University of Dubuque
Dubuque, Iowa · Private Nonprofit · 88.6% acceptance rate
ROI Score: 33/100 · Below Benchmark
Data: 2024-25 College Scorecard release
University of Dubuque, a Presbyterian-affiliated private-nonprofit in eastern Iowa, scores 33 overall - Below Benchmark tier. The numbers tell a familiar small-private-college story: sticker tuition of $42,095, net price of $23,386, four-year total cost $93,544, against earnings of $35,300 at six years and $51,190 at ten years. Median debt of $25,750 produces a 0.729 debt-to-earnings ratio and a 14.4-year payback period. The largest score drag is completion: 40.1% finish, scoring just 21 - meaning roughly 60% of entering students leave without a degree. Repayment at 73.8% is moderate. The institution's notable strength is its aviation program (74 graduates of Air Transportation, with strong four-year earnings of $86,081), and its nursing program shows solid B-grade outcomes. But the broader picture - expensive sticker, moderate net price, weak completion - creates a difficult financial case for most students. The 39.8% Pell rate signals a significant need-based cohort relying on substantial aid.
How University of Dubuque scores under our methodology
These are the College Scorecard measures that pull this school's CampusROI score down. They describe the published figures, not the quality of the education, and they are our reading of the data. Check them against your own aid offer and intended major.
- ROI Score33/100 - Below Benchmark tier of our scale (below 45). For context, 38% of the schools we score reach 60 or higher.
University of Dubuque
Quick Numbers
| In-state tuition + fees | $42,095/yr |
| Out-of-state tuition + fees | $42,095/yr |
| Average net price | $23,386/yr |
| Total 4-year cost (net) | $93,544 |
| Median earnings (10yr post-entry) | $51,190 |
| Average earnings (6yr post-entry) | $35,300 |
| Median debt at graduation | $25,750 |
| Estimated monthly loan payment | $273 |
| Estimated payback period | 14.4 years |
| 6-year graduation rate | 40.1% |
| Undergraduate enrollment | 1,440 |
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: $42,095/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $23,386/year, or roughly $93,544 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 $18,106/year here, while families earning over $110,000 pay $25,908/year.
Among graduates who borrowed, the median federal loan debt from this school is $25,750, which works out to about $273 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($35,300) and comes to 0.73, under 1.0, meaning median debt is less than a full year of those earnings.
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 | $18,106 |
| $30,001 - $48,000 | $19,318 |
| $48,001 - $75,000 | $19,480 |
| $75,001 - $110,000 | $24,660 |
| $110,001+ | $25,908 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families under $30,000 pay $18,106 net - well below the $42,095 sticker. Four-year cost is around $72,400, against $51,190 in 10-year median earnings. Aid materially helps, but four-year cost still exceeds 10-year earnings by ~$21K. The math only works in high-ROI program tracks like nursing and aviation.
Middle-income families ($30K-$110K)
Middle-income families ($48,001-$75,000) pay $19,480 net, with four-year cost roughly $77,900. Brackets march cleanly upward. Median 10-year earnings of $51,190 fall well short of four-year cost - a difficult sell on pure financial terms for the typical student.
Higher-income families ($110K+)
The $75,001-$110,000 bracket pays $24,660 net, and $110,000+ pays $25,908. Four-year cost at the top tier is roughly $103,600. For high-income families this is a values-driven or program-specific (aviation) decision; the ROI math is upside-down at this price point.
Earnings by Major
Top 10 most popular majors at University of Dubuque with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Air Transportation | $86,081 | D |
| Business Administration, Management, and Operations | $62,918 | C+ |
| Kinesiology and Exercise Science | $45,721 | D |
| Criminal Justice and Corrections | $52,578 | C |
| Registered Nursing | $73,710 | B |
| Communication and Media Studies | $48,537 | - |
| Accounting | $63,082 | C |
| Health/Medical Preparatory Programs | $63,655 | - |
| Human Resources Management | $64,648 | C |
| Computer Software and Media Applications | $46,296 | - |
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.
Air Transportation
Aviation is Dubuque's signature program: 74 graduates - the largest cohort - earning $37,362 in year one but jumping to $86,081 by year four. Median debt of $26,250 yields a 0.703 ratio (D grade reflects the year-one number). The dramatic four-year earnings climb reflects the regional-airline-to-major-airline pipeline: low first-officer pay early, much higher captain/major-carrier wages later. Real career mobility once flight hours accumulate.
Registered Nursing
Nursing produces 19 graduates earning $66,628 in year one and $73,710 by year four against $29,750 debt (0.447 ratio, B grade). Smaller cohort than larger UDM-area programs, but solid Tri-State regional outcomes. Reliable healthcare placement in Iowa, Illinois, and Wisconsin border markets.
Business Administration, Management, and Operations
Business Admin is the second-largest program with 43 graduates earning $50,268 in year one and $62,918 by year four against $27,000 debt (0.537 ratio, C+ grade).
Accounting
Accounting produces 11 graduates earning $51,359 in year one and $63,082 by year four against $29,000 debt (0.565 ratio, C grade). Small cohort but solid earnings reflecting CPA-track demand in Iowa regional firms. Manageable debt and steady career path.
Criminal Justice and Corrections
Criminal Justice produces 25 graduates earning $46,307 in year one and $52,578 by year four against $27,000 debt (0.583 ratio, C grade). Flat earnings curve is typical of policing/corrections pay scales; solid first-year earnings reflect Iowa law-enforcement market. Manageable debt-to-earnings.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 72.6% | 68.8% |
| 3-year repayment | 73.8% | 73.6% |
| 5-year repayment | 69.2% | 67.7% |
| 7-year repayment | 69.9% | 72.8% |
Completion Rate
Trends Over Time
How University of Dubuque’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 | 88.6% |
| SAT Math (25th-75th) | 490-610 |
| SAT Reading (25th-75th) | 490-610 |
| ACT Composite (25th-75th) | 18-24 |
| Enrollment | 1,440 |
| Pell Grant recipients | 39.8% |
| Avg faculty salary (monthly) | $7,559 |
Dubuque admits 88.6% of applicants - broadly accessible. SAT mid-ranges (Math 490-610, Reading 490-610) and ACT 18-24 reflect a wide academic profile. The 40.1% completion rate is concerning: high admit rates combined with moderate entering scores and a significant Pell-eligible cohort typically translate to persistence challenges, and Dubuque shows that pattern. Prepared applicants will face nearly automatic admission; the harder question is finishing.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| University of Dubuque (this school) | 33 | $23,386 | $51,190 |
| Briar Cliff University | 46 | $23,907 | $54,475 |
| Buena Vista University | 39 | $18,846 | $49,156 |
| University of Pikeville | 33 | $20,311 | $48,231 |
| Chaminade University of Honolulu | 31 | $28,856 | $52,343 |
| Atlantic University | 26 | $6,425 | $25,272 |
Who Thrives Here
Dubuque fits Midwestern students drawn to a 1,440-student Presbyterian liberal-arts environment, especially aviation/flight-track students (a national specialty here), future nurses, business students, and education professionals. Pell rate of 39.8% indicates a substantial need-based cohort. The institution's flight-training program is the unique product - students enrolling for that pipeline have the most distinctive value proposition. Other tracks face the standard small-private-college earnings/cost tension.
The Verdict: Below Benchmark Under Our Scoring
Under our methodology, University of Dubuque scores 33/100, which falls in the Below Benchmark tier (below 45). At a net price of $23,386 per year, with typical graduate earnings of $51,190 ten years after entry, we estimate the payback period at about 14.4 years. In our view that makes the financial case a hard one to make on the numbers alone, but those numbers are averages: your major, your aid package and what you want from a degree all change the picture, so run your own numbers before you commit.
What to keep an eye on: weak earnings relative to cost, its 40.1% graduation rate, a debt-to-earnings ratio of 0.73 (median across the schools we score: 0.61), a long payback period.
Median debt of $25,750 among graduates who borrowed, against average earnings of $35,300 six years after entry, gives a debt-to-earnings ratio of 0.73. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. Your major - and how much you borrow - really matters.
University of Dubuque: Common Questions
Is University of Dubuque worth it?
In our view, the financial case is a hard one to make on the numbers alone. University of Dubuque scores 33/100 on our ROI scale, in the Below Benchmark tier (below 45). At $23,386 a year after aid against $51,190 in typical earnings ten years out, we estimate the payback period at about 14.4 years. Your major and aid package can change the picture, so run your own numbers.
How much does University of Dubuque 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 $23,386 a year, or roughly $93,544 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 University of Dubuque graduates earn?
The typical graduate earns about $51,190 ten years after enrolling, roughly $9,390 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 University of Dubuque?
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 14.4 years for University of Dubuque. The median across the schools we track is about 12 years.
How much debt do University of Dubuque graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $25,750, against average earnings of $35,300 six years after entry - a debt-to-earnings ratio of 0.73. That is under 1.0 (a full year of those earnings); the median across the schools we score is about 0.61. How much you borrow really matters.
What is the graduation rate at University of Dubuque?
The six-year graduation rate is 40.1%. 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.
NewsletterCollege decisions are better with data.
From CampusROI, when there is something worth acting on.
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.