University of Miami
Coral Gables, Florida · Private Nonprofit · 18.9% acceptance rate
ROI Score: 78/100 · Strong Value
Data: 2024-25 College Scorecard release
University of Miami earns a 78 ROI score - Strong Value tier - but the story is split. Business, finance, engineering, and nursing graduates perform well. Life sciences, arts, and humanities graduates do not. The 12,913-student private research university in Coral Gables admits 18.9% of applicants and charges $62,616 sticker tuition. Average net price is $37,244. Earnings reach $54,500 six years out and $75,328 at ten years. The payback period is 7.2 years. The 83.7% completion rate is solid. Finance and Financial Management (213 graduates, $70K starting) and Registered Nursing (245 graduates, $75K starting) are the high-volume, high-earning anchors. Biology graduates start at $17,571. Ecology graduates start at $23,504. Students planning pre-med tracks need to understand that the biology income data reflects students who did not proceed to medical school - the actual earnings for Miami pre-med students who graduate medical school would not appear in this dataset.
University of Miami scores in the top 15% of the schools we score, with strong earnings outcomes relative to cost.
University of Miami
Quick Numbers
| In-state tuition + fees | $62,616/yr |
| Out-of-state tuition + fees | $62,616/yr |
| Average net price | $37,244/yr |
| Total 4-year cost (net) | $148,976 |
| Median earnings (10yr post-entry) | $75,328 |
| Average earnings (6yr post-entry) | $54,500 |
| Median debt at graduation | $17,500 |
| Estimated monthly loan payment | $186 |
| Estimated payback period | 7.2 years |
| 6-year graduation rate | 83.7% |
| Undergraduate enrollment | 12,913 |
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: $62,616/year, which covers tuition and fees only. After grants, scholarships, and aid, the average student here pays a net price of $37,244/year, or roughly $148,976 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 $15,978/year here, while families earning over $110,000 pay $50,352/year.
Among graduates who borrowed, the median federal loan debt from this school is $17,500, which works out to about $186 a month on the standard 10-year repayment plan. Our debt-to-earnings ratio divides that debt by average earnings six years after entry ($54,500) and comes to 0.32, 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 | $15,978 |
| $30,001 - $48,000 | $17,941 |
| $48,001 - $75,000 | $21,768 |
| $75,001 - $110,000 | $27,982 |
| $110,001+ | $50,352 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay $15,978 per year at the University of Miami - over $63,000 for four years.
Middle-income families ($30K-$110K)
The 30-48k bracket pays $17,941 per year and the 48-75k bracket pays $21,768. The 75-110k bracket pays $27,982. The pricing slope is steep across the middle-income range. A family earning $60,000 pays $21,768/year - nearly the same as some public flagship universities.
Higher-income families ($110K+)
Families above $110,000 pay $50,352 per year - close to sticker price. At $50K/year for 4 years, a family pays over $200K for a degree with median 10-year earnings of $75,328. The payback period is 7.2 years. High-income families choosing Miami should focus on the business and finance programs where earnings are strongest. Paying sticker for a biology or theater degree at Miami produces a poor return.
Earnings by Major
Top 10 most popular majors at University of Miami with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Registered Nursing | $92,555 | B+ |
| Finance and Financial Management | $110,240 | A |
| Psychology | $54,290 | C |
| Marketing | $85,935 | B |
| Economics | $92,998 | B |
| Public Relations, Advertising, and Applied Communication | $82,999 | B |
| Health Services/Allied Health/Health Sciences, General | $66,064 | A |
| International Relations | $62,216 | C+ |
| Business Administration, Management, and Operations | $66,065 | B |
| Music | $29,090 | D |
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
Registered Nursing is Miami's second-largest high-earning program at 245 graduates, with $75,036 one-year earnings and $92,555 at four years, and a 0.317 debt-to-earnings ratio with a B+ grade. Miami-area nursing salaries benefit from strong hospital system demand and Florida's aging population. The 0.317 debt ratio is workable.
Finance and Financial Management
Finance is Miami's largest high-volume program at 213 graduates, with $70,352 one-year earnings and $110,240 at four years, and a 0.206 debt-to-earnings ratio with an A grade. Miami's finance program benefits from the city's role as a Latin American financial hub. International banking, private equity focused on emerging markets, real estate finance, and wealth management firms in Miami recruit at the school. The 0.206 debt ratio is good. Four-year earnings near $110K indicate strong advancement into senior analyst and associate roles.
Computer Science
Computer Science (53 graduates) shows $76,877 one-year earnings and $121,589 at four years, with a 0.245 debt-to-earnings ratio and an A grade. Miami's tech sector is growing, with increasing startup activity, fintech presence, and enterprise technology companies. Starting at $77K in a city with no state income tax creates good after-tax positioning. The 0.245 debt ratio is solid for a private university CS program.
Accounting
Accounting (71 graduates) shows four-year earnings of $102,344 with a 0.171 debt-to-earnings ratio and an A grade - one-year data is not available. The A grade and low debt ratio make this program one of the better ROI choices at the University of Miami. The Big Four accounting firms recruit actively at Miami's business school. Four-year earnings of $102K in accounting reflects CPA certification and advancement beyond entry-level associate roles.
Business Information Systems
Business Information Systems (51 graduates) shows $63,662 one-year earnings and $116,367 at four years, with a 0.245 debt-to-earnings ratio and an A grade. The combination of business process knowledge and technology skills is valued across industries. Miami BIS graduates move into IT management, enterprise software, and analytics roles. The four-year earnings jump from $64K to $116K is substantial and suggests rapid advancement into management or specialized technical consulting. The A grade and 0.245 ratio make this program a strong ROI choice within Miami's business school.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Median of schools we score |
|---|---|---|
| 1-year repayment | 72.7% | 68.8% |
| 3-year repayment | 79.0% | 73.6% |
| 5-year repayment | 80.5% | 67.7% |
| 7-year repayment | 82.6% | 72.8% |
Completion Rate
Trends Over Time
How University of Miami’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 | 18.9% |
| SAT Math (25th-75th) | 660-750 |
| SAT Reading (25th-75th) | 660-730 |
| ACT Composite (25th-75th) | 30-33 |
| Enrollment | 12,913 |
| Pell Grant recipients | 14.9% |
| Avg faculty salary (monthly) | $16,043 |
At 18.9% admission rate, Miami is selective. SAT 660-750 (Math), 660-730 (Reading), ACT 30-33 is the admitted range. The school actively recruits internationally and from Latin America, which broadens both the applicant pool and social campus culture.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| University of Miami (this school) | 78 | $37,244 | $75,328 |
| Boston College | 92 | $41,704 | $103,937 |
| Bellevue University | 65 | $17,550 | $61,289 |
| National University | 64 | $22,878 | $67,548 |
| Barry University | 42 | $22,613 | $55,966 |
| Baptist University of Florida | 31 | $10,372 | $42,836 |
Who Thrives Here
Admitted students show SAT 660-750 (Math) and 660-730 (Reading), ACT 30-33. Students who thrive here are business and health-oriented, socially motivated, and comfortable in a Miami-area lifestyle. The school has a strong Greek life presence. Students who need generous merit aid or who are not targeting high-earning programs should think carefully about the $37K average net price.
The Verdict: The Investment Pays Off
For most students, University of Miami pays off. You'd pay about $37,244 a year after aid ($148,976 over four years), and the typical graduate earns $75,328 ten years after enrollment. That puts the payback - the time it takes for the earnings bump to cover what you spent - at roughly 7.2 years, a solid return.
What it has going for it: its 83.7% graduation rate, manageable debt relative to earnings.
Median debt of $17,500 among graduates who borrowed, against average earnings of $54,500 six years after entry, gives a debt-to-earnings ratio of 0.32, 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.
University of Miami: Common Questions
Is University of Miami worth it?
In our view, yes - for most students University of Miami pays off. It scores 78/100 on our ROI scale. You'd pay about $37,244 a year after aid ($148,976 over four years), and the typical graduate earns $75,328 ten years after enrollment, so the cost takes roughly 7.2 years to earn back.
How much does University of Miami 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 $37,244 a year, or roughly $148,976 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 Miami graduates earn?
The typical graduate earns about $75,328 ten years after enrolling, roughly $33,528 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 Miami?
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 7.2 years for University of Miami. The median across the schools we track is about 12 years.
How much debt do University of Miami graduates take on?
Among graduates who borrowed, median federal loan debt from this school is about $17,500, against average earnings of $54,500 six years after entry - a debt-to-earnings ratio of 0.32. 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 University of Miami?
The six-year graduation rate is 83.7%, 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.