Head-to-head comparison
Pennsylvania State University-Main Campus vs Temple University: which has better ROI?
Option A University Park, PA
Pennsylvania State University-Main Campus
- Net price / year
- $32,875
- Earnings, 10 years
- $63,435
- Payback
- 8.7 yrs
Option B Philadelphia, PA
Temple University
- Net price / year
- $28,198
- Earnings, 10 years
- $63,727
- Payback
- 7.3 yrs
Temple University has the better ROI: it clears its 4-year net cost of $112,792 in 7.3 years versus 8.7 years at Pennsylvania State University-Main Campus, on median earnings of $63,727 vs $63,435 ten years out. (Scorecard, 2026 · our math.)
| Measure | Pennsylvania State University-Main Campus | Temple University |
|---|---|---|
| Net price / yr | $32,875 | $28,198 |
| Total net cost | $131,500 | $112,792 |
| Median earnings, 10 yrs | $63,435 | $63,727 |
| Median debt | $25,000 | $24,395 |
| Payback | 8.7 yrs | 7.3 yrs |
| 20-year net return | $170,000 | $194,548 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
The short answer
Which is cheaper, Pennsylvania State University-Main Campus or Temple University?
Temple University, at $28,198 a year after aid versus $32,875 — a gap of $4,677 a year, or $18,708 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
The short answer
Do Pennsylvania State University-Main Campus or Temple University graduates earn more?
Temple University graduates report a median $63,727 ten years after entry, $292 more than the $63,435 at Pennsylvania State University-Main Campus. 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.
The short answer
Which leaves students with less debt, Pennsylvania State University-Main Campus or Temple University?
Temple University: its completers carry a median $24,395 in federal loans versus $25,000 at Pennsylvania State University-Main Campus, a difference of $605. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
The short answer
Which graduates more of its students?
86% of students finish at Pennsylvania State University-Main Campus, against 75% at Temple University. 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.