Best debt-to-earnings ratio – U.S. universities

These 50 U.S. universities rank best by graduate debt relative to earnings (lower is stronger), drawn from 4057 institutions with reported data in the most recent U.S. Department of Education release (2024-25). New Community Career & Technical Institute (Newark, NJ) leads at 0.07×.

#	Institution	Debt-to-earnings ratio
1	New Community Career & Technical InstituteNJ · Private	0.07×
2	Adult and Continuing Education-BCTSNJ · Public	0.07×
3	Reedley CollegeCA · Public	0.07×
4	Los Angeles County College of Nursing and Allied HealthCA · Public	0.08×
5	Berea CollegeKY · Private	0.08×
6	Laredo CollegeTX · Public	0.09×
7	Hobart Institute of Welding TechnologyOH · Private	0.09×
8	Princeton UniversityNJ · Private	0.09×
9	New Mexico Military InstituteNM · Public	0.10×
10	Kaskaskia CollegeIL · Public	0.10×
11	Stanford UniversityCA · Private	0.10×
12	United States Merchant Marine AcademyNY · Public	0.10×
13	Alvin Community CollegeTX · Public	0.10×
14	De Anza CollegeCA · Public	0.10×
15	Savannah Technical CollegeGA · Public	0.10×
16	Barstow Community CollegeCA · Public	0.10×
17	Great Oaks Career CampusesOH · Public	0.10×
18	Massachusetts Institute of TechnologyMA · Private	0.10×
19	Ventura Adult and Continuing EducationCA · Public	0.10×
20	Fullerton CollegeCA · Public	0.10×
21	Technical College of the RockiesCO · Public	0.10×
22	San Diego Mesa CollegeCA · Public	0.10×
23	Lancaster School of Cosmetology & Therapeutic BodyworkPA · Private for-profit	0.11×
24	Fresno City CollegeCA · Public	0.11×
25	Meridian Institute of Surgical AssistingTN · Private for-profit	0.11×
26	Oakton CollegeIL · Public	0.11×
27	Southwestern CollegeCA · Public	0.11×
28	Warren County Career CenterOH · Public	0.11×
29	Butler Technology and Career Development SchoolsOH · Public	0.11×
30	SUNY Downstate Health Sciences UniversityNY · Public	0.11×
31	Santiago Canyon CollegeCA · Public	0.11×
32	College of the SequoiasCA · Public	0.12×
33	Johns Hopkins UniversityMD · Private	0.12×
34	Ocean County Vocational-Technical SchoolNJ · Public	0.12×
35	Cascadia CollegeWA · Public	0.12×
36	Omega Studios' School of Applied Recording Arts & SciencesMD · Private for-profit	0.12×
37	Pickaway Ross Joint Vocational School DistrictOH · Public	0.12×
38	Wellesley CollegeMA · Private	0.12×
39	City Colleges of Chicago-Richard J Daley CollegeIL · Public	0.12×
40	New England Tractor Trailer Training School of MassachusettsMA · Private for-profit	0.12×
41	New England Tractor Trailer Training School of Rhode IslandRI · Private for-profit	0.12×
42	Touro University CaliforniaCA · Private	0.12×
43	Touro University NevadaNV · Private	0.12×
44	Gods Bible School and CollegeOH · Private	0.12×
45	Brown UniversityRI · Private	0.12×
46	Hamrick SchoolOH · Private for-profit	0.12×
47	Rio Hondo CollegeCA · Public	0.12×
48	Unitek CollegeCA · Private for-profit	0.12×
49	Unitek CollegeCA · Private for-profit	0.12×
50	Automeca Technical College-AguadillaPR · Private for-profit	0.12×

A data ranking, not an Ibex endorsement or quality rating. Ranked solely on the metric named above using the most recent College Scorecard & IPEDS release, which lags the current academic year by 2–3 years. Institutions that do not report this metric are excluded. Figures and peer context appear on each institution’s profile.

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Source: U.S. Department of Education, College Scorecard & IPEDS (most recent release, 2024-25), with NSF NCSES (HERD), the Clery Act & EADA collections, Census ACS, BLS Employment Projections, WICHE & the FSA Direct Loan Dashboard. Compiled by Ibex Insights. For informational benchmarking only, not financial, investment, or accreditation advice. See the methodology.