Head-to-Head Comparison
Colgate University vs University of Massachusetts-Amherst
- Colgate Wins
- 22
- Tied
- 16
- Massachusetts-Amherst Wins
- 12
Direct Answer
For overall financial value, University of Massachusetts-Amherst offers a significantly safer investment tier. While Colgate University achieves a higher graduation rate (91% vs 83%), its annual cost of attendance sits at $28,786 compared to University of Massachusetts-Amherst's $22,383 for in-state paths. Students who choose University of Massachusetts-Amherst benefit from a cost structure that keeps debt manageable while maintaining competitive graduate earnings of $71,631 at ten years.
50 data points compared · Sources: College Scorecard, Opportunity Insights, Times Higher Education, IPEDS
When to Pick Each School
Colgate
- Higher earnings: Median earnings of $85,139 ten years after enrollment, 19% more than University of Massachusetts-Amherst
- Higher grad rate: 91% of students finish, the higher completion rate of the pair
- Less debt: Median debt of $15,000, the lower of the two
- More selective: Admits 14% of applicants, which makes for a more competitive peer group
Massachusetts-Amherst
- Lower cost: Average net price of $22,383, roughly $6,403 a year less
The Actual Decision
What are you really choosing between?
Colgate graduates concentrate in Social Sciences (34% of degrees); Massachusetts-Amherst in Business & Marketing (17%). If you already know the field you want, the choice is mostly made for you.
Based on each school's share of degrees by field (College Scorecard). It shows where graduates actually concentrate, not the only path a school offers.
Which School Fits You?
Pick Colgate University over University of Massachusetts-Amherst. Median earnings of $85,139 ten years after enrollment vs $71,631.
Pick University of Massachusetts-Amherst over Colgate University. Net price $22,383 vs $28,786.
Pick Colgate University over University of Massachusetts-Amherst. 91% completion rate vs 83%.
Key Metrics at a Glance
Graduation Rate
Earnings (10yr)
Avg Net Price
Median Debt
The Analysis
Verdict
Colgate University and University of Massachusetts-Amherst are close on paper, but Colgate University wins the head-to-head, leading on 4 of the core measures (selectivity, cost, earnings, completion, mobility, and debt). The right pick still depends on how you weight them.
Getting in
Colgate University is the harder admit. It takes 14% of applicants, while University of Massachusetts-Amherst takes 60%. Its entering class also posts the higher average SAT, 1,508 to 1,423.
So what: If test scores and a high-scoring peer group matter to you, Colgate University sets the higher bar. The less selective school is easier to get into, which can work in your favor rather than against it.
What it costs
On price, University of Massachusetts-Amherst comes out ahead. Its average net price after aid is $22,383, about $6,403 a year below Colgate University's $28,786. Graduates of Colgate University also borrow less: median debt of $15,000, against $22,763.
So what: Over four years, the gap adds up to about $25,612 before any change in aid. Choosing University of Massachusetts-Amherst leaves that money available for graduate school, savings, or simply less borrowing.
What graduates earn
Ten years after enrollment, Colgate University graduates report median earnings of $85,139, compared with $71,631 at University of Massachusetts-Amherst. That is a 19% advantage. Set against borrowing, Colgate University has the lower debt-to-earnings ratio, 0.18x to 0.32x.
So what: An earnings gap of 19% this early in a career tends to widen, since raises build on the higher base. Of the measures on this page, this one carries the most financial weight.
Finishing the degree
Colgate University graduates a larger share of its students, 91% versus 83%. More of its students stay on track to a degree.
So what: A completion gap of 8% is a risk measure. Students at the school with the lower rate face higher odds of leaving with debt and no degree, the most expensive outcome in higher education.
Recommendation
Bottom line: pick University of Massachusetts-Amherst to keep costs and debt down; pick Colgate University for the higher earnings ceiling.
Data certainty: High. Both schools report 5 of 6 core signals used here; where one school is missing a figure, that row is left out of the comparison rather than estimated.
Counterintuitive Insights
The cheaper school is not the lower-earning one here. University of Massachusetts-Amherst saves about $6,403 a year, yet Colgate University graduates earn $13,508 more ten years after enrollment. The cost advantage and the earnings premium sit at different schools, so your time horizon decides which counts more.
Their academic identities diverge. Colgate University concentrates enrollment in Computer Science & IT, while University of Massachusetts-Amherst leans toward Business & Marketing. That split shapes which recruiters come to campus and what your classmates study.
Who Should Look Elsewhere
- Cost-conscious students: net price of $28,786 runs well above University of Massachusetts-Amherst's $22,383.
- Business and consulting-track students: Colgate University has less business program depth, and University of Massachusetts-Amherst offers the stronger options.
- Students minimizing debt: median debt is $22,763, against $15,000 at Colgate University.
- Students who want a smaller campus: University of Massachusetts-Amherst's enrollment of 23,671 far exceeds Colgate University's 3,180.
Full Data Breakdown
Inside the admissions office
Colgate holds onto its admits more tightly: 29% of admitted students enroll, versus 17% at Massachusetts-Amherst — a sign of how often it wins head-to-head choices. Colgate offers a binding Early Decision round that can lift your odds; Massachusetts-Amherst does not, so there is no early-commitment lever to pull there.
Source: each school's published Common Data Set, via collegedata.fyi.
Overview 5 metrics
Admissions 4 metrics
Admissions Strategy (Common Data Set) 6 metrics
Cost & Financial Aid 9 metrics
Academics 5 metrics
Student Body 6 metrics
Outcomes 6 metrics
Social Mobility (Chetty) 4 metrics
Social Capital 3 metrics
Online Education (IPEDS) 2 metrics
The Overviews
Colgate University
Hamilton, NY · Private nonprofit
With an acceptance rate of just 14%, Colgate University attracts students who are serious about their education and ready to engage deeply with their studies. This school is a great fit for those interested in fields like Social Sciences, Biology, Psychology, Computer Science, and Physical Sciences. The tight-knit community and emphasis on critical thinking make it a place where students can really thrive.
After graduation, Colgate alums see an impressive median earnings of $85,139 after ten years. This strong financial outcome reflects not just the quality of education, but also the commitment of students to leverage their degrees in meaningful ways. While the Pell Grant rate sits at 13%, the majority of students manage to find success in their careers, illustrating that hard work and dedication pay off.
On the practical side, the net price after aid stands at $28,786, which is manageable compared to the potential earnings. The median debt of $15,000 is relatively low, suggesting that most students graduate with a solid financial footing. Those who tend to thrive here are motivated individuals seeking a challenging academic environment and who value the connections made during their time at Colgate.
University of Massachusetts-Amherst
Amherst, MA · Public
With an enrollment of 23,671 students, the University of Massachusetts-Amherst is a great fit for those looking for a diverse and vibrant campus life. It stands out for its strong programs in Business & Marketing, Social Sciences, Biology & Biomedical, Psychology, and Engineering. Students here are often engaged in a wide range of studies, reflecting both academic rigor and practical application. The acceptance rate of 60% means that while it’s accessible, there’s still a competitive edge that can stimulate personal growth.
Graduates from UMass-Amherst can expect solid outcomes, with a median earning of $71,631 ten years after graduation. This figure speaks volumes about the potential return on investment. It’s encouraging to know that students can find rewarding careers, especially considering the affordability of education here. The net price after aid is $22,383, which positions the school as a reasonable choice for many families.
When it comes to finances, the median debt stands at $22,763, which is manageable given the earning potential. UMass-Amherst tends to attract students who are motivated and ready to embrace the opportunities that come with a public university experience. With 20% of students receiving Pell Grants, there’s a commitment to supporting diverse socioeconomic backgrounds. Overall, this school nurtures those who are eager to thrive both academically and professionally after graduation.
Rankings They Appear On
Colgate University is featured on the Best Biology Colleges in New York ranking.
Top Degree Programs
Colgate's top program is Sociology (34% of enrollment), while Massachusetts-Amherst leads with Business Administration (17%).
Massachusetts-Amherst
Career Pathways
Program strengths at these schools feed into careers like Software Developer, Data Scientist, Cybersecurity Analyst (for Colgate) and Software Developer, Data Scientist, Cybersecurity Analyst (for Massachusetts-Amherst).
The two schools feed different job markets. Colgate University is strongest in Psychology, while University of Massachusetts-Amherst concentrates in Business & Marketing. Those concentrations determine which recruiters show up on campus and where alumni cluster by industry. Match the school's program strengths to the field you plan to enter.
Frequently Asked Questions
Is it harder to get into Colgate University or University of Massachusetts-Amherst?
Colgate University is harder to get into, admitting 14% of applicants compared with 60% at University of Massachusetts-Amherst.
Which is more affordable, Colgate University or University of Massachusetts-Amherst?
University of Massachusetts-Amherst is more affordable, with an average net price of $22,383 after aid versus $28,786 at Colgate University.
Do Colgate University or University of Massachusetts-Amherst graduates earn more?
Colgate University graduates earn more: median earnings of $85,139 ten years after enrollment, versus $71,631 at University of Massachusetts-Amherst.
Which has a better graduation rate, Colgate University or University of Massachusetts-Amherst?
Colgate University has the higher graduation rate, 91% versus 83%.
Should you choose Colgate University or University of Massachusetts-Amherst?
It depends on what you weigh most. Choose University of Massachusetts-Amherst if affordability and lower debt come first; choose Colgate University if you're optimizing for post-grad earnings. The two schools win on different measures, so the better fit is the one whose strengths match your priorities.
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