University of Southern Maine
Portland, Maine · Public · 79.2% acceptance rate
ROI Score: 52/100 · Below Average Value
Data: 2024-25 College Scorecard release
The University of Southern Maine is the largest campus in the University of Maine System, located in Portland with additional locations in Gorham and Lewiston. It enrolls about 4,222 undergraduates, with in-state tuition of $11,284 and an average net price of $13,596. USM earns a Below Average Value ROI score of 52, constrained by a 40.4% completion rate - a longstanding institutional challenge - and a 13-year payback period at median. Six-year median earnings of $35,600 are modest, but ten-year earnings of $49,958 show long-term trajectory. Nursing, engineering, and computer science are strong programs, while theatre, fine arts, and some social sciences carry D and no-grade levels. Portland's position as Maine's economic hub - with a growing technology, health care, and creative economy - provides more career placement opportunities than most rural Maine institutions, but USM's completion rate remains the primary limiting factor for its institutional ROI.
University of Southern Maine
Quick Numbers
| In-state tuition + fees | $11,284/yr |
| Out-of-state tuition + fees | $27,944/yr |
| Average net price | $13,596/yr |
| Total 4-year cost (net) | $54,384 |
| Median earnings (10yr post-entry) | $49,958 |
| Median earnings (6yr post-entry) | $35,600 |
| Median debt at graduation | $19,060 |
| Estimated monthly loan payment | $202 |
| Estimated payback period | 13 years |
| 6-year graduation rate | 40.4% |
| Undergraduate enrollment | 4,222 |
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: $11,284/year ($27,944/year out-of-state). Here's the part that matters - almost nobody pays that. After grants, scholarships, and aid, the average student here pays a net price of $13,596/year, or roughly $54,384 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 $9,999/year here, while families earning over $110,000 pay $19,180/year.
Most students borrow to get here. The median graduate leaves owing $19,060 in federal loans, which works out to about $202 a month on the standard 10-year repayment plan. Hold that up against the $49,958 the typical graduate earns ten years out: the debt-to-earnings ratio comes to 0.54, within the range advisors call workable but worth keeping an eye on.
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 | $9,999 |
| $30,001 - $48,000 | $10,847 |
| $48,001 - $75,000 | $12,550 |
| $75,001 - $110,000 | $16,750 |
| $110,001+ | $19,180 |
Cost by Income Bracket Explained
Lower-income families (under $30K)
Families earning under $30,000 pay $9,999 net. At that cost and with $19,060 median debt, even the 13-year payback at institutional median is manageable for a student who completes the degree. The 40.4% completion rate is the primary risk. Low-income students should access USM's retention support programs, seek advising mentors, and prioritize a structured major plan from the first semester.
Middle-income families ($30K-$110K)
The $30,001 - $75,000 band pays $10,847 - $12,550. These remain affordable figures. Middle-income families should ensure their student has a clear major path before enrolling; the 13-year payback at median is for all majors combined, and nursing or engineering students will see payback well under 7 years at these net prices.
Higher-income families ($110K+)
Above $75,000, families pay $16,750 - $19,180. USM remains affordable versus private alternatives. Higher-income families choosing USM over UMaine Orono or UNH should evaluate program-specific outcomes; Orono has a stronger graduate research environment but similar ROI dynamics at the undergraduate level.
Earnings by Major
Top 10 most popular majors at University of Southern Maine with available earnings data.
| Major | Median Earnings | Grade |
|---|---|---|
| Registered Nursing | $75,465 | B |
| Business Administration, Management, and Operations | $65,230 | C+ |
| Allied Health Diagnostic and Treatment | $57,790 | C |
| Social Sciences, Other | $45,523 | D |
| Psychology | $45,529 | C |
| Communication and Media Studies | $53,033 | C |
| Biology | $58,164 | C |
| Marketing | $57,968 | C+ |
| History | $42,778 | D |
| International Relations | $65,836 | 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
Nursing is USM's anchor program with 168 graduates earning $71,675 in year one and $75,465 at four years. A B grade and 0.41 debt-to-earnings ratio against $29,242 median debt reflect solid value. Maine's persistent health-care workforce shortage - particularly in rural communities served by Portland-based health systems - creates consistent demand for USM nursing graduates.
Computer Science
Computer Science graduates 12 students with year-one earnings of $67,956 and a B+ grade at a 0.30 debt-to-earnings ratio. The small cohort limits statistical confidence, but the outcomes align with Maine's emerging tech sector - particularly the Portland-based digital economy and remote-work companies that have relocated to Maine from Boston and New York.
Mechanical Engineering
Mechanical Engineering graduates 22 students at $68,318 in year one and $88,515 at four years. A C+ grade and 0.52 debt-to-earnings ratio reflect $35,731 in median debt - USM's highest debt figure in the engineering programs. Despite the debt, four-year earnings are strong and Maine's manufacturing sector provides placement options.
Business Administration, Management, and Operations
Business Administration is USM's most common program at 96 graduates with year-one earnings of $48,421 and $65,230 at four years. A C+ grade and 0.52 debt-to-earnings ratio are moderate. Portland's business community - particularly in financial services, healthcare administration, and tourism - provides a solid regional job market for USM business graduates.
Accounting
Accounting graduates 10 students with year-one earnings of $51,379 and $71,945 at four years. A B grade and 0.37 debt-to-earnings ratio confirm good value. Maine's accounting market is dominated by regional firms in Portland and Bangor, and USM's CPA-track program provides reliable pipeline access to those employers.
How Graduates Do
Earnings
Loan Repayment
| Metric | This School | Nat'l Avg |
|---|---|---|
| 1-year repayment | 71.3% | 52.0% |
| 3-year repayment | 77.5% | 62.0% |
| 5-year repayment | 70.8% | 68.0% |
| 7-year repayment | 74.3% | 72.0% |
Completion Rate
Trends Over Time
How University of Southern Maine’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 | 79.2% |
| SAT Math (25th-75th) | 490-600 |
| SAT Reading (25th-75th) | 500-650 |
| ACT Composite (25th-75th) | 24-28 |
| Enrollment | 4,222 |
| Pell Grant recipients | 28.3% |
| Avg faculty salary (monthly) | $10,420 |
USM admits 79.2% of applicants. Middle 50% SAT is 490 - 600 math and 500 - 650 reading; ACT composite 24 - 28. Maine residents access the $11,284 in-state rate, which combined with need-based aid can reduce net price to under $10,000 for lower-income students. Students should visit USM's financial aid office early to model their specific package, as aid availability is critical given the completion rate challenge.
Compared to Similar Schools
Peer institutions matched by type, size, and selectivity.
Peers include University of Maine at Augusta, University of Alaska Fairbanks, and Washburn University. USM is the most resource-rich UMaine System campus outside Orono and is differentiated by its Portland urban setting and health professional programs. UMaine Augusta's lower cost and online-oriented delivery represent a different model for Maine students. USM's completion rate challenge is shared across this peer group, reflecting the structural difficulty of serving adult and non-traditional learners in regional public institutions.
| School | ROI | Net Price | 10yr Earnings |
|---|---|---|---|
| University of Southern Maine (this school) | 52 | $13,596 | $49,958 |
| University of Alaska Fairbanks | 52 | $10,892 | $48,866 |
| University of Massachusetts Global | 52 | $32,654 | $65,703 |
| Washburn University | 51 | $15,280 | $49,774 |
| University of Maine at Farmington | 29 | $16,857 | $44,433 |
| University of Maine at Augusta | 15 | $10,924 | $40,342 |
Who Thrives Here
USM is a good fit for Maine residents who want an affordable, professionally oriented public university in an urban setting. The 79.2% admissions rate is broadly accessible. Students planning to enter nursing, engineering, or business will find programs with documented solid outcomes at manageable cost. The 40.4% graduation rate requires attention: students should connect with advising early, pursue financial aid aggressively, and be aware that stopping out carries real debt risk. Portland's economy - particularly its health care and tech sectors - is a genuine career asset for students who persist to graduation.
The Verdict: Proceed With Caution
The money case for University of Southern Maine is mixed, and worth a hard look before you commit. At $13,596 per year after aid, the typical graduate earns $49,958 ten years after entry, which means it takes about 13 years to earn the cost back - slower than most four-year schools. Whether it's worth it comes down to your major and your aid package.
What to keep an eye on: its 40.4% graduation rate, a long payback period.
Median debt of $19,060 against $49,958 in earnings is reasonable, though your major matters a lot here. Graduates in higher-earning fields will see the better end of this.
University of Southern Maine: Common Questions
Is University of Southern Maine worth it?
In our view, the money case is mixed and worth a hard look before you commit. University of Southern Maine scores 52/100 on our ROI scale. At $13,596 a year after aid the typical graduate earns $49,958 ten years after entry, so it takes about 13 years to earn the cost back - slower than most four-year schools.
How much does University of Southern Maine cost after financial aid?
The average net price - what students actually pay after grants and scholarships - is about $13,596 a year, or roughly $54,384 over four years. That is the number to plan around, not the sticker price. Actual cost varies by family income, per the U.S. Department of Education's College Scorecard.
What do University of Southern Maine graduates earn?
The typical graduate earns about $49,958 ten years after enrolling, roughly $8,158 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 Southern Maine?
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 13 years for University of Southern Maine. Most four-year schools we track land between 4 and 10 years.
How much debt do University of Southern Maine graduates take on?
Median debt at graduation is about $19,060, against $49,958 in typical earnings a decade out. 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 Southern Maine?
The six-year graduation rate is 40.4%, below the 64% national average (NCES, 2022) - and not finishing is the fastest route to a poor return. 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.