University of Oregon vs Montclair State University
Side-by-side ROI comparison using U.S. Department of Education data. Which school delivers a better financial return?
ROI Score Comparison
The Financial Comparison
Montclair State University holds a 3-point ROI advantage over University of Oregon, scoring 71/100 versus 68/100. That gap reflects meaningful differences in how costs, earnings, and debt stack up for graduates of each institution.
On cost, Montclair State University comes in at $15,566 per year (net price after aid) versus $22,182 at University of Oregon - a difference of $6,616 annually, or roughly $26,464 over four years.
Ten years after enrollment, Montclair State University graduates earn a median of $61,415 compared to $61,324 at University of Oregon. The payback period is 8.7 years at University of Oregon versus 7.7 years at Montclair State University.
Graduates leave University of Oregon with a median $20,139 in debt versus $22,000 at Montclair State University. The debt-to-earnings ratios are 0.51 and 0.58 respectively - financial advisors generally recommend staying below 1.0.
Head-to-Head Numbers
| Metric | University of Oregon | Montclair State Universit... |
|---|---|---|
| Cost | ||
| In-State Tuition | $16,137 | $15,912 |
| Out-of-State Tuition | $44,598 | $26,022 |
| Net Price (avg) | $22,182 | $15,566 |
| Total 4-Year Cost | $88,728 | $62,264 |
| Outcomes | ||
| Median Earnings (6yr) | $39,800 | $38,200 |
| Median Earnings (10yr) | $61,324 | $61,415 |
| Graduation Rate | 71.7% | 64.7% |
| Payback Period | 8.7 yr | 7.7 yr |
| Debt | ||
| Median Debt | $20,139 | $22,000 |
| Monthly Payment | $214 | $233 |
| Debt-to-Earnings | 0.51 | 0.58 |
| 3yr Repayment Rate | 69.7% | 72.5% |
| 5yr Repayment Rate | 67.8% | 71.7% |
| Admissions | ||
| Acceptance Rate | 88.3% | 87.9% |
| Enrollment | 20,497 | 18,376 |
| SAT Range | 1130-1360 | 910-1210 |
Net Price by Family Income
Average annual net price after grants and scholarships, by household income bracket.
| Family Income | University of Oregon | Montclair State Univ... |
|---|---|---|
| $0-$30,000 | $15,909 | $10,880 |
| $30,001-$48,000 | $15,760 | $11,532 |
| $48,001-$75,000 | $18,364 | $16,388 |
| $75,001-$110,000 | $24,704 | $22,058 |
| $110,001+ | $31,021 | $25,573 |
Earnings by Major - Head to Head
Median earnings for majors offered at both schools. Green highlights the higher figure.
| Major | University of Oregon | Montclair State Univ... |
|---|---|---|
| Computer and Information Sciences | $100,540 | $79,692 |
| Accounting | $85,438 | $84,906 |
| Mathematics | $82,191 | $68,371 |
| Chemistry | $81,984 | $74,401 |
| Economics | $75,695 | $66,148 |
| Physics | $75,160 | $39,740 |
| Communication and Media Studies | $70,532 | $59,247 |
| Biology | $51,459 | $67,541 |
| Geological and Earth Sciences | $52,007 | $65,826 |
| Design and Applied Arts | $65,573 | $56,176 |
| International Relations | $62,408 | $60,984 |
| Romance Languages | $57,106 | $55,208 |
| Geography and Cartography | $56,165 | $53,285 |
| Journalism | $55,615 | $53,579 |
| Sociology | $55,204 | $52,053 |
ROI Sub-Score Breakdown
| Component | University of Oregon | Montclair State Univ... |
|---|---|---|
| Earnings Premium (30%) | 66 | 84 |
| Payback Period (25%) | 71 | 78 |
| Debt / Earnings (20%) | 72 | 56 |
| Completion Rate (15%) | 81 | 68 |
| Repayment Rate (10%) | 39 | 47 |
| Overall ROI Score | 68 | 71 |
The Verdict
These two schools are closely matched on financial outcomes. Montclair State University edges out University of Oregon by 3 points (71 vs 68), but the difference is small enough that major choice and individual circumstances will matter more than the school-level ROI difference. Run the numbers for your specific situation using the calculator below.
Want to personalize these numbers?
The ROI calculator lets you plug in your financial aid, intended major, and living situation for a tailored comparison.
University of Oregon
Fair Value - Full profile and breakdown
Montclair State University
Fair Value - Full profile and breakdown
Data from the U.S. Department of Education College Scorecard, as of 2024-2025. Earnings are measured 6 and 10 years after enrollment. Net prices reflect average aid for first-time, full-time students.See full methodology.