Florida Gulf Coast University
Fort Myers, Florida · Public · 63.4% acceptance rate
ROI Score: 68/100 · Fair Value
Data: 2024-25 College Scorecard release
Florida Gulf Coast University (FGCU) in Fort Myers earns an ROI score of 68 - Fair Value. Only about 6 in 10 students who enroll actually finish. Top-performing programs include Registered Nursing, Civil Engineering, and Biomedical Engineering - the technical programs consistently outperform the school average. The large majority of graduates come from low-earning programs: 276 psychology graduates with 4-year earnings of only $52,722, 276 multi-interdisciplinary studies graduates at $48,879. The fine arts program is an F-grade ROI failure at 4-year earnings of $43,271 against $22,980 in debt.
Florida Gulf Coast University
Quick Numbers
| In-state tuition + fees | $6,118/yr |
| Out-of-state tuition + fees | $25,162/yr |
| Average net price | $12,568/yr |
| Total 4-year cost (net) | $50,272 |
| Median earnings (10yr post-entry) | $54,560 |
| Average earnings (6yr post-entry) | $36,500 |
| Median debt at graduation | $17,622 |
| Estimated monthly loan payment | $187 |
| Estimated payback period | 9.7 years |
| 6-year graduation rate | 57.4% |
| Undergraduate enrollment | 13,874 |
Data as of 2024-2025. Source: College Scorecard API (U.S. Department of Education).
The Full Financial Picture
The first number you'll see is the sticker price: $6,118/year ($25,162/year out-of-state), which covers tuition and fees only. The net price counts books, supplies, and average living costs on top of tuition and fees, then subtracts grants and scholarships. For the average student here it comes to $12,568/year, or roughly $50,272 over four years. That's the number to plan around.
What you actually pay depends a lot on what your family earns. Families making under $30,000/year pay an average of $8,220/year here, while families earning over $110,000 pay $18,829/year.
Among graduates who borrowed, the median federal loan debt from this school is $17,622, which works out to about $187 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($36,500) and comes to 0.48, which in our view is comfortably manageable.
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 | $8,220 |
| $30,001 - $48,000 | $8,191 |
| $48,001 - $75,000 | $10,999 |
| $75,001 - $110,000 | $15,450 |
| $110,001+ | $18,829 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay $8,220 per year. Over four years, that's about $32,900. Against median 10-year earnings of $54,560, this is a reasonable investment for Florida residents - particularly those in nursing or engineering. Florida's Bright Futures scholarship, if earned, can reduce costs further.
Middle-income families ($30K-$110K)
Families in the $30,001-$48,000 bracket pay $8,191 per year - nearly identical to the lowest-income bracket, suggesting flat aid in this range. The $48,001-$75,000 bracket pays $10,999, and $75,001-$110,000 pays $15,450. Cost rises more steeply in the upper-middle range, adding roughly $25,000 over four years compared to the lowest tier.
Higher-income families ($110K+)
Families earning over $110,000 pay $18,829 per year - about $75,000 over four years. The school's completion rate of 57.4% is the main financial risk: if a student doesn't finish, the investment produces no degree and leaves debt.
Earnings by Major
Top 10 most popular majors at Florida Gulf Coast University with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Multi-/Interdisciplinary Studies, General | $48,879 | C |
| Psychology | $52,722 | C |
| Health Services/Allied Health/Health Sciences, General | $54,006 | C |
| Business Administration, Management, and Operations | $66,349 | C+ |
| Biology | $53,352 | D |
| Communication and Media Studies | $56,455 | C+ |
| Criminal Justice and Corrections | $54,215 | C+ |
| Finance and Financial Management | $75,767 | B |
| Marketing | $67,034 | B |
| Security Science and Technology | $52,096 | C |
Earnings reflect median 4-year post-completion (or 1-year where 4-year unavailable). Grades based on debt-to-earnings ratio.
Program Analysis
Why these programs deliver their earnings outcomes.
Registered Nursing
79 graduates with 1-year earnings of $70,964 and 4-year earnings of $86,452. Debt-to-earnings 0.275 (grade: B+). Southwest Florida's healthcare market - driven by a large and growing retiree population - creates persistent demand for nurses. Lee Health and NCH Healthcare both recruit actively from FGCU. At $19,500 median debt, nursing graduates carry modest debt relative to their earnings. This is the strongest ROI program at FGCU and the clearest case for enrolling.
Civil Engineering
56 graduates with 1-year earnings of $64,411 and 4-year earnings of $84,451. Debt-to-earnings 0.302 (grade: B+). Florida's construction boom - residential development, infrastructure, and coastal resilience projects - creates sustained demand for civil engineers statewide. FGCU's civil engineering program feeds into regional construction firms, county engineering departments, and state transportation agencies. At $19,480 median debt, the payback is clear within 4-5 years.
Finance and Financial Management
114 graduates with 1-year earnings of $55,882 and 4-year earnings of $75,767. Debt-to-earnings 0.38 (grade: B). Finance graduates from FGCU enter banking, financial planning, and corporate finance roles in southwest Florida's growing economy. Naples and Fort Myers are home to wealth management firms and regional banks that recruit locally. The earnings trajectory is moderate but steady, and the program's low median debt of $21,239 keeps the investment in reasonable territory.
Criminal Justice and Corrections
120 graduates with 1-year earnings of $40,079 and 4-year earnings of $54,215. Debt-to-earnings 0.54 (grade: C+). Criminal justice is a high-enrollment program where earnings lag the school average. Law enforcement, corrections, and probation roles in Southwest Florida start in the high $30s to low $40s. Students who plan to pursue law school or federal law enforcement may see higher ceilings, but the undergraduate degree alone produces modest returns. At $21,660 median debt, the payback period extends to near the school average.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 64.6% | 68.8% |
| 3-year repayment | 72.3% | 73.6% |
| 5-year repayment | 65.7% | 67.7% |
| 7-year repayment | 70.6% | 72.8% |
Completion Rate
Trends Over Time
How Florida Gulf Coast University’s cost and outcomes have moved across College Scorecard releases (2009-2024).
Average Net Price
Completion Rate
Median Earnings, 10 Years After Entry (as reported)
Earnings reflect borrowers measured 10 years after entry and publish on an irregular cadence with a multi-year reporting lag, so this series shows only the years the Department of Education reported - the data is never interpolated.
Source: U.S. Department of Education College Scorecard, release years shown. Net price and completion are reported annually.
Admissions Snapshot
| Acceptance rate | 63.4% |
| SAT Math (25th-75th) | 510-590 |
| SAT Reading (25th-75th) | 530-610 |
| ACT Composite (25th-75th) | 20-25 |
| Enrollment | 13,874 |
| Pell Grant recipients | 27.9% |
| Avg faculty salary (monthly) | $9,789 |
FGCU admitted 63.4% of applicants. ACT 20-25, SAT math 510-590 and reading 530-610. The admissions profile suggests a range of academic preparation.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
FGCU's primary competitive advantage is southwest Florida's healthcare market - nursing graduates are well-positioned.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Florida Gulf Coast University (this school) | 68 | $12,568 | $54,560 |
| University of Central Florida | 79 | $10,411 | $58,308 |
| Indiana University-Indianapolis | 67 | $11,668 | $55,198 |
| Northern Illinois University | 66 | $13,391 | $57,808 |
| University of North Carolina Wilmington | 59 | $20,109 | $54,967 |
| Florida Agricultural and Mechanical University | 28 | $13,739 | $44,349 |
Head-to-Head ROI Comparisons
See Florida Gulf Coast University side by side with similar schools on ROI, cost, earnings, and debt.
Who Thrives Here
FGCU admits 63.4% of applicants with ACT 20-25 and SAT math 510-590. The 27.9% Pell rate reflects southwest Florida's mix of working-class and retiree-community demographics. Students who thrive here have a specific career destination in mind - nursing, engineering, or healthcare - and complete without detours. Students who drift into general business or liberal arts face a mediocre outcome for the price.
The Verdict: A Reasonable Bet - With Caveats
Florida Gulf Coast University is a fair-value bet, but how well it pays off depends a lot on you. At $12,568 a year after aid ($50,272 over four years), with the typical graduate earning $54,560 a decade out, the cost takes about 9.7 years to earn back. For context, the median payback across the schools we score is about 12 years.
What it has going for it: a strong earnings premium over high school graduates, manageable debt relative to earnings.
Median debt of $17,622 among graduates who borrowed, against average earnings of $36,500 six years after entry, gives a debt-to-earnings ratio of 0.48, under the 1.0 point at which debt would equal a full year of those earnings. Your major matters a lot here: graduates in higher-earning fields will see the better end of this.
Florida Gulf Coast University: Common Questions
Is Florida Gulf Coast University worth it?
In our view, it's a fair-value bet - whether Florida Gulf Coast University is worth it depends a lot on your major and aid package. It scores 68/100 on our ROI scale. At $12,568 a year after aid ($50,272 over four years) against $54,560 in typical earnings a decade out, the cost takes about 9.7 years to earn back. For context, the median payback across the schools we score is about 12 years.
How much does Florida Gulf Coast University cost after financial aid?
The average net price - the cost of attendance (tuition, fees, books, supplies and average living costs) minus grants and scholarships, for full-time, first-time students receiving federal aid - is about $12,568 a year, or roughly $50,272 over four years. Because it counts living costs, it can run above tuition alone. That is the number to plan around. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do Florida Gulf Coast University graduates earn?
The typical graduate earns about $54,560 ten years after enrolling, roughly $12,760 a year more than the median high-school graduate ($41,800, per NCES, 2022). That earnings gap is what has to cover the cost of the degree.
How long does it take to pay off Florida Gulf Coast University?
We estimate the payback period - the time it takes for the earnings bump over a high-school graduate to cover what you spent - at about 9.7 years for Florida Gulf Coast University. The median across the schools we track is about 12 years.
How much debt do Florida Gulf Coast University graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $17,622, against average earnings of $36,500 six years after entry - a debt-to-earnings ratio of 0.48. In our view that is reasonable, though your major matters: higher-earning fields will see the better end of it.
What is the graduation rate at Florida Gulf Coast University?
The six-year graduation rate is 57.4%. The national average for four-year schools is 64% (NCES, 2022). Completion is 15% of our ROI score, since a degree you don't finish rarely pays back.
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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.