Rankings / Value

Colleges With the Lowest Student Debt

By David Krug, Co-Founder, CollegeRanker · Updated 2026-05-31 · 50 schools · Agent Insights

Schools Analyzed

$52,125

Avg. Earnings (10yr)

57%

Avg. Graduation Rate

$11,328

Avg. Net Price

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Berea College graduates carry just $3,591 in student debt. This low amount could change a family’s financial future.

Many families search for colleges with the lowest student debt to avoid crippling loans after graduation. They want to understand how education affects earning potential and financial stability. Chetty's data shows that lower debt often leads to better mobility and success.

Berea College stands out with a 60% graduation rate and median earnings of $43,150. In contrast, the University of Puerto Rico at Cayey has a 49% graduation rate and earnings of $30,958. These differences highlight how each school supports students on their path to success.

Key Findings

Berea College graduates have the lowest debt at $3,591.

University of Puerto Rico-Arecibo graduates earn $30,512 with $4,500 debt.

The average earnings across these colleges is $49,472.

The average graduation rate for this list is 55%.

Quick Numbers

Schools ranked 50

Avg. earnings at 10yr $52,125

Avg. graduation rate 57%

Avg. net price $11,328

Avg. median debt $8,639

How We Ranked

Ranked by lowest median debt at graduation

Read our full methodology →

Earnings vs. Cost

Each dot is a ranked school. Up = higher earnings. Right = higher cost. Top-left is the best value.

Graduation Rates

Longer bars = higher graduation rate.

Top 3

Berea College

Berea, KY

Graduation60%

Earnings$43,150

Net Price$6,106

View full profile →

University of Puerto Rico-Arecibo

Arecibo, PR

Graduation51%

Earnings$30,512

Net Price$10,680

View full profile →

University of Puerto Rico at Cayey

Cayey, PR

Graduation49%

Earnings$30,958

Net Price$10,176

View full profile →

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Full Rankings

Berea College

Berea, KY · 1,513 students · Private nonprofit

Berea College has a unique financial model that makes it accessible to many students. With 84% of its students receiving Pell Grants, it focuses on affordability and support for low-income families. The median debt for graduates stands at just $3,591, a strikingly low figure compared to many other institutions.

19% accepted 60% graduate $43,150 earnings

University of Puerto Rico-Arecibo

Arecibo, PR · 2,669 students · Public

With a median earning of $30,512 at ten years after graduation, University of Puerto Rico-Arecibo shows promising financial outcomes for its graduates. The school serves around 2,669 students and has a 51% graduation rate, indicating that many students successfully complete their degrees. Most students here, about 89%, receive Pell Grants, highlighting the university's role in supporting low-income learners.

59% accepted 51% graduate $30,512 earnings

University's full profile

University of Puerto Rico at Cayey

Cayey, PR · 2,069 students · Public

About 76% of students here receive Pell Grants, indicating strong support for low-income families. With a graduation rate of 49%, students often find a tight-knit community that helps them succeed. The median earnings for graduates at 10 years are $30,958, which reflects the potential for a solid return on investment.

53% accepted 49% graduate $30,958 earnings

University's full profile

University of Puerto Rico-Aguadilla

Aguadilla, PR · 1,883 students · Public

With a median earnings figure of $27,997 ten years after graduation, students at the University of Puerto Rico-Aguadilla can anticipate a solid return on their investment. The school has a strong acceptance rate of 81%, welcoming a diverse group of students, including a significant number of Pell Grant recipients at 83%. This creates an inclusive environment, especially for those from lower-income backgrounds.

81% accepted 47% graduate $27,997 earnings

University's full profile

University of Puerto Rico-Carolina

Carolina, PR · 2,404 students · Public

With a 55% acceptance rate, the University of Puerto Rico-Carolina is a popular choice for students in Puerto Rico. The college serves 2,404 students and has a graduation rate of 39%. Students can expect to earn a median income of $30,626 within ten years of graduating.

55% accepted 39% graduate $30,626 earnings

University's full profile

University of Puerto Rico-Bayamon

Bayamon, PR · 2,851 students · Public

The University of Puerto Rico-Bayamon has a diverse community with 87% of students receiving Pell Grants. However, its 34% graduation rate suggests that students may face challenges in completing their degrees.

35% accepted 34% graduate $34,409 earnings

University's full profile

University of Puerto Rico-Humacao

Humacao, PR · 2,529 students · Public

At the University of Puerto Rico-Humacao, 50% of students graduate, which is notable for a public institution. Graduates earn a median of $29,521 after ten years, and the net price after aid is $12,675, making it a more affordable option.

55% accepted 50% graduate $29,521 earnings

University's full profile

University of Puerto Rico-Rio Piedras

San Juan, PR · 8,572 students · Public

The University of Puerto Rico-Rio Piedras, located in San Juan, has an enrollment of 8,572 students and a solid 51% graduation rate. Here, students can expect to earn a median income of $35,723 a decade after graduation, reflecting the strong local economy and job opportunities available to graduates.

55% accepted 51% graduate $35,723 earnings

University's full profile

Albizu University-Miami

Miami, FL · 287 students · Private nonprofit

With a 76% acceptance rate, Albizu University-Miami welcomes a diverse range of students. The median earnings for graduates reach $41,544 at ten years after graduation, showing potential for a solid return on investment.

76% accepted 48% graduate $41,544 earnings

Albizu's full profile

#10

Albizu University-San Juan

San Juan, PR · 728 students · Private nonprofit

Albizu University-San Juan has a unique 100% acceptance rate, making it accessible for many aspiring students. Graduates also earn a median income of $41,544 a decade after completing their degrees, indicating good career prospects.

100% accepted 68% graduate $41,544 earnings

Albizu's full profile

#11

University of Puerto Rico at Ponce

Ponce, PR · 2,278 students · Public

Students at the University of Puerto Rico at Ponce enjoy a supportive environment, with 83% of its students receiving Pell Grants. The median debt of $5,500 is manageable, especially given the median earnings of $31,394 a decade after graduation.

52% accepted 48% graduate $31,394 earnings

University's full profile

#12

Inter American University of Puerto Rico-Barranquitas

Barranquitas, PR · 937 students · Private nonprofit

Inter American University of Puerto Rico-Barranquitas is a private nonprofit school with an acceptance rate of 86%. Serving 937 students, it has a graduation rate of 38% and offers a median income of $23,204 for graduates ten years post-degree. This school may appeal to those looking for a close-knit environment with a focus on student support.

86% accepted 38% graduate $23,204 earnings

Atlantic University

Guaynabo, PR · 1,451 students · Private nonprofit

Atlantic University in Guaynabo is a private nonprofit institution that enrolls 1,451 students. It has a graduation rate of 38% and offers median earnings of $25,272 ten years after graduation. The school’s smaller size may foster more personalized attention and connections among students and faculty.

38% graduate $25,272 earnings

Atlantic's full profile

#14

Inter American University of Puerto Rico-Fajardo

Fajardo, PR · 1,072 students · Private nonprofit

With 83% of its students receiving Pell Grants, this school serves a large number of low-income students. It features a small enrollment of 1,072, allowing for a close-knit community. The 27% acceptance rate indicates a competitive admissions process, which may attract motivated students looking for a supportive environment.

27% accepted 35% graduate $23,132 earnings

Inter American University of Puerto Rico-Aguadilla

Aguadilla, PR · 2,906 students · Private nonprofit

With a graduation rate of 41%, Inter American University of Puerto Rico-Aguadilla may attract students looking for a supportive environment. About 83% of students receive Pell Grants, indicating strong financial need among the student body. This school serves a diverse population, reflecting the community's commitment to education.

42% accepted 41% graduate $24,776 earnings

Inter American University of Puerto Rico-Ponce

Mercedita, PR · 2,404 students · Private nonprofit

Inter American University of Puerto Rico-Ponce has a graduation rate of 42%, attracting students who value a close-knit community. With 80% of students receiving Pell Grants, it shows a commitment to supporting those who may face financial challenges. The acceptance rate of 34% indicates a selective process, appealing to students seeking a dedicated academic environment.

34% accepted 42% graduate $26,721 earnings

Dewey University-Hato Rey

Hato Rey, PR · 244 students · Private nonprofit

With a graduation rate of 53%, Dewey University emphasizes student completion and support. Located in Hato Rey, it has a small student population of 244, fostering personal relationships between students and faculty. The high percentage of Pell Grant recipients (94%) highlights its commitment to accessibility for low-income students.

53% graduate $19,761 earnings

Boricua College

New York, NY · 391 students · Private nonprofit

With a graduation rate of 74%, Boricua College stands out for its strong student support. The median earnings of graduates reach $35,348 after ten years, showcasing successful career outcomes. The college's focus on serving a diverse, often underserved community reflects its mission to provide access to higher education.

74% graduate $35,348 earnings

Boricua's full profile

#19

University of Puerto Rico-Mayaguez

Mayaguez, PR · 9,539 students · Public

University of Puerto Rico-Mayaguez boasts a graduation rate of 48%, which reflects its commitment to student success. With a median income of $48,992 after ten years, graduates enjoy strong earning potential. The 65% of students receiving Pell Grants indicates a diverse socio-economic background among the student population.

57% accepted 48% graduate $48,992 earnings

University's full profile

#20

Johns Hopkins University

Baltimore, MD · 5,693 students · Private nonprofit

The graduation rate here is an impressive 94%. Students can expect to earn a median income of $87,555 ten years after completing their degree. This university is known for its rigorous academics and research opportunities.

6% accepted 94% graduate $87,555 earnings

United States Merchant Marine Academy

Kings Point, NY · 962 students · Public

The United States Merchant Marine Academy has an impressive graduation rate of 81%. This public institution in Kings Point, NY, integrates nautical training with academic study, attracting students interested in maritime careers. The median earnings of $90,610 after ten years are among the highest, appealing to those looking for strong financial outcomes post-graduation.

34% accepted 81% graduate $90,610 earnings

United's full profile

#22

North American University

Stafford, TX · 609 students · Private nonprofit

North American University has a graduation rate of only 29%, suggesting room for improvement in student retention. The net price of $18,721 makes it one of the more affordable options, especially for those who may require financial aid. The school attracts a mix of students, including working adults and those seeking a flexible learning environment.

Wellesley College

Wellesley, MA · 2,300 students · Private nonprofit

Wellesley College, a private nonprofit in Massachusetts, has a remarkable 91% graduation rate. The college has a student body of 2,300, emphasizing a strong academic community for women. Graduates enjoy median earnings of $84,803 within ten years of completing their degree, showcasing the return on investment for students here.

14% accepted 91% graduate $84,803 earnings

Wellesley's full profile

#24

Princeton University

Princeton, NJ · 5,709 students · Private nonprofit

Princeton has an exceptional graduation rate of 97%. The median earnings for graduates reach $110,066 after ten years. This institution is known for its elite academic programs and robust alumni network.

5% accepted 97% graduate $110,066 earnings

Princeton's full profile

#25

Brigham Young University-Hawaii

Laie, HI · 2,889 students · Private nonprofit

Brigham Young University-Hawaii, located in Laie, serves a diverse student body of 2,889. With a graduation rate of 54%, it provides a unique cultural and educational experience. Students can appreciate the oceanfront campus and its connection to Pacific Islander cultures, making it a distinctive place to learn.

47% accepted 54% graduate $52,064 earnings

Brigham's full profile

#26

CUNY Queens College

Queens, NY · 12,550 students · Public

Queens College serves a diverse student body of 12,550. It has a graduation rate of 56%. The affordability is notable, with a net price of just $4,195 after aid, making it an appealing option for many families.

64% accepted 56% graduate $62,763 earnings

Rice University

Houston, TX · 4,776 students · Private nonprofit

Rice University is a private nonprofit institution with a student body of 4,776 and a remarkable 95% graduation rate. Graduates earn a median income of $89,718 a decade after they leave campus. Located in Houston, TX, it attracts academically driven students seeking high-quality education and research opportunities.

8% accepted 95% graduate $89,718 earnings

Inter American University of Puerto Rico-San German

San German, PR · 2,569 students · Private nonprofit

With 83% of students receiving Pell Grants, this school is accessible for many families. The graduation rate is 43%. While this number might seem low, it highlights the challenges some students face in completing their degrees.

42% accepted 43% graduate $25,416 earnings

Puerto Rico Conservatory of Music

San Juan, PR · 307 students · Public

With a 62% graduation rate, students can expect a focused environment at the Puerto Rico Conservatory of Music. The school has a relatively small student body of 307, fostering a close-knit community. Graduates earn a median of $19,474 after ten years, indicating potential for a stable career in music-related fields.

78% accepted 62% graduate $19,474 earnings

Puerto's full profile

#30

Inter American University of Puerto Rico-Bayamon

Bayamon, PR · 3,476 students · Private nonprofit

Located in Bayamon, this private nonprofit institution enrolls 3,476 students, with 34% graduating. The average earnings for alumni reach $29,936 after a decade. The school’s acceptance rate is 40%, creating opportunities for diverse student backgrounds.

40% accepted 34% graduate $29,936 earnings

Brigham Young University

Provo, UT · 32,952 students · Private nonprofit

Brigham Young University has 32,952 students and an 82% graduation rate. Graduates enjoy median earnings of $75,790 ten years post-graduation. Located in Provo, UT, the school emphasizes a values-based education in a supportive community atmosphere.

68% accepted 82% graduate $75,790 earnings

Brigham's full profile

#32

CUNY Lehman College

Bronx, NY · 10,696 students · Public

CUNY Lehman College has a graduation rate of 50% and serves a student population of 10,696. Located in the Bronx, this school attracts a mix of traditional and non-traditional students, with 60% of attendees receiving Pell Grants, highlighting its accessibility for low-income families.

57% accepted 50% graduate $58,013 earnings

Brown University

Providence, RI · 7,226 students · Private nonprofit

Brown University in Providence serves 7,226 students and boasts a 96% graduation rate. The school is known for its flexible curriculum and a strong commitment to undergraduate research. Alumni earn a median of $93,487 after ten years, reflecting the high earning potential of a degree from Brown.

5% accepted 96% graduate $93,487 earnings

CUNY Medgar Evers College

Brooklyn, NY · 3,233 students · Public

With 3,233 students and an acceptance rate of 86%, CUNY Medgar Evers College is welcoming to a broad range of applicants. A graduation rate of 21% may concern some, but the school focuses on community engagement and support for students from diverse backgrounds, with 56% of students receiving Pell Grants.

86% accepted 21% graduate $46,498 earnings

CUNY Brooklyn College

Brooklyn, NY · 10,543 students · Public

CUNY Brooklyn College has a graduation rate of 55% and serves 10,543 students. Located in Brooklyn, it combines academic rigor with a vibrant campus life, appealing to a mix of traditional and non-traditional students, with 57% receiving Pell Grants.

58% accepted 55% graduate $60,752 earnings

CUNY Hunter College

New York, NY · 16,289 students · Public

CUNY Hunter College has 16,289 students and a 59% graduation rate. Graduates earn a median income of $63,163 after ten years. The school is situated in New York City, offering students access to a vibrant urban environment and potential job opportunities.

54% accepted 59% graduate $63,163 earnings

CUNY John Jay College of Criminal Justice

New York, NY · 11,590 students · Public

At CUNY John Jay College, 11,590 students pursue degrees with a focus on criminal justice. The school has a graduation rate of 56% and graduates earn a median of $56,195 a decade after finishing. Located in New York City, it offers strong connections to law enforcement and legal careers.

57% accepted 56% graduate $56,195 earnings

CUNY York College

Jamaica, NY · 4,345 students · Public

CUNY York College serves 4,345 students with a unique focus on diverse academic programs. The graduation rate is low at 31%, but median earnings for graduates reach $56,945 after ten years. Positioned in Jamaica, NY, the college aims to foster community engagement and support for its students.

64% accepted 31% graduate $56,945 earnings

Inter American University of Puerto Rico-Arecibo

Arecibo, PR · 2,220 students · Private nonprofit

With a graduation rate of 37%, Inter American University of Puerto Rico-Arecibo has a diverse student body of 2,220. A significant 77% of students receive Pell Grants, indicating a strong commitment to supporting low-income families.

38% accepted 37% graduate $24,539 earnings

Universidad Central de Bayamon

Bayamón, PR · 539 students · Private nonprofit

Located in Bayamón, this institution has a 37% graduation rate. Only 539 students attend, creating a more intimate learning environment. The acceptance rate is 66%, making it accessible for many applicants.

66% accepted 37% graduate $25,021 earnings

Universidad's full profile

#41

CUNY New York City College of Technology

Brooklyn, NY · 13,580 students · Public

CUNY New York City College of Technology enrolls 13,580 students and has an acceptance rate of 80%. Despite a graduation rate of 20%, the school's strong urban setting and diverse offerings appeal to those seeking hands-on experience in their fields.

80% accepted 20% graduate $49,365 earnings

CUNY Bernard M Baruch College

New York, NY · 16,154 students · Public

CUNY Bernard M Baruch College has a median earnings figure of $75,971 at ten years after graduation. Located in New York City, this public college serves over 16,000 students. The diverse student body includes a significant 57% of Pell Grant recipients, showcasing its commitment to accessibility and support for low-income students.

48% accepted 72% graduate $75,971 earnings

Stanford University

Stanford, CA · 7,554 students · Private nonprofit

Stanford University has a graduation rate of 92%. That means most students graduate on time, which can lead to better job prospects. The median earnings for graduates ten years after enrollment reach $124,080, showing strong financial outcomes for alumni.

4% accepted 92% graduate $124,080 earnings

Stanford's full profile

#44

Pomona College

Claremont, CA · 1,666 students · Private nonprofit

Pomona College has an impressive graduation rate of 93%, which reflects its strong student support system. As a private nonprofit institution in Claremont, California, it has a smaller student body of about 1,666, fostering close relationships between students and faculty. Only 7% of applicants are accepted, highlighting the competitive admissions process for those seeking a focused liberal arts education.

7% accepted 93% graduate $77,779 earnings

Pomona's full profile

#45

Florida College

Temple Terrace, FL · 588 students · Private nonprofit

Graduates from Florida College earn a median income of $43,445 within ten years of completing their degree. With a 53% graduation rate, students may find a supportive environment, but it’s essential to consider the challenges of completing their education. A diverse group of students, including 23% Pell Grant recipients, adds to the community appeal.

70% accepted 53% graduate $43,445 earnings

Florida's full profile

#46

SUNY College of Environmental Science and Forestry

Syracuse, NY · 1,839 students · Public

With a unique focus on environmental science, SUNY College of Environmental Science and Forestry has a graduation rate of 68%. The college, located in Syracuse, is home to about 1,839 students who are dedicated to sustainability and natural resource management. The 63% acceptance rate suggests that it welcomes a broad range of students, including those passionate about environmental issues.

63% accepted 68% graduate $55,763 earnings

Yale University

New Haven, CT · 6,758 students · Private nonprofit

4% accepted 96% graduate $100,533 earnings

CUNY City College

New York, NY · 12,505 students · Public

CUNY City College serves over 12,500 students and has a graduation rate of 56%. This public college in New York City has a diverse student population, with 61% Pell Grant recipients. The school's commitment to affordability and education accessibility is evident in its programs and support services for underrepresented groups.

60% accepted 56% graduate $66,039 earnings

Duke University

Durham, NC · 6,442 students · Private nonprofit

6% accepted 96% graduate $97,800 earnings

New Mexico Highlands University

Las Vegas, NM · 1,451 students · Public

26% graduate $45,937 earnings

Berea College and the University of Puerto Rico at Arecibo exemplify how student debt can vary widely. Berea’s lower debt of $3,591 facilitates higher earnings of $43,150, while Arecibo’s $4,500 debt corresponds to $30,512 in earnings. This stark contrast reveals the importance of both financial support and institutional effectiveness.

After reviewing these 50 colleges, families should consider how debt fits into their overall college experience. Factor in location, program offerings, and campus culture alongside the numbers. Prioritize what matters most to your student’s journey.

These figures illustrate the broader implications of student debt on a family’s future. A decision to choose a school with lower debt can impact long-term financial health and stability. For one family, this could mean a smoother transition to adulthood without the burden of excessive loans.

Data Sources

U.S. Dept of Education College Scorecard

Opportunity Insights Mobility Report Card

Social Capital Atlas

Times Higher Education World Rankings

NCES IPEDS

Sources & Citations

[1]

Chetty, R., Friedman, J., Saez, E., Turner, N., & Yagan, D. (2017). Mobility Report Cards: The Role of Colleges in Intergenerational Mobility. NBER Working Paper No. 23618. →

[2]

U.S. Department of Education. College Scorecard Data. Federal Student Aid, National Center for Education Statistics. →

[3]

National Center for Education Statistics. Integrated Postsecondary Education Data System (IPEDS). →

David Krug

Co-Founder, CollegeRanker

David Krug is the co-founder of CollegeRanker and a data systems architect focused on making institutional research accessible to families. He builds the data pipelines and ranking algorithms that power CollegeRanker, drawing from federal datasets and Raj Chetty's Opportunity Insights research to measure what traditional rankings ignore: whether a college actually changes a family's economic trajectory.

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