Most Affordable Colleges in Massachusetts Ranked for Students in 2024

Badge for MOST AFFORDABLE COLLEGES IN MASSACHUSETTS
By Dr. James Barham
Published:
Updated:

Here are the most affordable colleges in Massachusetts ranked in order of academic excellence. Our list will help you find the best school for you, at a price you can afford.

As college tuition increasingly climbs out of reach for many families, finding an affordable yet high-quality education sometimes seems impossible. However, there are still quality, affordable options in Massachusetts that provide students access to an excellent education without breaking the bank.

Here are the most affordable colleges in Massachusetts ranked in order of academic excellence. Our list will help you find the best school for you, at a price you can afford.

10 Most Affordable Colleges in Massachusetts 2024

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  1. Massachusetts Maritime Academy
  2. Worcester State University
  3. Bridgewater State University
  4. Cambridge College
  5. Fitchburg State University
  6. Framingham State University
  7. Salem State University
  8. University of Massachusetts Amherst
  9. Westfield State University
  10. University of Massachusetts Boston
  1. University of Massachusetts Amherst
  2. University of Massachusetts Boston
  3. University of Massachusetts Dartmouth
  4. University of Massachusetts Lowell
  5. Salem State University
  6. Framingham State University
  7. Westfield State University
  8. Bridgewater State University
  9. Cambridge College
  10. Massachusetts Maritime Academy
  1. University of Massachusetts Dartmouth 96%
  2. Salem State University 93%
  3. Massachusetts College of Liberal Arts 92%
  4. Massachusetts Maritime Academy 89%
  5. Bridgewater State University 88%
  6. Worcester State University 88%
  7. Framingham State University 87%
  8. University of Massachusetts Lowell 86%
  9. Fitchburg State University 86%
  10. Westfield State University 82%
  1. University of Massachusetts Amherst 18 to 1
  2. Bridgewater State University 17 to 1
  3. University of Massachusetts Lowell 17 to 1
  4. University of Massachusetts Boston 16 to 1
  5. University of Massachusetts Dartmouth 15 to 1
  6. Westfield State University 14 to 1
  7. Worcester State University 14 to 1
  8. Fitchburg State University 12 to 1
  9. Salem State University 12 to 1
  10. Massachusetts Maritime Academy 12 to 1
  1. Cambridge College $17,190
  2. University of Massachusetts Amherst $16,186
  3. University of Massachusetts Lowell $15,462
  4. University of Massachusetts Boston $14,542
  5. University of Massachusetts Dartmouth $14,179
  6. Massachusetts Maritime Academy $1,994
  7. Massachusetts College of Liberal Arts $1,030
  8. Fitchburg State University $970
  9. Westfield State University $970
  10. Framingham State University $970
  1. University of Massachusetts Boston $18,894
  2. Cambridge College $16,923
  3. University of Massachusetts Dartmouth $16,390
  4. University of Massachusetts Lowell $14,956
  5. University of Massachusetts Amherst $14,364
  6. Massachusetts College of Liberal Arts $3,744
  7. Fitchburg State University $3,510
  8. Worcester State University $3,042
  9. Massachusetts Maritime Academy $2,710
  10. Salem State University $2,520
  1. Massachusetts College of Liberal Arts
  2. University of Massachusetts Dartmouth
  3. University of Massachusetts Lowell
  4. University of Massachusetts Boston
  5. Westfield State University
  6. University of Massachusetts Amherst
  7. Salem State University
  8. Framingham State University
  9. Fitchburg State University
  10. Cambridge College
  1. Massachusetts College of Liberal Arts
  2. Worcester State University
  3. Fitchburg State University
  4. Massachusetts Maritime Academy
  5. Cambridge College
  6. Bridgewater State University
  7. Westfield State University
  8. Framingham State University
  9. Salem State University
  10. University of Massachusetts Lowell
  1. University of Massachusetts Amherst 64%
  2. University of Massachusetts Boston 81%
  3. Westfield State University 82%
  4. Fitchburg State University 86%
  5. University of Massachusetts Lowell 86%
  6. Framingham State University 87%
  7. Worcester State University 88%
  8. Bridgewater State University 88%
  9. Massachusetts Maritime Academy 89%
  10. Massachusetts College of Liberal Arts 92%
  1. Cambridge College 8 to 1
  2. Massachusetts College of Liberal Arts 9 to 1
  3. Framingham State University 11 to 1
  4. Fitchburg State University 12 to 1
  5. Salem State University 12 to 1
  6. Massachusetts Maritime Academy 12 to 1
  7. Westfield State University 14 to 1
  8. Worcester State University 14 to 1
  9. University of Massachusetts Dartmouth 15 to 1
  10. University of Massachusetts Boston 16 to 1
  1. Bridgewater State University $910
  2. Salem State University $910
  3. Fitchburg State University $970
  4. Westfield State University $970
  5. Framingham State University $970
  6. Worcester State University $970
  7. Massachusetts College of Liberal Arts $1,030
  8. Massachusetts Maritime Academy $1,994
  9. University of Massachusetts Dartmouth $14,179
  10. University of Massachusetts Boston $14,542
  1. Bridgewater State University $1,260
  2. Framingham State University $1,680
  3. Westfield State University $1,775
  4. Salem State University $2,520
  5. Massachusetts Maritime Academy $2,710
  6. Worcester State University $3,042
  7. Fitchburg State University $3,510
  8. Massachusetts College of Liberal Arts $3,744
  9. University of Massachusetts Amherst $14,364
  10. University of Massachusetts Lowell $14,956

Key Takeaways

Massachusetts: Excellent, Inexpensive College Education

Massachusetts may not be the biggest state in the United States by land area, but it is one of the best to provide the highest caliber of education, from elementary education to graduate degrees in both public and private schools throughout the state. After all, it was the first state in the US to mandate that communities should build community colleges. These historical foundations have helped make better online colleges available.

School building exterior

Colleges in Massachusetts are known to be among the best STEM-focused institutions in the world, and some of the best in providing high-quality liberal arts education with an average student-to-faculty ratio.

The Massachusetts College of Liberal Arts is one of the world’s most renowned liberal arts institutions. And while not being one of the most expensive places to live and study, the state provides a sufficient amount of federal student aid to attract local and international students alike to the school.

Massachusetts also isn’t letting its success stand still. Because of the quantity and caliber of start-ups that have come out of the Boston suburb of Kendall Square, it has been dubbed “the most innovative square mile on the planet.”

Financial Aid Opportunities in Massachusetts

To make an affordable college education even more affordable, college-bound students need to obtain student financial assistance. Plenty of federal student aid exists in Massachusetts and is surprisingly easy to obtain. Eligible students should expect a significant reduction in higher education tuition and fees. The state is also home to some of the best online associate’s degrees.

Here are some of the few financial aid opportunities in Massachusetts:

Grants:

Scholarships:

Tuition Waivers:

Loans:

Colleges in Massachusetts that offer the most varied financial aid opportunities are Bridgewater State University, Cambridge College, Fitchburg State University, Framingham State University, Salem State University, University of Massachusetts Amherst, Worcester State University, and Westfield State University.

Massachusetts Colleges With the Best Programs for Bachelor’s Degree Holders

It’s critical to consider your return on investment together with the cost of tuition and academic options while deciding on one of Massachusetts’ most inexpensive institutions.

Here is a list of the top three Massachusetts colleges mentioned above ranked from lowest ROI to highest ROI for on-campus, in-state programs finished without receiving any financial aid based on data gathered from PayScale.

20-Year Net ROI
School20-Year Net ROI
University of Massachusetts-Amherst$434,000
University of Massachusetts-Lowell$573,000
Massachusetts Maritime Academy$783,000


Most In-Demand Jobs in Massachusetts

A degree can open doors for you that you didn’t even know existed, whether you obtain it in the “conventional” manner or online through a MA school. Go full speed ahead if you already have a general idea of the industry or area you wish to enter! However, some students are unsure of what major to study.

Zippia recently came out with a list of Massachusetts’s top 100 highest-paying jobs. This list can be the ideal place to start as you choose a college major. When you graduate, you may rest easy knowing that your degree will immediately put you in a career. Here are a handful of the positions on the list:

  • Consultant and Sales Representative
  • General Surgeon
  • Revenue Officer
  • Head of Security
  • Pain Management Physician
  • Vice President, Product and Marketing
  • Senior Vice President, Sales
  • Private Sector Executive
  • Executive Vice President
  • Staff Psychiatrist
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Colleges and Universities in Massachusetts

Some of the most talked about universities in Massachusetts are its private schools, including Boston University, Harvard University, Northeastern University, and Massachusetts Institute of Technology, which also happen to be the largest. Tuition for these prestigious schools runs between $50,000 and $54,000. Students here have access to some of the top programs in the country in fields such as biology, literature, law, education, engineering, and religious studies. The alumni from New England schools are equally as impressive, including Martin Luther King Jr., Bill Gates, and Ralph Waldo Emerson.

Find college admissions consultants in your state.

The public higher education institutes also boast top-notch programs, allowing students to pursue associate, bachelor’s, master’s, and doctoral degrees in fields like mathematics, social work, medicine, and economics. The University of Massachusetts Amherst, the state’s largest public university, offers tuition around $16,000 and serves over 28,000 students. Additionally, students who are interested in attending a religiously affiliated school have 17 options to choose from, most of which feature high graduation rates for their students. For future dental, medical, or mental health professionals, Massachusetts also offers loan forgiveness programs for those working in underserved communities.

As the port of destination for the Mayflower, home to the Plymouth colony, and site of the Salem Witch Trials, Massachusetts looms large in United States history, but this most populous New England state isn’t just for history buffs. The Bay State is also known for its delicious cuisine, beautiful coastlines, and devout sports fans. Not to mention, it has over 100 colleges for students to choose from.

Find a program that’s right for you and explore the best schools Massachusetts has to offer.


What are Massachusetts’ Colleges & Universities?

Massachusetts’ Best Overall

Massachusetts has 13 colleges and universities with stated tuitions and fees under $20,000/year. The following list of the most affordable colleges and universities in Massachusetts is composed entirely of schools offering bachelor’s degree programs, have stated tuition and fees near or under the national average of $16,000/year, and are fully accredited colleges.

Books lined up in a shelf Back to Top

Most Affordable Colleges in Massachusetts 2024

These schools are ranked by academic excellence, and all under $20,000/year.

  1. #1

    University of Massachusetts Amherst

    Amherst , MA
    #1 Best Public Colleges in Massachusetts 2024 #6 Best Grad Schools in Massachusetts 2025 #6 Best Research Universities in Massachusetts 2025 #7 Best Colleges in Massachusetts 2025
    Other Rankings

    Tuition + fees

    $17K

    Acceptance

    64%

    Graduation

    83%

    Student body

    37K

    Median SAT/ACT

    1370/31

    Career Outlook for degree at University of Massachusetts Amherst

    Cost of Degree: $17,357
    Expenses: $17,309
    Starting Salary: $57,700
    Cost Recoup Time: 12 years
    Paid back at 15% of annual salary
    What is University of Massachusetts Amherst known for?

    University of Massachusetts Amherst’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about University of Massachusetts Amherst?

    University of Massachusetts Amherst stands out for its academic excellence and affordability in the heart of Massachusetts. Known for its extensive research opportunities, diverse academic programs, and vibrant campus life, UMass Amherst offers a high-quality education at a cost that is more accessible compared to many other institutions.

    With a commitment to innovation, sustainability, and community engagement, the university attracts students who are eager to make a significant impact in their fields and the world.

    • University of Massachusetts Amherst is great for students who: Value a large, research-intensive university with a wide array of degree programs and extracurricular activities.
    • University of Massachusetts Amherst might not be the best fit for students who: Prefer a small college atmosphere with more personalized attention and smaller class sizes.

    University of Massachusetts Amherst’s Online Degrees

    BA in Film And Media Studies
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BBA in Bachelor Of Business Administration
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BBA in Business Administration
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Hospitality And Tourism Management
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Arts Management
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA/BS in Interdisciplinary Studies
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BSN in Nursing: RN to BSN
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BS in Nursing: RN to BSN
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Bachelor Of Science
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    Compare school
  2. #2

    University of Massachusetts Boston

    Boston , MA
    #2 Best Public Colleges in Massachusetts 2024 #10 Best Research Universities in Massachusetts 2025 #7 Fastest Accelerated Online Bachelor's of Nursing Degree Programs 2024

    Tuition + fees

    $15K

    Acceptance

    81%

    Graduation

    51%

    Student body

    19K

    Median SAT/ACT

    1190/26

    Career Outlook for degree at University of Massachusetts Boston

    Cost of Degree: $15,495
    Expenses: $21,578
    Starting Salary: $53,700
    Cost Recoup Time: 13 years
    Paid back at 15% of annual salary
    What is University of Massachusetts Boston known for?

    University of Massachusetts Boston’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about University of Massachusetts Boston?

    University of Massachusetts Boston combines the appeal of a waterfront campus with the affordability and academic rigor of a public research university. As an urban institution, UMass Boston offers a diverse and inclusive environment, where students from all backgrounds can pursue higher education without the burden of excessive debt.

    The university prides itself on a strong faculty, a commitment to public service, and a range of academic programs that cater to a variety of interests and career paths. With its emphasis on community engagement and social justice, UMass Boston is a hub for students looking to make a difference locally and globally.

    • University of Massachusetts Boston is great for students who: Appreciate an urban campus with easy access to the cultural, professional, and social opportunities of Boston.
    • University of Massachusetts Boston might not be the best fit for students who: Are not interested in attending a commuter-heavy university where most students live off-campus.
    Compare school
  3. #3

    University of Massachusetts Lowell

    Lowell , MA
    #3 Best Public Colleges in Massachusetts 2024 #2 Best Online Associate Degrees in Massachusetts 2025 #2 Best Online Associate in Information Technology #2 Best Online Associate Degree Programs That Can Be Completed in 1 Year
    Other Rankings

    Tuition + fees

    $16K

    Acceptance

    86%

    Graduation

    71%

    Student body

    22K

    Median SAT/ACT

    1259/28

    Career Outlook for degree at University of Massachusetts Lowell

    Cost of Degree: $16,570
    Expenses: $17,994
    Starting Salary: $57,200
    Cost Recoup Time: 12 years
    Paid back at 15% of annual salary
    What is University of Massachusetts Lowell known for?

    University of Massachusetts Lowell’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about University of Massachusetts Lowell?

    University of Massachusetts Lowell is a dynamic institution that offers an affordable education with a strong emphasis on practical experience and innovation. It’s renowned for its engineering, computer science, and business programs and has made significant strides in research, particularly in areas like advanced materials, robotics, and environmental sustainability.

    UMass Lowell’s collaborative atmosphere, state-of-the-art facilities, and robust co-op programs allow students to gain hands-on experience that is highly valued in the workforce. Additionally, the university’s location in Lowell’s diverse and vibrant city presents numerous cultural and professional opportunities for students.

    • University of Massachusetts Lowell is great for students who: Are looking for a university with strong STEM programs and a focus on research and practical experience.
    • University of Massachusetts Lowell might not be the best fit for students who: Are seeking a small college experience with a high level of personal attention from faculty.

    University of Massachusetts Lowell’s Online Degrees

    BS in Business Administration
    • Required Credits: 122
    • Completion Time: None Reported
    • Format: Online
    BS in Information Technology
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Information Technology Second Degree
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Information Technology: Business Minor
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Criminal Justice
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in English Literature And Criticism
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BLA in Liberal Arts
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
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  4. #4

    University of Massachusetts Dartmouth

    North Dartmouth , MA
    #4 Best Public Colleges in Massachusetts 2024 #4 Best Online Bachelor’s of Gender Studies Degree Programs for 2025 #4 Best Online Bachelor’s in Public Administration Degree Programs for 2025 #7 Best Online MBA Programs in Massachusetts
    Other Rankings

    Tuition + fees

    $15K

    Acceptance

    96%

    Graduation

    55%

    Student body

    9K

    Median SAT/ACT

    1140/26

    Career Outlook for degree at University of Massachusetts Dartmouth

    Cost of Degree: $15,208
    Expenses: $21,112
    Starting Salary: $51,500
    Cost Recoup Time: 13 years
    Paid back at 15% of annual salary
    What is University of Massachusetts Dartmouth known for?

    University of Massachusetts Dartmouth’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about University of Massachusetts Dartmouth?

    University of Massachusetts Dartmouth stands out for its commitment to providing an affordable, yet high-quality education to students from all walks of life. The university offers a range of undergraduate and graduate programs, with notable strengths in areas such as marine science, engineering, and fine arts.

    UMass Dartmouth fosters a close-knit community atmosphere, with smaller class sizes that allow for individual attention and a supportive learning environment. The campus’s location in the South Coast region of Massachusetts also provides unique opportunities for research and engagement with the local community and industries.

    • University of Massachusetts Dartmouth is great for students who: Are looking for strong programs in fields like marine science, engineering, and fine arts within a supportive and community-oriented campus.
    • University of Massachusetts Dartmouth might not be the best fit for students who: Prefer the bustling environment of a large city, as the campus is situated in a more suburban setting.

    University of Massachusetts Dartmouth’s Online Degrees

    BS in Accounting
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Economics
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Finance
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in General Business Administration
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Management-Leadership
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Marketing
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Operations Management
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Management Information Systems
    Degree Concentrations
    • E-Commerce/Digital Business
    • Technology & Management
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Criminal Justice
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in English Literature And Criticism
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in History
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Liberal Arts
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Political Science
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Public Administration
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Public Administration
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Sociology And Anthropology
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Women'S And Gender Studies
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Healthcare Services Administration
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Medical Laboratory Science
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Nursing
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    Compare school
  5. #5

    Cambridge College

    Boston , MA
    #14 Most Affordable Online Applied Behavioral Analysis PhD Programs #18 Best Online MBA Programs in Massachusetts #8 10 Fastest Accelerated Online Bachelor's of Finance Degree Programs 2025 #14 20 Fastest Online Bachelor's of Business Degree Programs Ranked 2024

    Tuition + fees

    $17K

    Student body

    4K

    Career Outlook for degree at Cambridge College

    Cost of Degree: $18,072
    Starting Salary: $40,000
    What is Cambridge College known for?

    Cambridge College’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about Cambridge College?

    Cambridge College is recognized for its dedication to adult learners and non-traditional students seeking an affordable education in Massachusetts. The college offers a range of flexible degree programs designed to accommodate busy schedules, including evening and weekend classes.

    With a strong focus on professional education, Cambridge College provides practical, career-oriented programs that cater to the needs of working individuals looking to advance or change their careers. The college’s inclusive atmosphere and supportive learning environment make it a welcoming place for a diverse student body.

    • Cambridge College is great for students who: Are working adults or non-traditional students seeking flexible scheduling and practical, career-focused academic programs.
    • Cambridge College might not be the best fit for students who: Prefer a research-intensive university with a broad array of undergraduate majors and a focus on theoretical rather than applied learning.
    Compare school
    7. Three students carrying books and notes while on their way to their class
  7. #6

    Westfield State University

    Westfield , MA
    #5 Best Public Colleges in Massachusetts 2024 #14 Best Online Colleges in Massachusetts 2024 #15 Best Online Master's Programs in Massachusetts 2025 #23 Best Online Bachelor’s of History Degree Programs Ranked for 2025

    Tuition + fees

    $12K

    Acceptance

    82%

    Graduation

    60%

    Student body

    5K

    Career Outlook for degree at Westfield State University

    Cost of Degree: $11,882
    Expenses: $17,814
    Starting Salary: $48,900
    Cost Recoup Time: 12 years
    Paid back at 15% of annual salary
    What is Westfield State University known for?

    Westfield State University’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about Westfield State University?

    Westfield State University is celebrated for its commitment to providing an accessible and affordable education while maintaining a strong academic foundation. As the first public, co-educational college in America to offer an education without barriers to race, gender, or economic class, Westfield State continues this tradition of inclusivity and accessibility.

    The university offers a wide array of undergraduate and graduate programs, particularly emphasizing education and the liberal arts. Students at Westfield State benefit from small class sizes, dedicated faculty, and a supportive campus community that fosters personal growth and academic achievement.

    • Westfield State University is great for students who: Seek a supportive and inclusive campus community with a focus on personal attention and student success.
    • Westfield State University might not be the best fit for students who: Prefer a large university environment with a vast array of extracurricular activities and Greek life.

    Westfield State University’s Online Degrees

    BS in Accounting
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BS in Finance
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BS in Management
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BS in Marketing
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BS in Criminal Justice
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BA in History
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BA in Liberal Studies
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BA in Sociology
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    Compare school
  8. #7

    Salem State University

    Salem , MA
    #6 Best Public Colleges in Massachusetts 2024 #21 Best Liberal Arts Colleges for Social Work Degrees #10 Best Online Colleges in Massachusetts 2024

    Tuition + fees

    $12K

    Acceptance

    93%

    Graduation

    55%

    Student body

    8K

    Career Outlook for degree at Salem State University

    Cost of Degree: $11,978
    Expenses: $19,362
    Starting Salary: $47,100
    Cost Recoup Time: 12 years
    Paid back at 15% of annual salary
    What is Salem State University known for?

    Salem State University’s faculty and alumni have been influential in:

    What do we love about Salem State University?

    Salem State University is known for offering a cost-effective education emphasizing student success and community engagement. Located in the historic and culturally rich city of Salem, the university provides a diverse learning environment with various undergraduate and graduate programs, particularly in the liberal arts, business, and education.

    Salem State prides itself on small class sizes, dedicated faculty, and a commitment to experiential learning opportunities, such as internships and service projects, which prepare students for successful careers and active citizenship.

    • Salem State University is great for students who: Appreciate a university that combines affordable tuition with a broad selection of academic programs and hands-on learning experiences.
    • Salem State University might not be the best fit for students who: Are seeking a rural or secluded campus environment, as Salem State is located in an urban area with a vibrant city life.

    Salem State University’s Online Degrees

    BS in Business
    Degree Concentrations
    • Accounting
    • Corporate Finance And Accounting
    • Entrepreneurship
    • Finance
    • Hospitality Management
    • Human Resources
    • International Business
    • Management
    • Management Information Systems
    • Marketing
    • Operations And Decision Sciences
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: None Reported
    BS in Occupational Health Studies
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: None Reported
    BS in Criminal Justice
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: None Reported
    BS in Fire Science
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BS in Education: Early Education And Care
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: None Reported
    BLS in Liberal Studies
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: None Reported
    BSW in Social Work
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: None Reported
    BS in Healthcare Studies
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: None Reported
    BSN in Nursing: RN to BSN
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: Online
    BA in Psychology
    • Required Credits: 120
    • Completion Time: None Reported
    • Format: None Reported
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  9. #8

    Bridgewater State University

    Bridgewater , MA
    #7 Best Public Colleges in Massachusetts 2024 #11 Best Online Colleges in Massachusetts 2024 #12 Best Online Master's Programs in Massachusetts 2025

    Tuition + fees

    $11K

    Acceptance

    88%

    Graduation

    56%

    Student body

    12K

    Median SAT/ACT

    1120/22

    Career Outlook for degree at Bridgewater State University

    Cost of Degree: $11,389
    Expenses: $18,756
    Starting Salary: $47,900
    Cost Recoup Time: 12 years
    Paid back at 15% of annual salary
    What is Bridgewater State University known for?

    Bridgewater State University’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about Bridgewater State University?

    Bridgewater State University offers an affordable education with a strong emphasis on teaching excellence and student success. As one of the largest universities in Massachusetts, Bridgewater State provides a wide range of academic programs and innovative learning experiences.

    The university fosters a supportive learning environment with a commitment to diversity, equity, and inclusion. With a variety of clubs, sports, and organizations, Bridgewater State ensures a well-rounded collegiate experience that extends beyond the classroom.

    • Bridgewater State University is great for students who: Value a campus culture that promotes inclusivity, community involvement, and personal growth.
    • Bridgewater State University might not be the best fit for students who: Prefer a small college atmosphere with more intimate class sizes.

    Bridgewater State University’s Online Degrees

    BS in Management
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
    BA in Communication Studies
    • Required Credits: 60
    • Completion Time: None Reported
    • Format: Online
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  10. #9

    Fitchburg State University

    Fitchburg , MA
    #8 Best Public Colleges in Massachusetts 2024 #7 Best Online Colleges in Massachusetts 2024 #13 Top 20 Most Affordable Online MBA Degree Programs Ranked 2025 #15 Best Online MBA Programs in Massachusetts
    Other Rankings

    Tuition + fees

    $11K

    Acceptance

    86%

    Graduation

    56%

    Student body

    10K

    Median SAT/ACT

    1120/25

    Career Outlook for degree at Fitchburg State University

    Cost of Degree: $11,046
    Expenses: $17,825
    Starting Salary: $47,400
    Cost Recoup Time: 12 years
    Paid back at 15% of annual salary
    What is Fitchburg State University known for?

    Fitchburg State University’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about Fitchburg State University?

    Fitchburg State University is celebrated for its commitment to providing an affordable and accessible education to students from diverse backgrounds. With a student-centered approach, the university offers a range of undergraduate and graduate programs, particularly strong in fields such as business, education, and criminal justice.

    Fitchburg State’s emphasis on practical, experiential learning prepares students for successful careers and active civic engagement. The university’s small class sizes and dedicated faculty create an environment that supports individual growth and academic achievement.

    • Fitchburg State University is great for students who: Appreciate a close-knit campus community where they can form lasting relationships and receive personalized attention from instructors
    • Fitchburg State University might not be the best fit for students who: Are looking for a college experience in a major metropolitan area, as Fitchburg provides a more small-town atmosphere.

    Fitchburg State University’s Online Degrees

    BSN in Nursing: RN to BSN
    • Required Credits: 32
    • Completion Time: None Reported
    • Format: Online
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  12. #10

    Worcester State University

    Worcester , MA
    #9 Best Public Colleges in Massachusetts 2024

    Tuition + fees

    $11K

    Acceptance

    88%

    Graduation

    59%

    Student body

    7K

    Median SAT/ACT

    1117/25

    Career Outlook for degree at Worcester State University

    Cost of Degree: $11,286
    Expenses: $16,259
    Starting Salary: $52,400
    Cost Recoup Time: 11 years
    Paid back at 15% of annual salary
    What is Worcester State University known for?

    Worcester State University’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about Worcester State University?

    Worcester State University is known for its combination of affordable tuition and high-quality education, offering a valuable option for students in Massachusetts. With a broad selection of undergraduate and graduate programs, Worcester State is particularly recognized for its education, health sciences, and business programs.

    The university creates a supportive learning environment focusing on student success, offering small class sizes and personalized attention from faculty. Worcester State’s commitment to community engagement and service learning also allows students to make a positive impact while pursuing their academic goals.

    • Worcester State University is great for students who: Are looking for a university that provides a strong academic foundation with more affordable tuition rates.
    • Worcester State University might not be the best fit for students who: Prefer the experience of a large research university with a wide array of graduate programs and research facilities.
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  13. #11

    Framingham State University

    Framingham , MA
    #10 Best Public Colleges in Massachusetts 2024

    Tuition + fees

    $11K

    Acceptance

    87%

    Graduation

    55%

    Student body

    7K

    Career Outlook for degree at Framingham State University

    Cost of Degree: $11,630
    Expenses: $17,364
    Starting Salary: $49,000
    Cost Recoup Time: 11 years
    Paid back at 15% of annual salary
    What is Framingham State University known for?

    Framingham State University’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about Framingham State University?

    Framingham State University is recognized for its dedication to making higher education both affordable and accessible to a diverse student body. As one of the nine state universities in Massachusetts, it offers a wide range of undergraduate and graduate programs across the arts, humanities, sciences, and professional fields.

    Framingham State is known for its small class sizes, personalized attention from faculty, and a supportive campus community. The university also boasts a strong commitment to sustainability and social responsibility, encouraging students to become thoughtful and engaged citizens.

    • Framingham State University is great for students who: Are seeking an institution that emphasizes both academic excellence and social responsibility.
    • Framingham State University might not be the best fit for students who: Desire an urban campus experience, as Framingham provides a more suburban setting.
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  14. #12

    Massachusetts College of Liberal Arts

    North Adams , MA

    Tuition + fees

    $12K

    Acceptance

    92%

    Graduation

    56%

    Student body

    1K

    Career Outlook for degree at Massachusetts College of Liberal Arts

    Cost of Degree: $11,884
    Expenses: $17,784
    Starting Salary: $38,300
    Cost Recoup Time: 14 years
    Paid back at 15% of annual salary
    What is Massachusetts College of Liberal Arts known for?

    Massachusetts College of Liberal Arts’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about Massachusetts College of Liberal Arts?

    Massachusetts College of Liberal Arts (MCLA) is celebrated for its commitment to providing an affordable liberal arts education with a strong focus on individual student success. Nestled in the scenic Berkshires, MCLA offers a personalized educational experience with small class sizes and a close-knit campus community.

    The college is known for its dedicated faculty, innovative programs, and emphasis on experiential learning, which prepare students for various careers and graduate studies. MCLA’s interdisciplinary approach and diverse range of majors allow students to explore their interests deeply and develop a broad skill set.

    • Massachusetts College of Liberal Arts is great for students who: Are looking for a college that provides a supportive environment and opportunities for hands-on learning and community engagement.
    • Massachusetts College of Liberal Arts might not be the best fit for students who: Prefer the environment and resources of a large research university.
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  15. #13

    Massachusetts Maritime Academy

    Buzzards Bay , MA
    #18 Best Online Master's Programs in Massachusetts 2025

    Tuition + fees

    $11K

    Acceptance

    89%

    Graduation

    79%

    Student body

    2K

    Career Outlook for degree at Massachusetts Maritime Academy

    Cost of Degree: $10,816
    Expenses: $20,551
    Starting Salary: $96,000
    Cost Recoup Time: 8 years
    Paid back at 15% of annual salary
    What is Massachusetts Maritime Academy known for?

    Massachusetts Maritime Academy’s faculty and alumni have been influential in:

    Most Influential Alumni

    What do we love about Massachusetts Maritime Academy?

    Massachusetts Maritime Academy is renowned for its specialized and highly focused educational programs that prepare students for maritime, engineering, emergency management, and environmental careers.

    As a leader in maritime education, the Academy offers hands-on learning experiences, a disciplined and structured environment, and a strong emphasis on leadership development. Located on Cape Cod, the waterfront campus provides unique opportunities for training and access to maritime industries.

    The Academy’s commitment to practical skills and career readiness makes it an affordable and valuable investment for students interested in these specialized areas.

    • Massachusetts Maritime Academy is great for students who: Value discipline, leadership, and a hands-on approach to education in preparation for service-oriented careers.
    • Massachusetts Maritime Academy might not be the best fit for students who: Are not interested in maritime-related fields or a career-focused curriculum with a strong emphasis on the practical application of skills.
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Tips for Saving Money on College in Massachusetts

Even though these are the most affordable colleges in MA, there are still ways that you can reduce your educational costs even more.

Apply for Financial Aid and Scholarships

Massachusetts offers a variety of state-specific financial aid programs and scholarships for residents that can significantly reduce the cost of college. Students should fill out the Free Application for Federal Student Aid (FAFSA) as early as possible to maximize their eligibility for need-based aid.

Additionally, researching and applying for scholarships through local organizations, community foundations, and colleges can provide substantial financial support that does not need to be repaid.

Consider Community College for General Education Credits

Starting your education at a community college in Massachusetts is a cost-effective way to complete general education requirements before transferring to a four-year institution.

Community colleges often have significantly lower tuition rates, and the Commonwealth of Massachusetts has transfer agreements in place, such as the MassTransfer program, which can guarantee admission and credit transfer to state universities, making the transition smoother and more affordable.

Take Advantage of Tuition Waivers and Discounts

Look into tuition waivers and discounts you might be eligible for. For instance, the Categorical Tuition Waiver reduces tuition costs for eligible Massachusetts residents, including veterans, Native Americans, and foster children.

Some universities also offer tuition discounts for employees of the state, senior citizens, and alums. Always check with the financial aid office to see what waivers and discounts might apply to your situation.

Rows of chairs on an empty classroom

Attend a State University or College

Public universities and colleges in Massachusetts, such as those within the University of Massachusetts system or state universities like Westfield State or Salem State, often have lower tuition rates than private institutions. These schools provide quality education and a variety of degree programs at a more affordable price point.

Additionally, being a state resident can make you eligible for Massachusetts in-state tuition rates, which are substantially lower than out-of-state rates.

Live Off-Campus or Commute

Housing can be a significant part of college expenses, especially in Massachusetts where the cost of living can be high. Students can save money by living off-campus in more affordable housing, sharing rental costs with roommates, or choosing to commute from home if the distance is manageable.

While on-campus living has its benefits, off-campus living can provide a substantial reduction in overall college costs.

Related Questions

What Is the Least Expensive State School in Massachusetts?

While the least expensive state school in MA can vary based on your personal situation and the amount of financial aid and scholarships you receive, Bridgewater State University and Fitchburg State University are two that are cheaper.

Do Cheap Colleges in Massachusetts Offer High-Quality Education?

Yes, cheap colleges in Massachusetts can offer high-quality education. Massachusetts is known for its prestigious higher education institutions, including public universities, small private liberal arts colleges, and affordable Christian colleges throughout the state that provide a valuable education.

For example, the University of Massachusetts Amherst is highlighted for its diverse cultural environment and a wide range of undergraduate and graduate programs, indicating a commitment to providing high-quality education at a more affordable cost.

How Can I Afford College in Boston?

Affording college in Boston is possible through various programs and financial aid options. The City of Boston offers the Tuition-Free Community College (TFCC) Plan, which covers up to three years of tuition and fees for Boston residents pursuing an associate degree or an eligible certificate program at a partner college. This initiative is part of a $4 million investment to help more Boston residents afford college.

Conclusion

Along with being the most affordable in the state, the colleges and universities we shared above are also fully accredited. As you research where you want to go, remember to take more than just the cost into consideration - think about the major you want to pursue and the type of campus life you’d like to experience as well.

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Most affordable colleges in Massachusetts for your area of interest

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2021 Ranking Archive
  1. Massachusetts Maritime Academy
  2. Worcester State University
  3. Framingham State University
  4. Bridgewater State University
  5. Westfield State University
  6. Massachusetts College of Liberal Arts
  7. Salem State University
  8. Fitchburg State University
  9. University of Massachusetts Dartmouth
  10. University of Massachusetts Boston
  11. University of Massachusetts Lowell
  12. Cambridge College
  13. University of Massachusetts Amherst
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