$65,463Health and Physical Education/Fitness.$64,905Criminology.$64,784Cell/Cellular Biology and Anatomical Sciences.$64,195Political Science and Government.$63,212Communication Disorders Sciences and Services.$62,612Biology, General.$59,593Natural Resources Conservation and Research.$58,406Communication and Media Studies.$57,878
Showing top 24 of 34 ranked programs.
SECTION 06 · BY CIP FAMILY
34 programs with earnings, grouped
Programs are grouped by 2-digit CIP family. Programs without reported earnings are hidden to keep the list focused.
COMPUTER & INFORMATION SCIENCES · CIP 11
EDUCATION · CIP 13
ENGINEERING · CIP 14
FOREIGN LANGUAGES · CIP 16
ENGLISH LANGUAGE & LITERATURE · CIP 23
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
MATHEMATICS & STATISTICS · CIP 27
PARKS, RECREATION & FITNESS · CIP 31
PHYSICAL SCIENCES · CIP 40
PSYCHOLOGY · CIP 42
SOCIAL SCIENCES · CIP 45
VISUAL & PERFORMING ARTS · CIP 50
HEALTH PROFESSIONS · CIP 51
BUSINESS, MANAGEMENT & MARKETING · CIP 52
NATURAL RESOURCES & CONSERVATION · CIP 03
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at University of Minnesota-Duluth
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%.
NET PRESENT VALUE
$333,844
Over 40 years, discounted 5.0%
BREAKEVEN
Year 10
First year cumulative discounted earnings cross zero
- Cost per year
- $11,619
- HS-only baseline · MN
- $39,400
- Years to complete
- 4
- CIP family
- 26
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 Minnesota
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“University of Minnesota-Duluth graduates earn $X” — not “University of Minnesota-Duluth makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending University of Minnesota-Duluth 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.