CUNY Queens College vs United States Merchant Marine Academy: which has better ROI?
United States Merchant Marine Academy has the better ROI: it clears its 4-year net cost of $24,696 in 0.6 years versus 1.2 years at CUNY Queens College, on median earnings of $90,610 vs $62,763 ten years out. (Scorecard, 2026 · our math.)
| Measure | CUNY Queens College | United States Merchant Marine Academy |
|---|---|---|
| Net price / yr | $4,195 | $6,174 |
| Total net cost | $16,780 | $24,696 |
| Median earnings, 10 yrs | $62,763 | $90,610 |
| Median debt | $10,298 | $8,833 |
| Payback | 1.2 yrs | 0.6 yrs |
| 20-year net return | $271,280 | $820,304 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, CUNY Queens College or United States Merchant Marine Academy?
CUNY Queens College, at $4,195 a year after aid versus $6,174 — a gap of $1,979 a year, or $7,916 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do CUNY Queens College or United States Merchant Marine Academy graduates earn more?
United States Merchant Marine Academy graduates report a median $90,610 ten years after entry, $27,847 more than the $62,763 at CUNY Queens College. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
Which leaves students with less debt, CUNY Queens College or United States Merchant Marine Academy?
United States Merchant Marine Academy: its completers carry a median $8,833 in federal loans versus $10,298 at CUNY Queens College, a difference of $1,465. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
82% of students finish at United States Merchant Marine Academy, against 53% at CUNY Queens College. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.