Binghamton University
Vestal, New York · Public · 38.6% acceptance rate
ROI Score: 89/100 · Strong Value
Binghamton University
Strong ValueQuick Numbers
| In-state tuition + fees | $10,567/yr |
| Out-of-state tuition + fees | $30,447/yr |
| Average net price | $21,620/yr |
| Total 4-year cost (net) | $86,480 |
| Median earnings (10yr post-entry) | $80,596 |
| Median earnings (6yr post-entry) | $47,700 |
| Median debt at graduation | $18,500 |
| Estimated monthly loan payment | $196 |
| Estimated payback period | 5 years |
| 6-year graduation rate | 81.6% |
| Undergraduate enrollment | 14,655 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
Net Price by Family Income
What families actually pay after grants and scholarships, by income bracket.
| Family Income | Avg Net Price/Year |
|---|---|
| $0 - $30,000 | $12,171 |
| $30,001 - $48,000 | $15,281 |
| $48,001 - $75,000 | $20,347 |
| $75,001 - $110,000 | $23,533 |
| $110,001+ | $28,475 |
Earnings by Major
Top 10 most popular majors at Binghamton University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Biology | $66,816 | D |
| Psychology | $67,249 | C |
| Economics | $81,040 | B |
| Neurobiology and Neurosciences | $77,478 | D |
| Registered Nursing | $108,691 | B+ |
| Multi/Interdisciplinary Studies, Other | $72,955 | D |
| Finance and Financial Management | $115,013 | A |
| Accounting | $106,323 | B+ |
| Natural Resources Conservation | $55,579 | C |
| International Relations | $73,044 | C+ |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
The Full Financial Picture
The sticker price at Binghamton University is $10,567/year ($30,447/year out-of-state). But sticker price isn't what most students pay. After grants, scholarships, and financial aid, the average student pays a net price of $21,620/year, or roughly $86,480 over four years.
That net price varies significantly by family income. The lowest-income families (under $30,000/year) pay an average of $12,171/year, while families earning over $110,000 pay $28,475/year.
The median graduate leaves with $18,500 in federal loan debt, translating to an estimated monthly payment of $196 on a standard 10-year repayment plan. Against median earnings of $80,596 ten years out, the debt-to-earnings ratio is 0.39 - well within manageable territory.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Nat'l Avg |
|---|---|---|
| 1-year repayment | 76.9% | 52.0% |
| 3-year repayment | 80.6% | 62.0% |
| 5-year repayment | 79.1% | 68.0% |
| 7-year repayment | 82.1% | 72.0% |
Completion Rate
Admissions Snapshot
| Acceptance rate | 38.6% |
| SAT Math (25th-75th) | 670-760 |
| SAT Reading (25th-75th) | 670-740 |
| ACT Composite (25th-75th) | 30-32 |
| Enrollment | 14,655 |
| Pell Grant recipients | 28.1% |
| Avg faculty salary (monthly) | $11,086 |
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Binghamton University (this school) | 89 | $21,620 | $80,596 |
| CUNY Bernard M Baruch College | 92 | $3,033 | $75,971 |
| University of California-Santa Barbara | 90 | $16,109 | $74,915 |
| University of Georgia | 88 | $13,936 | $68,726 |
| Clemson University | 86 | $22,253 | $71,513 |
| CUNY Brooklyn College | 81 | $3,103 | $60,752 |
The Verdict: The Investment Pays Off
Binghamton University delivers above-average financial returns for its graduates. At a net cost of $21,620 per year ($86,480 over four years), graduates earn a median of $80,596 ten years after enrollment. That puts the payback period at roughly 5 years - a solid return on the investment.
The data highlights several strengths: strong earnings premium over high school graduates, a 81.6% graduation rate, manageable debt relative to earnings.
Median debt of $18,500 is very manageable against $80,596 in annual earnings - well within the financial advisor rule of thumb that total debt should not exceed first-year salary.
Rankings & Links
Guides & Tools
Data: College Scorecard API (U.S. Department of Education)
Vintage: 2024-2025 · Last updated: 2026-03-25
Earnings reflect median outcomes for all federal financial aid recipients. Individual results vary by major, effort, and career path.