Indiana University-Bloomington
Bloomington, Indiana · Public · 78.2% acceptance rate
ROI Score: 84/100 · Strong Value
Data: 2024-25 College Scorecard release
Indiana University-Bloomington scores 84 (Strong Value) on the CampusROI scale. With $44,200 average 6-year earnings, a 7.1-year payback period, an 80.2% completion rate, and in-state tuition of $12,144, IU Bloomington delivers broad-based value for Indiana residents in particular. The Kelley School of Business dominates by volume: Business Administration and Management alone produces 2,457 graduates at $71,100 year-one and $105,583 year-four. Computer Science (184 graduates, $77,909 year-one) and Computer and Information Sciences (292 graduates, $62,350 year-one) add meaningful STEM volume. Economics (74 graduates, $59,142 year-one, $99,653 year-four) shows strong career progression. The program mix is wide - IU has over 40 programs in the dataset - and outcomes fall across the full grade spectrum. Music (137 graduates, $15,911 year-one, F-grade ROI), Drama (36 graduates, F-grade), and Dance (12 graduates) are outliers at the bottom. The $6,324 low-income net price is genuine institutional generosity at the bottom bracket.
Indiana University-Bloomington scores in the top 10% of the schools we score, with strong earnings outcomes relative to cost.
Indiana University-Bloomington
Quick Numbers
| In-state tuition + fees | $12,144/yr |
| Out-of-state tuition + fees | $41,891/yr |
| Average net price | $16,264/yr |
| Total 4-year cost (net) | $65,056 |
| Median earnings (10yr post-entry) | $63,742 |
| Average earnings (6yr post-entry) | $44,200 |
| Median debt at graduation | $19,509 |
| Estimated monthly loan payment | $207 |
| Estimated payback period | 7.1 years |
| 6-year graduation rate | 80.2% |
| Undergraduate enrollment | 37,806 |
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: $12,144/year ($41,891/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 $16,264/year, or roughly $65,056 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 $6,324/year here, while families earning over $110,000 pay $25,128/year.
Among graduates who borrowed, the median federal loan debt from this school is $19,509, which works out to about $207 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($44,200) and comes to 0.44, 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 | $6,324 |
| $30,001 - $48,000 | $7,610 |
| $48,001 - $75,000 | $12,154 |
| $75,001 - $110,000 | $20,204 |
| $110,001+ | $25,128 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Students from the 0-30000 bracket pay $6,324 net price per year - $25,296 over four years. IU Bloomington posts $44,200 average six-year earnings and a 7.1-year payback. Students in Kelley or CS can recover that entire investment in under one year of post-graduation earnings.
Middle-income families ($30K-$110K)
The 48001-75000 bracket pays $12,154 and the 75001-110000 bracket pays $20,204 per year.
Higher-income families ($110K+)
Families above $110,000 pay $25,128 per year, roughly $100,512 over four years. At this price, IU Bloomington remains good value for business and STEM students: Kelley's $105,583 four-year earnings recover the investment in roughly one year of post-graduation income. For arts and humanities, full out-of-pocket is the same $100,512, though the Jacobs School of Music carries non-financial professional value.
Earnings by Major
Top 10 most popular majors at Indiana University-Bloomington with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Business Administration and Management | $105,583 | B+ |
| Public Administration | $77,422 | B |
| Kinesiology and Exercise Science | $68,675 | C+ |
| Communication and Media Studies | $63,855 | C |
| Research and Experimental Psychology | $31,129 | C |
| Computer and Information Sciences | $98,539 | B+ |
| Biology | $65,224 | C |
| Liberal Arts and Sciences | $52,020 | C |
| Computer Science | $114,199 | B+ |
| Public Health | $68,038 | 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.
Business Administration and Management
Kelley School of Business is IU Bloomington's defining program: 2,457 graduates, $71,100 year-one earnings, $105,583 year-four earnings, median debt $19,500, debt-to-earnings ratio 0.274 (ROI grade B+). Year-four earnings exceeding $105,000 against $19,500 debt reflects strong placement into consulting, finance, and technology.
Computer Science
Computer Science produces 184 graduates earning $77,909 at year one and $114,199 at year four, with $20,417 median debt and a 0.262 debt-to-earnings ratio (ROI grade B+). CS at IU Bloomington delivers strong outcomes. Year-four earnings exceeding $114,000 against median debt under $21,000 represents a highly favorable payback structure, particularly for in-state students paying $12,144 annual tuition.
Economics
Economics (74 graduates) earns $59,142 at year one and $99,653 at year four with $20,500 median debt and a 0.347 debt-to-earnings ratio (ROI grade B+). The four-year trajectory to nearly $100,000 reflects strong placement into finance, consulting, and graduate programs. At IU's in-state price, Economics is a compelling value.
Public Administration
Public Administration produces 420 graduates at $47,013 year-one and $77,422 year-four, with $20,731 median debt and a 0.441 debt-to-earnings ratio (ROI grade B). This is SPEA - the School of Public and Environmental Affairs. The four-year trajectory to $77,000 reflects placement into government, nonprofits, consulting, and graduate programs in law and policy. B-grade ROI at IU's price point is a solid outcome for public-sector-oriented students.
Music
Music (137 graduates) produces $15,911 year-one earnings and $28,727 year-four, with $20,769 median debt and a debt-to-earnings ratio of 1.305 (ROI grade F). IU's Jacobs School of Music is world-renowned, and students who graduate go into professional performance, music education, and academic careers - paths that do not register well in Scorecard earnings data. This F-grade reflects the field's earnings structure, not the program's quality. Students should enter fully aware that the financial return is poor by standard metrics.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 78.9% | 68.8% |
| 3-year repayment | 82.1% | 73.6% |
| 5-year repayment | 77.7% | 67.7% |
| 7-year repayment | 81.1% | 72.8% |
Completion Rate
Trends Over Time
How Indiana University-Bloomington’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 | 78.2% |
| SAT Math (25th-75th) | 580-710 |
| SAT Reading (25th-75th) | 590-690 |
| ACT Composite (25th-75th) | 27-33 |
| Enrollment | 37,806 |
| Pell Grant recipients | 16.8% |
| Avg faculty salary (monthly) | $12,043 |
SAT Math 580-710 and Reading 590-690 represent a wide middle range. Admission to IU is not highly selective, but admission to Kelley School of Business is a separate, more competitive process - students interested in business should research Kelley's direct-admit and internal transfer criteria separately.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| Indiana University-Bloomington (this school) | 84 | $16,264 | $63,742 |
| University of Minnesota-Twin Cities | 88 | $16,778 | $69,020 |
| University of Colorado Boulder | 80 | $25,346 | $69,738 |
| University of Houston | 80 | $14,276 | $62,377 |
| Ball State University | 54 | $14,940 | $51,833 |
| Purdue University Fort Wayne | 35 | $13,171 | $45,872 |
Head-to-Head ROI Comparisons
See Indiana University-Bloomington side by side with similar schools on ROI, cost, earnings, and debt.
Who Thrives Here
IU Bloomington enrolls 37,806 undergraduates, making it a large public research university with the amenities and activity density that scale brings. The admissions profile is accessible at 78.2% acceptance; SAT mid-ranges are 580-710 Math and 590-690 Reading, ACT 27-33. Students serious about Kelley School admission face a more competitive internal application process. The campus is residential and social; students who want a traditional large-campus college experience will find it here. Pre-professional students in business, informatics, and nursing will find well-resourced pipelines. Students in arts and humanities should model their specific program outcomes carefully before enrolling.
The Verdict: The Investment Pays Off
For most students, Indiana University-Bloomington pays off. You'd pay about $16,264 a year after aid ($65,056 over four years), and the typical graduate earns $63,742 ten years after enrollment. That puts the payback - the time it takes for the earnings bump to cover what you spent - at roughly 7.1 years, a solid return.
What it has going for it: a strong earnings premium over high school graduates, its 80.2% graduation rate, manageable debt relative to earnings, high loan repayment success.
Median debt of $19,509 among graduates who borrowed, against average earnings of $44,200 six years after entry, gives a debt-to-earnings ratio of 0.44, 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.
Indiana University-Bloomington: Common Questions
Is Indiana University-Bloomington worth it?
In our view, yes - for most students Indiana University-Bloomington pays off. It scores 84/100 on our ROI scale. You'd pay about $16,264 a year after aid ($65,056 over four years), and the typical graduate earns $63,742 ten years after enrollment, so the cost takes roughly 7.1 years to earn back.
How much does Indiana University-Bloomington 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 $16,264 a year, or roughly $65,056 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 Indiana University-Bloomington graduates earn?
The typical graduate earns about $63,742 ten years after enrolling, roughly $21,942 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 Indiana University-Bloomington?
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 7.1 years for Indiana University-Bloomington. The median across the schools we track is about 12 years.
How much debt do Indiana University-Bloomington graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $19,509, against average earnings of $44,200 six years after entry - a debt-to-earnings ratio of 0.44. 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 Indiana University-Bloomington?
The six-year graduation rate is 80.2%, at or above the 64% national average for four-year schools (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.