-100%
3-year cohort default rate
3-year cohort default rate at University of North Carolina at Charlotte fell 100% between 2021 and 2024 (1.7% → 0.0%).
North Carolina · Public · Predominantly bachelor's
University of North Carolina at Charlotte
Charlotte, North Carolina. 23,567 undergraduate students. 203 programs in the federal Field-of-Study dataset.
ANOMALY ENGINE · NOTABLE SIGNALS
What the data flags at University of North Carolina at Charlotte
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.
+26%
Public bachelor's-predominant peer
10-year earnings at University of North Carolina at Charlotte are 26% above the public bachelor's-predominant peer median ($57.3k vs $45.3k).
+17%
100%-time completion
100%-time completion at University of North Carolina at Charlotte rose 17% between 2021 and 2024 (42.8% → 50.1%).
SECTION 01 · OUTCOMES SNAPSHOT
The numbers, vs. North Carolina
Each tile compares this institution to the North Carolina median for the same metric. Sub-line shows the comparison value, not an interpretation. Sparklines trace the federally available history.
$57,289+17% · 6→10y
North Carolina median $36,030$48,812
Treasury earnings · 6y post-entry67.7%+35% · '97→'24
North Carolina median 46.1%$16,500+225% · '97→'20
At program completion23,567+100% · '96→'24
latest IPEDS85.1%+10% · '04→'24
first-time, full-time80.2%+12% · '01→'24
latest cohort$7,214+239% · '00→'24
out-of-state $21,876SECTION 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
3.8%Median federal debt $16,500 amortized over 10 years vs. median earnings $57,289 (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.
+35%
University of North Carolina at Charlotte · completion · 150% rose
51.1% → 69.0%
+124%
University of North Carolina at Charlotte · completion · 100% rose
22.4% → 50.1%
+10%
University of North Carolina at Charlotte · retention rose
77.0% → 85.0%
+100%
University of North Carolina at Charlotte · undergrad enrollment rose
12,220 → 24,453
+239%
University of North Carolina at Charlotte · in-state tuition rose
$2,134 → $7,239
+139%
University of North Carolina at Charlotte · out-of-state tuition rose
$9,404 → $22,492
+225%
University of North Carolina at Charlotte · median debt rose
$6,625 → $21,500
-100%
University of North Carolina at Charlotte · cohort default rate fell
2.8% → 0.0%
+30%
University of North Carolina at Charlotte · earnings_median_10yr rose
$43,900 → $57,289
+28%
University of North Carolina at Charlotte · earnings_median_8yr rose
$40,700 → $52,208
+33%
University of North Carolina at Charlotte · earnings_median_6yr rose
$36,600 → $48,812
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.
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$146,834Business/Managerial Economics.$133,910Business Administration, Management and Operations.$115,989Computer and Information Sciences, General.$115,800Multi/Interdisciplinary Studies, Other.$112,052Biomathematics, Bioinformatics, and Computational Biology.$111,387Computer Engineering.$103,237Management Information Systems and Services.$101,637Computer Science.$93,475Accounting and Related Services.$93,353Computer Science.$90,271Electrical, Electronics and Communications Engineering.$89,970Systems Engineering.$89,128Civil Engineering.$87,011Mechanical Engineering.$85,296Health and Medical Administrative Services.$82,398Civil Engineering.$79,801Construction Engineering Technologies.$79,769Educational Administration and Supervision.$78,564Civil Engineering Technologies/Technicians.$78,553Accounting and Related Services.$78,329Finance and Financial Management Services.$78,144Mechanical Engineering Related Technologies/Technicians.$77,696Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$77,572
Showing top 24 of 69 ranked programs.
SECTION 06 · BY CIP FAMILY
69 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
Teacher Education and Professional Development, Specific Levels and Methods.$45,221Teacher Education and Professional Development, Specific Levels and Methods.$56,996Educational Administration and Supervision.$75,252Student Counseling and Personnel Services.$57,411Special Education and Teaching.$45,769Educational Administration and Supervision.$78,564Special Education and Teaching.$60,167Teacher Education and Professional Development, Specific Subject Areas.$57,839Student Counseling and Personnel Services.$58,446Education, Other.$49,199
ENGINEERING · CIP 14
ENGINEERING TECHNOLOGIES · CIP 15
FOREIGN LANGUAGES · CIP 16
FAMILY & CONSUMER SCIENCES · CIP 19
ENGLISH LANGUAGE & LITERATURE · CIP 23
BIOLOGICAL & BIOMEDICAL SCIENCES · CIP 26
MATHEMATICS & STATISTICS · CIP 27
MULTI/INTERDISCIPLINARY STUDIES · CIP 30
PARKS, RECREATION & FITNESS · CIP 31
PHILOSOPHY & RELIGIOUS STUDIES · CIP 38
PHYSICAL SCIENCES · CIP 40
PSYCHOLOGY · CIP 42
HOMELAND SECURITY & PROTECTIVE SERVICES · CIP 43
PUBLIC ADMINISTRATION & SOCIAL SERVICES · CIP 44
SOCIAL SCIENCES · CIP 45
VISUAL & PERFORMING ARTS · CIP 50
HEALTH PROFESSIONS · CIP 51
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$77,572Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing.$146,834Allied Health Diagnostic, Intervention, and Treatment Professions.$76,181Public Health.$63,365Health and Medical Administrative Services.$82,398
BUSINESS, MANAGEMENT & MARKETING · CIP 52
Finance and Financial Management Services.$78,144Business Administration, Management and Operations.$64,203Marketing.$66,750Accounting and Related Services.$78,329Business Administration, Management and Operations.$115,989Accounting and Related Services.$93,353International Business.$66,742Business/Managerial Economics.$66,922Business/Managerial Economics.$133,910Management Information Systems and Services.$101,637
HISTORY · CIP 54
ARCHITECTURE · CIP 04
AREA, ETHNIC & CULTURAL STUDIES · CIP 05
COMMUNICATION & JOURNALISM · CIP 09
FINANCIAL OUTCOME · ILLUSTRATION
Estimate the financial outcome at University of North Carolina at Charlotte
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
$1,224,389
Over 40 years, discounted 5.0%
BREAKEVEN
Year 5
First year cumulative discounted earnings cross zero
- Cost per year
- $14,014
- HS-only baseline · NC
- $35,600
- Years to complete
- 4
- CIP family
- 11
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 North Carolina
Picked by Carnegie sector × predominant credential level. These are not rankings — just nearest-neighbour surfaces for comparison.
CAUSAL DISCIPLINE
“University of North Carolina at Charlotte graduates earn $X” — not “University of North Carolina at Charlotte makes you earn $X”
Median earnings describe what cohorts earned. They do not describe what attending University of North Carolina at Charlotte 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.