Head-to-Head Comparison
University of Chicago vs University of Massachusetts-Amherst
- Chicago Wins
- 27
- Tied
- 16
- Massachusetts-Amherst Wins
- 9
Direct Answer
For overall financial value, University of Chicago offers a significantly safer investment tier. With an annual cost of $14,860 vs University of Massachusetts-Amherst's $22,383, University of Chicago delivers strong outcomes at a fraction of the price. For students prioritizing lower student debt over initial institution prestige, University of Chicago's lower price point delivers a highly efficient debt-to-earnings path.
52 data points compared · Sources: College Scorecard, Opportunity Insights, Times Higher Education, IPEDS
When to Pick Each School
Chicago
- Higher earnings: Median earnings of $91,885 ten years after enrollment, 28% more than University of Massachusetts-Amherst
- Lower cost: Average net price of $14,860, roughly $7,523 a year less
- Higher grad rate: 95% 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 4% of applicants, which makes for a more competitive peer group
Massachusetts-Amherst
No clear advantage detected in core metrics.
The Actual Decision
What are you really choosing between?
Chicago graduates concentrate in Social Sciences (40% 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 University of Chicago over University of Massachusetts-Amherst. Median earnings of $91,885 ten years after enrollment vs $71,631.
Pick University of Chicago over University of Massachusetts-Amherst. Net price $14,860 vs $22,383.
Pick University of Chicago over University of Massachusetts-Amherst. 95% completion rate vs 83%.
Key Metrics at a Glance
Graduation Rate
Earnings (10yr)
Avg Net Price
Median Debt
The Analysis
Verdict
University of Chicago and University of Massachusetts-Amherst are close on paper, but University of Chicago wins the head-to-head, leading on 5 of the core measures (selectivity, cost, earnings, completion, mobility, and debt). The right pick still depends on how you weight them.
Getting in
University of Chicago is the harder admit. It takes 4% of applicants, while University of Massachusetts-Amherst takes 60%. Its entering class also posts the higher average SAT, 1,554 to 1,423.
So what: If test scores and a high-scoring peer group matter to you, University of Chicago 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 Chicago comes out ahead. Its average net price after aid is $14,860, about $7,523 a year below University of Massachusetts-Amherst's $22,383. Graduates of University of Chicago also borrow less: median debt of $15,000, against $22,763.
So what: Over four years, the gap adds up to about $30,092 before any change in aid. Choosing University of Chicago leaves that money available for graduate school, savings, or simply less borrowing.
What graduates earn
Ten years after enrollment, University of Chicago graduates report median earnings of $91,885, compared with $71,631 at University of Massachusetts-Amherst. That is a 28% advantage. Set against borrowing, University of Chicago has the lower debt-to-earnings ratio, 0.16x to 0.32x.
So what: An earnings gap of 28% 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
University of Chicago graduates a larger share of its students, 95% versus 83%. More of its students stay on track to a degree.
So what: A completion gap of 12% 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 Chicago to keep costs and debt down.
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
Their academic identities diverge. University of Chicago concentrates enrollment in Mathematics & Statistics, Computer Science & IT, while University of Massachusetts-Amherst leans toward Business & Marketing, Biology & Biomedical. That split shapes which recruiters come to campus and what your classmates study.
Who Should Look Elsewhere
- Business and consulting-track students: University of Chicago has less business program depth, and University of Massachusetts-Amherst offers the stronger options.
- Cost-conscious students: net price of $22,383 runs well above University of Chicago's $14,860.
- Students minimizing debt: median debt is $22,763, against $15,000 at University of Chicago.
- Students who want a smaller campus: University of Massachusetts-Amherst's enrollment of 23,671 far exceeds University of Chicago's 7,569.
Full Data Breakdown
Inside the admissions office
Chicago holds onto its admits more tightly: 88% of admitted students enroll, versus 17% at Massachusetts-Amherst — a sign of how often it wins head-to-head choices. Chicago 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. Test scores matter less at Massachusetts-Amherst, where only about 28% of enrolled freshmen submitted any SAT or ACT.
Source: each school's published Common Data Set, via collegedata.fyi.
Overview 5 metrics
Admissions 4 metrics
Admissions Strategy (Common Data Set) 4 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
Research (Times HE) 4 metrics
Online Education (IPEDS) 2 metrics
The Overviews
University of Chicago
Chicago, IL · Private nonprofit
The University of Chicago has an acceptance rate of just 4%, making it one of the most selective institutions in the country. This means students face stiff competition to gain admission, but those who do become part of a community committed to academic excellence. With a graduation rate of 95%, students are likely to earn their degrees and move on to successful careers.
Graduates from the University of Chicago report impressive earnings. After ten years, their median income reaches $91,885. This level of financial success reflects the school’s strong academic programs, particularly in social sciences, biology, and computer science. While the Pell Grant rate is 15%, indicating that a portion of students come from low-income backgrounds, the institution does not provide specific data on economic mobility.
The cost of attendance is $14,860, and the median debt for graduates stands at $15,000. This relatively low debt compared to earnings suggests that students can manage their finances effectively after graduation. The University of Chicago is ideal for high-achieving students who thrive in a rigorous academic environment and are motivated to leverage their education for financial success.
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
University of Chicago is featured on the Highest-Yield Colleges (Most-Loved) ranking.
Top Degree Programs
Chicago's top program is Sociology (40% 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 Chicago) and Software Developer, Data Scientist, Cybersecurity Analyst (for Massachusetts-Amherst).
The two schools feed different job markets. University of Chicago is strongest in Mathematics & Statistics, 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 University of Chicago or University of Massachusetts-Amherst?
University of Chicago is harder to get into, admitting 4% of applicants compared with 60% at University of Massachusetts-Amherst.
Which is more affordable, University of Chicago or University of Massachusetts-Amherst?
University of Chicago is more affordable, with an average net price of $14,860 after aid versus $22,383 at University of Massachusetts-Amherst.
Do University of Chicago or University of Massachusetts-Amherst graduates earn more?
University of Chicago graduates earn more: median earnings of $91,885 ten years after enrollment, versus $71,631 at University of Massachusetts-Amherst.
Which has a better graduation rate, University of Chicago or University of Massachusetts-Amherst?
University of Chicago has the higher graduation rate, 95% versus 83%.
Should you choose University of Chicago or University of Massachusetts-Amherst?
It depends on what you weigh most. Choose University of Chicago if affordability and lower debt come first. The two schools win on different measures, so the better fit is the one whose strengths match your priorities.
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