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CollegeROI

College Programs with Debt Under $20K (2026)

1,921 school-major combinations. Programs with under $20,000 in median student debt. These low-debt options often deliver the best ROI, especially at public universities and community colleges.

1,921
Programs
73/100
Avg ROI Score
$16K
Avg Median Debt
$65K
Avg Year 1 Earnings

Grade Distribution for Debt Under $20K

A
659
B
683
C
577
D
2
F
0

Top 50 Programs — Debt Under $20K

#SchoolMajorROI Score
1Capitol Technology UniversityComputer/Information Technology Administration and Management99/100
2Capitol Technology UniversityComputer and Information Sciences99/100
3Capitol Technology UniversityComputer Programming99/100
4Strayer University-District of ColumbiaComputer and Information Sciences99/100
5Strayer University-District of ColumbiaInformation Science/Studies99/100
6Strayer University-FloridaComputer and Information Sciences99/100
7Strayer University-GeorgiaComputer and Information Sciences99/100
8Strayer University-GeorgiaInformation Science/Studies99/100
9Strayer University-Global RegionComputer and Information Sciences99/100
10Strayer University-Global RegionInformation Science/Studies99/100
11Strayer University-MarylandComputer and Information Sciences99/100
12Strayer University-MarylandInformation Science/Studies99/100
13Strayer University-New JerseyComputer and Information Sciences99/100
14Strayer University-New JerseyInformation Science/Studies99/100
15Strayer University-North CarolinaInformation Science/Studies99/100
16Strayer University-South CarolinaComputer and Information Sciences99/100
17Strayer University-South CarolinaInformation Science/Studies99/100
18Strayer University-TennesseeComputer and Information Sciences99/100
19Strayer University-TennesseeInformation Science/Studies99/100
20Strayer University-TexasComputer and Information Sciences99/100
21Strayer University-TexasInformation Science/Studies99/100
22Strayer University-VirginiaComputer and Information Sciences99/100
23Strayer University-VirginiaInformation Science/Studies99/100
24Strayer University-West VirginiaComputer and Information Sciences99/100
25Universidad Adventista de las AntillasComputer Programming99/100
26University of Hawaii at ManoaComputer Science98/100
27Bethesda UniversityComputer and Information Sciences97/100
28Caribbean University-BayamonComputer Programming97/100
29Caribbean University-PonceComputer Programming97/100
30Central State UniversityComputer Science97/100
31Dominican University of CaliforniaComputer Programming97/100
32Eastern Washington UniversityComputer and Information Sciences97/100
33Eastern Washington UniversityComputer Software and Media Applications97/100
34National American University-Rapid CityComputer and Information Sciences97/100
35National American University-Rapid CityComputer/Information Technology Administration and Management97/100
36Santa Fe CollegeComputer and Information Sciences97/100
37Tulane University of LouisianaComputer Science97/100
38University of Hawaii at HiloComputer Science97/100
39University of Hawaii at HiloMathematics97/100
40University of New Mexico-Main CampusComputer and Information Sciences97/100
41Berea CollegeComputer and Information Sciences96/100
42Brigham Young University-HawaiiComputer and Information Sciences96/100
43Brigham Young University-HawaiiMathematics96/100
44Brigham Young University-HawaiiComputer Science96/100
45Collin County Community College DistrictComputer/Information Technology Administration and Management96/100
46Daytona State CollegeComputer and Information Sciences96/100
47East-West UniversityComputer and Information Sciences96/100
48Inter American University of Puerto Rico-BarranquitasComputer Science96/100
49Inter American University of Puerto Rico-PonceComputer Systems Networking and Telecommunications96/100
50Judson UniversityComputer and Information Sciences96/100

Browse by Debt Range

Under $20K$20K to $40K$40K to $60KOver $60K

Frequently Asked Questions

1,921 school-major combinations have median student debt under $20k. The average ROI Score for these programs is 73/100.

Programs with median debt under $20k have an average ROI Score of 73/100. Average first-year earnings are $65K.

Not necessarily. ROI depends on the ratio of debt to earnings, not debt alone. A $50,000 degree leading to $80,000 earnings has better ROI than a $15,000 degree leading to $20,000 earnings. Our ROI Score accounts for this balance.

Sources: U.S. Department of Education College Scorecard, Bureau of Labor Statistics
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