Cost & ROI · 2026
Is University of Minnesota-Twin Cities worth it?
Pay $16,778/yr after aid. Graduates earn a median of $69,020 ten years out — about 4.1× the annual cost. EduGradify value grade: B.
The ROI math, in 30 seconds
Benchmarks
University of Minnesota-Twin Cities vs Minnesota avg vs national avg
How this school stacks up against the typical Minnesota college and the typical US college.
| Metric | University of Minnesota-Twin Cities | Minnesota avg | National avg |
|---|---|---|---|
| Avg net price | ▲ $16,778 | $18,971 | $18,467 |
| Median earnings 10y | ▲ $69,020 | $53,271 | $50,834 |
| Median debt | ▲ $19,500 | $18,975 | $19,694 |
| Graduation rate | ▲ 85.3% | 52.3% | 49.9% |
| Acceptance rate | ▲ 79.8% | 74.9% | 72.3% |
Hidden cost
What you actually pay, by family income
Net price after grants and scholarships changes a lot depending on family income. Find your bracket.
Total cost
4-year cost projection
Estimated net price each year through graduation, assuming a typical 3% annual tuition increase.
Sticker price (without aid) would run roughly $120,244 over four years. Most students get $13,283/yr in grants and scholarships.
Debt math
Loan repayment scenarios
If you borrow the median $19,500 at a 6.5% federal rate, here's what each repayment plan looks like.
Debt-to-earnings: 28% of one year's median pay. Financial advisors recommend keeping student debt under 100% of expected first-year salary. You're well below that threshold.
Lifetime impact
Lifetime earnings boost vs no degree
Over a typical 40-year career, the median University of Minnesota-Twin Cities grad earns about $960,800 more than a high school graduate (assuming HS median ≈ $45k/yr, BLS).
Caveat: this is a population median, not a guarantee. Actual outcomes vary widely by major, career path, and individual choices. We're showing the median to set realistic expectations.
The verdict
What the numbers say about University of Minnesota-Twin Cities
The average student at University of Minnesota-Twin Cities pays $16,778 a year after grants and scholarships, against a $30,061 published sticker price. That is below the MN average net price of $18,971.
Ten years after entry, graduates earn a median of $69,020 — above the MN median of $53,271. Weighed against what students actually pay, EduGradify models this as an exceptional investment.
Typical graduates borrow about $19,500, roughly $212 a month on a standard ten-year plan — a manageable load at about 28% of one year's median earnings.
Frequently asked
Cost & ROI questions
What is the net price at University of Minnesota-Twin Cities?
The average net price — what students actually pay after grants and scholarships — is $16,778 per year. That's $13,283/yr in financial aid against the $30,061 sticker price. Over four years, that adds up to roughly $67,112.
How much do University of Minnesota-Twin Cities graduates earn?
Ten years after enrolling, University of Minnesota-Twin Cities graduates earn a median of $69,020 per year — above the national average of $50,834. That's about 4.1× the annual net cost.
How much debt do University of Minnesota-Twin Cities graduates take on?
Median federal loan debt at graduation is $19,500 — about $212/month on a standard 10-year repayment plan (assuming a 6.5% federal rate). 28.3% of students take federal loans.
Is University of Minnesota-Twin Cities worth the cost?
EduGradify assigns University of Minnesota-Twin Cities a value grade of B — top 28% on real ROI nationally. The math: pay $16,778/yr, earn $69,020/yr ten years out, ROI score of 10.28. Exceptional Investment.
What financial aid is available at University of Minnesota-Twin Cities?
17.7% of students receive federal Pell Grants (need-based federal aid). 28.3% take federal student loans. On average, students get $13,283 per year in grants and scholarships off the sticker price.
What's the difference between in-state and out-of-state tuition at University of Minnesota-Twin Cities?
In-state tuition is $17,214 per year. Out-of-state tuition is $38,362 per year — a difference of $21,148/yr or $84,592 over four years.
How does net price change with family income at University of Minnesota-Twin Cities?
Net price is income-adjusted — lower-income families typically pay much less. Students from families earning under $30k pay about $6,642. Students from families earning over $110k pay about $27,008. See the chart below for all five income bands.
How we calculate ROI
Every number on this page comes from the U.S. Department of Education College Scorecard. ROI score = (median earnings 10 years out × 10) / (avg net price × 4). The higher the ratio, the more graduates earn per dollar invested. We then percentile-rank every US college on that score to assign letter grades A+ through D. Read the full methodology →