美国商科学位投资回报率最高的25所大学

    本文为与《Money》杂志的合作内容，原文最初发表于Money.com。

    想读商科的人在选择大学时都有个同样的问题：我的投资回报如何？如果我要承担大约28,400美元的学生贷款，未来的收入能高到足以弥补这笔钱吗？

    经济学家通常认为大学文凭是物有所值的，不过PayScale的最新研究给那些想要主修商科的学生带来了更好的消息：你没必要去昂贵的私立大学来获得最大的回报。实际上，州立大学往往更胜一筹。

    PayScale计算了美国所有大学的预期“回报”——20年中本科生比高中生多挣了多少钱，再减去上学期间的总费用（从学费到书本费等一切费用）和进修4年所放弃的收入。

    主修商科的话，投资回报最高的学校是哪家？答案是，加州大学伯克利分校（就总体而言，这所大学位居《Money》杂志最佳大学榜单第13位）。显然，要在商业上取得成功，你需要一双勃肯鞋（Birkenstock，德国平价鞋品牌，在加州大学伯克利分校的校园里流行——译注）。

    对于一位加州学生来说，加州大学伯克利分校的学费和其他花费超过34,000美元，平均每位贷款的学生会带着23,360美元的债务毕业。不过在接下来的20年中，这笔钱的平均投资回报为1,133,100美元。

    少年老成的投资者也许可以从另一个角度看待这些数字：其年化投资回报率为12.2%。想在股市中获取这样的投资回报率，那的确需要很好的运气。

    排名前25的学校中，还有9所公立学校：弗吉尼亚大学、北卡罗来纳大学、罗格斯大学、华盛顿大学、加州大学洛杉矶分校、纽约州立大学宾汉姆顿分校、乔治亚理工学院、加州大学圣迭戈分校和加州州立理工大学。

    为什么公立学校表现更出色？PayScale的莉迪亚•弗兰克在邮件中表示：“这可能是更低的学费和更好的地理位置共同导致的结果。你可以看到，榜单上排名靠前的公立学校都位于加利福尼亚州这样的地方，这些地区薪水更高。如果学生毕业后留在这些地方就业，他们的待遇就比那些去美国中西部的公立学校上学并工作的学生更好。

    This post is in partnership with Money. The article below was originally published at Money.com.

    Anyone with a mind for business has the same question about college: What’s the return on my investment? If I’m going to take on some $28,400 in student debt, will that stake pay off in a lifetime of higher earnings?

    Economists generally agree that a college degree pays off, but new research from PayScale has even better news for students planning on majoring in business: You don’t have to go to a pricey private school to reap the biggest return. In fact, you’re often better off at a state school.

    PayScale calculates the expected “return”for colleges all around the country—how much more graduates earn over 20 years compared to high school grads, minus the total cost of school (everything from tuition to books) and the four years of income you give up while you’re studying.

    The best return on investment for business majors? An education at the University of California-Berkeley (which overall ranks as the 13th best college value in MONEY’s Best Colleges list). Apparently the road to business success is lined with Birkenstocks.

    The total in-state tuition and expenses is over $34,000, and the average borrower leaves Berkeley with $23,360 in loans. But that pays off with a median $1,133,100 return on investment over 20 years.

    Precocious young investors might see those numbers a different way: That’s a 12.2% annualized ROI. Good luck finding that kind of return in the stock market.

    And nine more public schools make the top 25 list: University of Virginia, University of North Carolina, Rutgers, University of Washington, UCLA, SUNY at Binghamton, Georgia Institute of Technology, University of California-San Diego, and Cal Poly.

    Why do public institutions fare so well? “It’s likely a combo of lower tuition costs and location,” Lydia Frank of PayScale writes in an email. “You’ll notice that many of the public schools that rank well on that list are located in places like California where salaries tend to be higher. If alumni are sticking around after graduation, they’re going to fare better than students who went to public school somewhere in the Midwest and ended up working there.”

    当然，这九所公立学校投资回报如此高的部分原因，还在于本州学生预先支付的学费要低得多。不过即便你考虑到那些州外学生的成本，公立学校依旧在榜上名列前茅。例证：即便州外学费高达每年57,000美元以上，去加州大学伯克利分校依旧是最好的选择。

    Of course, part of the reason those nine public schools offer such a high return on investment is because your upfront cost is much smaller when you pay in-state tuition. But even when you consider the cost for out-of-staters, public institutions top the list. Case in point: You’re still best off going to Berkeley, even if you have to pay more than $57,000 a year in out-of-state tuition.

    说明：费用包括学费、杂费、食宿费、书本费和日常用品费；不包含那些大学本科毕业后继续进修的学生的收入；PayScale并未获得某些学校具有统计意义的收入数据，所以没有将它们纳入排行榜。（财富中文网）

    Notes: Cost of tuition, fees, room and board, books, and supplies; does not include the salaries of college graduates who went on to get more advanced degrees; schools excluded if PayScale does not have statistically significant samples of earnings data.