Head-to-Head Comparison
University of Massachusetts-Amherst vs University of San Francisco
- Massachusetts-Amherst Wins
- 20
- Tied
- 18
- San Francisco Wins
- 16
Direct Answer
For overall financial value, University of Massachusetts-Amherst offers a significantly safer investment tier. With an annual cost of $22,383 vs University of San Francisco's $41,431, University of Massachusetts-Amherst delivers strong outcomes at a fraction of the price. For students prioritizing lower student debt over initial institution prestige, University of Massachusetts-Amherst's lower price point delivers a highly efficient debt-to-earnings path.
54 data points compared · Sources: College Scorecard, Opportunity Insights, Times Higher Education, IPEDS
When to Pick Each School
Massachusetts-Amherst
- Lower cost: Average net price of $22,383, roughly $19,048 a year less
- Higher grad rate: 83% of students finish, the higher completion rate of the pair
- Less debt: Median debt of $22,763, the lower of the two
San Francisco
- Higher earnings: Median earnings of $89,812 ten years after enrollment, 25% more than University of Massachusetts-Amherst
The Actual Decision
What are you really choosing between?
Massachusetts-Amherst graduates concentrate in Business & Marketing (17% of degrees); San Francisco in Business & Marketing (18%). 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 San Francisco over University of Massachusetts-Amherst. Median earnings of $89,812 ten years after enrollment vs $71,631.
Pick University of Massachusetts-Amherst over University of San Francisco. Net price $22,383 vs $41,431.
Pick University of Massachusetts-Amherst over University of San Francisco. 83% completion rate vs 71%.
Key Metrics at a Glance
Graduation Rate
Earnings (10yr)
Avg Net Price
Median Debt
The Analysis
Verdict
University of Massachusetts-Amherst and University of San Francisco are close on paper, but University of Massachusetts-Amherst 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
University of Massachusetts-Amherst is the harder admit. It takes 60% of applicants, while University of San Francisco takes 62%. Its entering class also posts the higher average SAT, 1,423 to 1,295.
So what: If test scores and a high-scoring peer group matter to you, University of Massachusetts-Amherst 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 $19,048 a year below University of San Francisco's $41,431. Graduates of University of Massachusetts-Amherst also borrow less: median debt of $22,763, against $23,000.
So what: Over four years, the gap adds up to about $76,192 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, University of San Francisco graduates report median earnings of $89,812, compared with $71,631 at University of Massachusetts-Amherst. That is a 25% advantage. Set against borrowing, University of San Francisco has the lower debt-to-earnings ratio, 0.26x to 0.32x.
So what: An earnings gap of 25% 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 Massachusetts-Amherst graduates a larger share of its students, 83% versus 71%. More of its students stay on track to a degree.
So what: A completion gap of 13% 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 University of San Francisco 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 $19,048 a year, yet University of San Francisco graduates earn $18,181 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. University of Massachusetts-Amherst concentrates enrollment in Biology & Biomedical, Social Sciences, while University of San Francisco leans toward Health Professions, Psychology. That split shapes which recruiters come to campus and what your classmates study.
Who Should Look Elsewhere
- Students who want a smaller campus: University of Massachusetts-Amherst's enrollment of 23,671 far exceeds University of San Francisco's 5,287.
- Cost-conscious students: net price of $41,431 runs well above University of Massachusetts-Amherst's $22,383.
Full Data Breakdown
Inside the admissions office
Massachusetts-Amherst holds onto its admits more tightly: 17% of admitted students enroll, versus 6% at San Francisco — a sign of how often it wins head-to-head choices. San Francisco 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
Research (Times HE) 4 metrics
Online Education (IPEDS) 2 metrics
The Overviews
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.
University of San Francisco
San Francisco, CA · Private nonprofit
Students at the University of San Francisco can expect to earn an average of $89,812 within ten years of graduation. This strong earning potential reflects the university's focus on practical skills and career readiness. With an acceptance rate of 62%, the university maintains a balance of accessibility and selectivity.
The Chetty/Opportunity Insights data is not available for this institution, but the outcomes for graduates suggest a solid return on investment. The graduation rate stands at 71%, indicating that a significant majority of students complete their degrees. This completion rate, combined with the potential earnings, points to a pathway for upward mobility.
Tuition at the University of San Francisco has a net price of $41,431, which is a notable consideration for prospective students. Graduates carry a median debt of $23,000, which is relatively manageable compared to national averages. Students who thrive here often pursue programs in Business, Health Professions, and Social Sciences, aligning their education with market demand and job opportunities.
Rankings They Appear On
University of San Francisco is featured on the Best Nursing Colleges in California ranking.
Top Degree Programs
Both schools share Business Administration as their top enrolled program field, comprising 17% of Massachusetts-Amherst's student body and 18% of San Francisco's.
Massachusetts-Amherst
Career Pathways
Program strengths at these schools feed into careers like Software Developer, Data Scientist, Cybersecurity Analyst (for Massachusetts-Amherst) and Registered Nurse, Nurse Practitioner, Physician Assistant (for San Francisco).
The two schools feed different job markets. University of Massachusetts-Amherst is strongest in Biology & Biomedical, Computer Science & IT, while University of San Francisco concentrates in Health Professions, Psychology. 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.
Massachusetts-Amherst
Frequently Asked Questions
Is it harder to get into University of Massachusetts-Amherst or University of San Francisco?
University of Massachusetts-Amherst is harder to get into, admitting 60% of applicants compared with 62% at University of San Francisco.
Which is more affordable, University of Massachusetts-Amherst or University of San Francisco?
University of Massachusetts-Amherst is more affordable, with an average net price of $22,383 after aid versus $41,431 at University of San Francisco.
Do University of Massachusetts-Amherst or University of San Francisco graduates earn more?
University of San Francisco graduates earn more: median earnings of $89,812 ten years after enrollment, versus $71,631 at University of Massachusetts-Amherst.
Which has a better graduation rate, University of Massachusetts-Amherst or University of San Francisco?
University of Massachusetts-Amherst has the higher graduation rate, 83% versus 71%.
Should you choose University of Massachusetts-Amherst or University of San Francisco?
It depends on what you weigh most. Choose University of Massachusetts-Amherst if affordability and lower debt come first; choose University of San Francisco 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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