Degree Dividend
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Murray State University vs Ashland Community and Technical College: which has better ROI?

Public, Murray KY · vs · Public, Ashland KY

The verdict

Neither clears its cost on institution-wide earnings, but Murray State University comes closer — median earnings $44,737 against a $36,384 total, vs $34,504 at Ashland Community and Technical College. (Scorecard, 2026 · our math.)

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Head to head
MeasureMurray State UniversityAshland Community and Technical College
Net price / yr$9,096$5,717
Total net cost$36,384$22,868
Median earnings, 10 yrs$44,737$34,504
Median debt$20,500$10,950
Payback
20-year net return-$108,844-$299,988

College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.

Which is cheaper, Murray State University or Ashland Community and Technical College?

Ashland Community and Technical College, at $5,717 a year after aid versus $9,096 — a gap of $3,379 a year, or $13,516 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.

Do Murray State University or Ashland Community and Technical College graduates earn more?

Murray State University graduates report a median $44,737 ten years after entry, $10,233 more than the $34,504 at Ashland Community and Technical 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, Murray State University or Ashland Community and Technical College?

Ashland Community and Technical College: its completers carry a median $10,950 in federal loans versus $20,500 at Murray State University, a difference of $9,550. The figure counts students who finished; it excludes private loans and anyone who left before graduating.

Which graduates more of its students?

61% of students finish at Murray State University, against 51% at Ashland Community and Technical 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.

Murray State University vs Ashland Community and Technical College: frequently asked questions

Is Murray State University or Ashland Community and Technical College a better value?
Murray State University comes closer, but neither clears its cost on institution-wide earnings — the field you study decides it here more than the school.
Which is cheaper, Murray State University or Ashland Community and Technical College?
Ashland Community and Technical College: $5,717/yr net price after aid versus $9,096/yr at Murray State University — a difference of $3,379 a year, or about $13,516 over four years.
Do Murray State University or Ashland Community and Technical College graduates earn more?
Murray State University graduates earn a median $44,737 ten years after entry, versus $34,504 at Ashland Community and Technical College — a $10,233 gap. This blends every major, so a specific field can flip it.