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By Keith Wagstaff |
|
Comments Off on AI and Your Job: Ranking the Careers Most and Least Impacted
The trillion-dollar question: Is AI coming for your job, or will it make you ten times better at your job? This next monumental frontier of technology is creating a weird mix of deep angst and utter exhilaration.
A new study from Microsoft doesn’t exactly answer this question, but it does offer an interesting career lens on artificial intelligence. Using 200,000 anonymized user conversations with Microsoft’s chatbot, Copilot, researchers ranked occupations by AI’s relevance to the day-to-day work activities of different occupations. In other words, based on user requests, and how successfully the chatbot completed tasks, researchers were able to give occupations an AI “applicability score.”
The study listed the 40 highest and lowest scoring careers. Knowledge work and communication fields had very high relevance, especially interpreters, historians, sales reps, writers and customer service reps. Hands-on workers were among the least impacted: Dredge operators, bridge workers, water treatment plant operators, metal workers and railroad layers all scored a zero.
It also showed the most effective use cases for AI today include:
• Writing and editing.
• Researching.
• Decision-making, especially with product or material comparisons.
While AI is not (yet) particularly good at:
• Creating visual designs.
• Arranging displays.
• Analyzing scientific or financial data.
So what? Artificial intelligence raises a slew of big-picture questions about the future. It’s a nervewracking time for many of us (unless you’re the AI researcher just offered a $62 million annual pay package) and if you’re young, it can feel daunting to choose a career that stands to gain rather than lose.
But whether AI creates entirely new job categories or leads to mass entry-level layoffs in certain industries, running from it won’t help. To stay ahead of the curve, put that nervous energy to good use by exploring how you can use AI to make you more effective both at work and in life.
Depending on your profession, this powerful technology may be able to help you do the things you like least about your job. (It might even be able to help you figure out more AI-proof jobs you could do given your experience and education.) Either way, you can take comfort in the fact that today’s chatbots do not yet possess the emotional intelligence, creativity, and good judgment of their human counterparts.
Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.
The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.
SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.
{/* SLR Rate Discount Special 50 */}
{/* https://www.sofi.com/sofi-at-work/slr-special-50/ */}
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STUDENT LOAN REFINANCING
Don’t miss this additional 0.250% rate discount.
Refinancing your student loans could save you thousands. And for a limited time, apply through this page and you can enjoy an additional 0.250% student loan rate discount2 exclusively available to you through SoFi at Work. Offer good from 8/15/25 through 11/15/25.
View your rate
✓ Checking your rate will not affect your credit score.†
{/* Why choose sofi? */}
Why choose SoFi?
Since 2011, we’ve helped over 515,000 members refinance their student loan debt. Here’s just a bit of what they enjoy:
Serious savings. Zero fees required.
You could save thousands with a lower interest rate and no fees required.
Easy online process
Your time matters. View your rate in two minutes.
Member benefits
Access SoFi Travel benefits3, our debt summary tool, rewards points to pay toward loans4, and more.
{/* Real stories from real grads */}
Real stories from real grads.
550,000+
SoFi members have refinanced their student loans
{/* How refinancing student loan works at sofi */}
How refinancing student loans works at SoFi.
First, we’ll see if you qualify.
You can see some basic eligibility criteria for different loan types. Plus, we’ll consider other factors like your financial history, credit score, and monthly income versus expenses.
Then, you pick a loan with a competitive interest rate.
If you’re approved, you can select from flexible terms that could lower your interest or monthly payments. All with no fees required.
Don’t forget to get a discount.
For example, you could get a 0.25% interest rate discount by enrolling in autopay.1
View your rate
Checking your rate will not affect your credit score.†
{/* FAQs */}
FAQs
Who should refinance their student loans?
Student loan refinancing is a great solution for working graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private student loans. Federal student loans do carry some special benefits, for example, public service loan forgiveness and economic hardship programs, that may not be accessible to you after you refinance. Check out this blog post that provides more information: When to Consolidate Federal and Private Loans by Refinancing. Or, call us at 855-456-SOFI (7634) for a free consultation about your particular situation.
Is it worth it to refinance student loan?
The answer to this question depends on your specific financial situation. However, student loan refinancing may be a good option if you can qualify for a lower interest rate and/or a shorter repayment period. By reducing your rate and getting a lower monthly payment term, you’ll owe less interest over the life of the loan and save money in the long run.
Can I refinance both federal and private student loans?
Yes, SoFi will consolidate all qualified education loans.
Am I a good candidate to refinance my student loans with SoFi?
SoFi aims to revolutionize financial services—ultimately improving the system for everyone. Today, we’re able to offer significant savings and flexibility to US citizens or permanent residents who have graduated from a selection of Title IV accredited university or graduate programs, are employed, have a sufficient income from other sources, or hold a job offer with a start date within 90 days, have a responsible financial history, and a strong monthly cash flow.
What is the difference between consolidating and refinancing student loans?
Student loan consolidation is when you combine multiple loans into one single loan. Student loan refinancing, on the other hand, is when you get a new loan at a new interest rate and/or a new term. You can refinance both federal and private loans. Learn more here.
What’s the difference between fixed and variable rate loans?
Fixed rate loans are loans that have an interest rate that does not change over the life of a loan, which means you pay the same amount each month. It also means you know with certainty the total interest that you’ll pay over the life of the loan. Fixed rate is a general term that can apply to different types of loans with a variety of uses, including student loans, mortgages, auto loans, and unsecured personal loans.
Variable rate loans are loans that have an interest rate that will fluctuate over time in line with prevailing interest rates. Sometimes they are also known as floating-rate loans.
Where can I find more information about student loans in general?
Deciding how to best handle your student loan refinancing can be an intimidating process. That’s why we’ve put together our Student Loan Help Center to give you guidance on existing student loan payments, refinancing, budgeting, and common terminology so you can feel more confident in your journey to becoming debt free.
How will applying impact my credit score?
To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. Learn more here.
What are the differences in refinancing federal vs. private loans?
When you refinance your federal student loans, you’ll have a new private loan, and private loans are not eligible for federal programs and benefits, but it could be a good option if your goal is to lower your monthly payments or get a lower rate. Once federal loans are refinanced into private loans, they can’t be converted back, so it’s important you consider all your options. Learn more here.
What’s the difference between an APR and an interest rate?
Your interest rate includes the interest percentage you will be charged for taking a loan out, accrued on a daily basis, and does not include any other fees. An APR is the sum of the interest rate plus extra fees and expressed as a percentage.
See all FAQs
{/* Tips and resources for student loan refinancing */}
Tips and resources for student loan refinancing.
{/* horizon */}
{/* Get help from a human */}
Get help from a human.
Ask questions and get help every step of the way from our live customer support team.
{/* SLR Rate Discount Special 375 */}
{/* https://www.sofi.com/sofi-at-work/slr-special-375/ */}
{/* Hero */}
STUDENT LOAN REFINANCING
Don’t miss this additional 0.250% rate discount.
Refinancing your student loans could save you thousands. And for a limited time, apply through this page and you can enjoy an additional 0.250% student loan rate discount2 exclusively available to you through SoFi at Work. Offer good from 8/15/25 through 11/15/25.
View your rate
✓ Checking your rate will not affect your credit score.†
{/* Why choose sofi? */}
Why choose SoFi?
Since 2011, we’ve helped over 515,000 members refinance their student loan debt. Here’s just a bit of what they enjoy:
Serious savings. Zero fees required.
You could save thousands with a lower interest rate and no fees required.
Easy online process
Your time matters. View your rate in two minutes.
Member benefits
Access SoFi Travel benefits3, our debt summary tool, rewards points to pay toward loans4, and more.
{/* Real stories from real grads */}
Real stories from real grads.
550,000+
SoFi members have refinanced their student loans
{/* How refinancing student loan works at sofi */}
How refinancing student loans works at SoFi.
First, we’ll see if you qualify.
You can see some basic eligibility criteria for different loan types. Plus, we’ll consider other factors like your financial history, credit score, and monthly income versus expenses.
Then, you pick a loan with a competitive interest rate.
If you’re approved, you can select from flexible terms that could lower your interest or monthly payments. All with no fees required.
Don’t forget to get a discount.
For example, you could get a 0.25% interest rate discount by enrolling in autopay.1
View your rate
Checking your rate will not affect your credit score.†
{/* FAQs */}
FAQs
Who should refinance their student loans?
Student loan refinancing is a great solution for working graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private student loans. Federal student loans do carry some special benefits, for example, public service loan forgiveness and economic hardship programs, that may not be accessible to you after you refinance. Check out this blog post that provides more information: When to Consolidate Federal and Private Loans by Refinancing. Or, call us at 855-456-SOFI (7634) for a free consultation about your particular situation.
Is it worth it to refinance student loan?
The answer to this question depends on your specific financial situation. However, student loan refinancing may be a good option if you can qualify for a lower interest rate and/or a shorter repayment period. By reducing your rate and getting a lower monthly payment term, you’ll owe less interest over the life of the loan and save money in the long run.
Can I refinance both federal and private student loans?
Yes, SoFi will consolidate all qualified education loans.
Am I a good candidate to refinance my student loans with SoFi?
SoFi aims to revolutionize financial services—ultimately improving the system for everyone. Today, we’re able to offer significant savings and flexibility to US citizens or permanent residents who have graduated from a selection of Title IV accredited university or graduate programs, are employed, have a sufficient income from other sources, or hold a job offer with a start date within 90 days, have a responsible financial history, and a strong monthly cash flow.
What is the difference between consolidating and refinancing student loans?
Student loan consolidation is when you combine multiple loans into one single loan. Student loan refinancing, on the other hand, is when you get a new loan at a new interest rate and/or a new term. You can refinance both federal and private loans. Learn more here.
What’s the difference between fixed and variable rate loans?
Fixed rate loans are loans that have an interest rate that does not change over the life of a loan, which means you pay the same amount each month. It also means you know with certainty the total interest that you’ll pay over the life of the loan. Fixed rate is a general term that can apply to different types of loans with a variety of uses, including student loans, mortgages, auto loans, and unsecured personal loans.
Variable rate loans are loans that have an interest rate that will fluctuate over time in line with prevailing interest rates. Sometimes they are also known as floating-rate loans.
Where can I find more information about student loans in general?
Deciding how to best handle your student loan refinancing can be an intimidating process. That’s why we’ve put together our Student Loan Help Center to give you guidance on existing student loan payments, refinancing, budgeting, and common terminology so you can feel more confident in your journey to becoming debt free.
How will applying impact my credit score?
To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. Learn more here.
What are the differences in refinancing federal vs. private loans?
When you refinance your federal student loans, you’ll have a new private loan, and private loans are not eligible for federal programs and benefits, but it could be a good option if your goal is to lower your monthly payments or get a lower rate. Once federal loans are refinanced into private loans, they can’t be converted back, so it’s important you consider all your options. Learn more here.
What’s the difference between an APR and an interest rate?
Your interest rate includes the interest percentage you will be charged for taking a loan out, accrued on a daily basis, and does not include any other fees. An APR is the sum of the interest rate plus extra fees and expressed as a percentage.
See all FAQs
{/* Tips and resources for student loan refinancing */}
Tips and resources for student loan refinancing.
{/* horizon */}
{/* Get help from a human */}
Get help from a human.
Ask questions and get help every step of the way from our live customer support team.
If you’d like to get your degree from a Christian institution, Liberty University, located in Lynchburg, Virginia, is one of the largest Christian colleges in the country. It has an undergraduate population of 52,823, and a total population of almost twice that number. Learn more about this private Evangelical school.
Total Cost of Attendance
Liberty tuition for the 2024-25 school year was $22,362. This is substantially lower than the average tuition at private institutions of $41,540 per year.
Costs for 2024-25
Expense
Cost
Tuition & Fees
$22,362
Books & Supplies
$1,581
Room & Board
$13,835
Other Expenses
$6,578
Total Cost of Attendance
$44,356
Financial Aid
When it comes to Liberty University cost, nearly all the university’s students (98%) receive one or more forms of financial aid, which can include grants, loans, and scholarships.
Generally, financial aid is monetary assistance awarded to students based on personal need or merit. Students who qualify for financial aid can use it to pay for college costs like tuition, books, and living expenses.
The federal government is the largest provider of student financial aid. However, aid can also be given by state governments, colleges and universities, private companies, and nonprofits. The different types include:
• Scholarships: These can be awarded by schools and other organizations based on students’ academic excellence, athletic achievement, community involvement, job experience, field of study, or financial need.
• Grants: Generally based on financial need, these can come from federal, state, private, and nonprofit organizations.
• Work-study: This federal program provides qualifying students with part-time employment to earn money for expenses while in school.
• Federal student loans: This is money borrowed directly from the U.S. Department of Education. It comes with fixed interest rates that are typically lower than private loans.
Colleges, universities, and state agencies use the Free Application for Federal Student Aid (FAFSA) to determine financial aid eligibility. The FAFSA can be completed online, but note that state, federal, and school deadlines may differ.
You can find other financial aid opportunities on databases such as:
While 52% of Liberty students take out federal student loans, 9% take out private loans. These private loans average $16,681.
Private loans are funded by private organizations such as banks, online lenders, credit unions, some schools, and state-based or -affiliated organizations. While federal student loans have interest rates that are regulated by Congress, private lenders follow a different set of regulations so their qualifications and interest rates can vary widely.
What’s more, private loans have variable or fixed interest rates that may be higher than federal loan interest rates, which are always fixed. Private lenders may (but don’t always) require you to make payments on your loans while you are still in school, compared to federal student loans which you don’t have to start paying back until after you graduate, leave school, or change your enrollment status to less than half-time.
Private loans don’t have a specific application window and can be applied for on an as-needed basis. However, if you think you may need to take out a private loan, it’s a good idea to submit your FAFSA first to see what federal aid you may qualify for since that generally has better rates and terms.
If you’ve missed the FAFSA deadline or you’re struggling to pay for school during the year, private loans can potentially help you make your tuition payments. Just keep in mind that you will need enough lead time for your loan to process and for your lender to send money to your school.
Liberty tuition costs for four years, including room and board, books, and other fees, total $177,424. This is much lower than the national average of $241,680 at private U.S. institutions.
The tuition, fees, and supplies at Liberty University in 2024-25 was $23,943 vs. $41,540 as the national average for private universities.
Graduate Tuition and Fees
These are the costs for graduate students at Liberty University.
Costs for 2024-25
Expense
Cost
Tuition
$8,026
Fees
$704
Total Cost of Attendance
$8,730
The Liberty University cost for graduate school, including tuition and fees, was $8,730 in 2024-25. This is far lower than the national average at a private university of $21,730.
There are many options for graduate loans that can help with these costs.
Cost per Credit Hour
The cost per credit hour for part-time Liberty University residential undergrad students is $815. The cost per credit hour for students enrolled in liberty’s online program is $455 for part-time students, while the full-time online cost is $390 per credit hour.
Campus Housing Expenses
Here are campus housing expenses for Liberty University students.
Costs for 2024-25
Student Type
On-campus
Off-campus
Room & Board
$13,835
$12,133
Other Expenses
$6,578
$7,382
Total
$20,413
$19,515
Unmarried students under age 21 are required to live on campus at Liberty University in one of seven housing options. Residence halls include traditional housing for separate genders, as well as apartment-style suites. For upperclassmen who choose to live off-campus, there are several apartments located near campus. Learn more about the options for off campus housing .
Liberty University Acceptance Rate
Here is the acceptance rate at Liberty University.
Fall 2023
Number of Applications
Number Accepted
Percentage Accepted
36,921
36,551
99%
Liberty University has an exceptionally high acceptance rate of 99%.
Admission Requirements
Liberty University has a few requirements for admission, and a few recommended options.
Required:
• High school transcript
• Essay
Recommended:
• Reference letters
• Community service
Standardized test scores currently aren’t required or considered.
Popular Majors at Liberty University
Liberty offers many undergraduate degree programs, both on campus and online. Here are the most popular majors as of the 2023-24 school year.
1. Business Administration
For students pursuing a Business Administration degree, there are several areas of focus students to choose from. These include Automotive Dealership Management, Communications, Digital Marketing & Advertising, Economics, Entrepreneurship, Human Resource Management, Leadership, Music Business, Real Estate, Strategic Marketing Management, and more.
Undergraduate degrees in 2023-24: 1,603
2. Interdisciplinary Studies
If the idea of creating your own degree program appeals to you, Liberty University’s Interdisciplinary Studies major may be a good fit. You can design your own program by selecting two or three areas of study, as well as the courses you take to reach your career goals.
Undergraduate degrees in 2023-24: 1,356
3. Psychology
Psychology majors can focus their studies on one of several areas, including Addictions & Recovery, Child Life Specialist, Christian Counseling, Developmental Psychology, Life Coaching, Military Resilience, Sport Psychology, and more.
Undergraduate degrees in 2023-24: 1,139
4. Religious Studies
Students at Liberty University can choose Religious Studies for their degree. Areas of focus include Biblical Languages, Global Studies, New Testament, Old Testament, or Theology & Apologetics.
Undergraduate degrees in 2023-24: 597
5. Criminal Justice
Criminal Justice majors get the opportunity to study Juvenile Justice, Corrections, Judicial Process, Criminal Law, Criminal Investigations, and more. They also have the chance to intern with organizations like the FBI, NCIS, and the Secret Service.
Undergraduate degrees in 2023-24: 572
6. Aeronautics
Liberty offers three tracks in its Bachelor of Science degree in Aeronautics: Commercial/Corporate, Global Studies, and Military. Students take courses including Instrument Flight, Aviation Human Factors, and Aviation Leadership.
Undergraduate degrees in 2023-24: 441
7. Elementary Education
Whether students are interested in teaching Middle School English, Math, Science, or General Education, a degree in Elementary Education will prepare them for their careers. They’ll take courses including Introduction to Education and Classroom Technologies, Teaching Reading to Diverse Learners, Behavior and Individual Differences, and Elementary School Curriculum.
Undergraduate degrees in 2023-24: 336
8. Nursing
In addition to a BSN in Nursing, Liberty also offers a dual degree (R.N. to B.S.N. to M.S.N.) and post-licensure (R.N. to B.S.N). The program gives students the opportunity to get hands-on experience with more than 600 hours of clinical training.
Undergraduate degrees in 2023-24: 291
9. Social Work
After completing courses like Social Work Professional Exploration, Ethics in Professional Helping, Human Behavior & the Social Environment, Social Work in Mental Health, and Social Work Practice with Diverse Populations, students may go on to work for adoption agencies, community organizations, churches, hospices, mental health clinics, and more.
Undergraduate degrees in 2023-24: 231
10. History
History majors will learn about Western Civilization, American History, and World History. They can also study an ancient language like Hebrew or Greek, or a modern language like Spanish or French.
Undergraduate degrees in 2023-24: 215
Graduation Rate
Here is the graduation rate for Liberty University.
• Graduation rate: 63%
Post-Graduation Median Earnings
After graduating with an undergraduate degree at Liberty University, you can expect to earn, on average, about $44,813 per year. This is below the national average of $68,516.
Bottom Line
With a strong focus on Christian values, a very high acceptance rate, and an affordable tuition, Liberty University might be the right place for you to further your education if you’re looking for a Christian college. Plus, the school’s many options for financial aid could help you pay for it.
SoFi private student loans offer competitive interest rates for qualifying borrowers, flexible repayment plans, and no origination fees.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.
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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
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Located in Baltimore, Maryland, on 140 acres, Johns Hopkins University (JHU) is widely recognized as the nation’s first research institution, and since 1876, the university has upheld its reputation for being a leader in research. According to U.S. News & World Report, the university ranks as #6 in national universities. This stellar reputation comes with a high price tag, however, with JHU being among the more expensive educations.
Total Cost of Attendance
For the 2024-25 school year, Johns Hopkins tuition was $65,230. This is more than 50% higher than the average for four-year private nonprofit institutions in the U.S., which is $41,540 per year.
Costs for 2024-25
Expense
Cost
Tuition & Fees
$65,230
Books & Supplies
$1,356
Room & Board
$20,150
Other Expenses
$2,240
Total Cost of Attendance
$88,976
Financial Aid
Two-thirds (67%) receive financial aid to help with Johns Hopkins tuition. This includes student loans, scholarships, and grants. JHU is need-blind for domestic applicants, which means your ability to pay for tuition isn’t considered as part of the application process. Anyone, as long as they meet the requirements for Johns Hopkins University admissions and are accepted, may attend.
Generally, financial aid is monetary assistance awarded to students based on personal need or merit. Students who qualify for financial aid can use it to pay for college costs like tuition, books, and living expenses.
The federal government is the largest provider of student financial aid. However, aid can also be given by state governments, colleges and universities, private companies, and nonprofits. The different types include:
• Scholarships: These can be awarded by schools and other organizations based on students’ academic excellence, athletic achievement, community involvement, job experience, field of study, or financial need.
• Grants: Generally based on financial need, these can come from federal, state, private, or nonprofit organizations.
• Work-study: This federal program provides qualifying students with part-time employment to earn money for expenses while in school.
• Federal student loans: This is money borrowed directly from the U.S. Department of Education. It comes with fixed interest rates that are typically lower than private loans.
Colleges, universities, and state agencies use the Free Application for Federal Student Aid (FAFSA) to determine financial aid eligibility. The FAFSA can be completed online, but note that state, federal, and school deadlines may differ.
You can find other financial aid opportunities on databases such as:
It’s common for students to take out either federal or private student loans. In fact, 11% take out federal loans and 3% private loans. The average private student loan is $26,339.
Private loans are funded by private organizations such as banks, online lenders, credit unions, some schools, and state-based or -affiliated organizations. While Federal student loans have interest rates that are regulated by Congress, private lenders follow a different set of regulations so their qualifications and interest rates can vary widely.
What’s more, private loans have variable or fixed interest rates that may be higher than federal loan interest rates, which are always fixed. Private lenders may (but don’t always) require you to make payments on your loans while you are still in school, compared to federal student loans which you don’t have to start paying back until after you graduate, leave school, or change your enrollment status to less than half-time.
Private loans don’t have a specific application window and can be applied for on an as-needed basis. However, if you think you may need to take out a private loan, it’s a good idea to submit your FAFSA first to see what federal aid you may qualify for since it generally has better rates and terms.
If you’ve missed the FAFSA deadline or you’re struggling to pay for school during the year, private loans can potentially help you make your tuition payments. Just keep in mind that you will need enough lead time for your loan to process and for your lender to send money to your school.
Johns Hopkins tuition, room and board, books, and fees for four years of study, based on 2022-23 pricing, would be $355,904. According to CollegeData.com, the average cost of attendance at a private college for four years is $241,680.
Here’s a closer look at the cost of tuition at Johns Hopkins University.
Costs for 2024-25
Expense
Cost
Tuition & Fees
$65,230
Books & Supplies
$1,356
Total
$66,586
In 2024-25, students paid $66,586 for tuition and books. On average, students at private universities in the U.S. paid $41,540. As you see, JHU is significantly more expensive than the typical U.S. university.
Graduate Tuition and Fees
Here’s how much it costs to attend Johns Hopkins University as a graduate student.
Costs for 2024-25
Expense
Cost
Tuition
$64,730
Fees
$0
Total Cost of Attendance
$64,730
Johns Hopkins tuition for graduate students, including fees, was $64,730 in 2024-25. This is substantially higher than the average cost of tuition for graduate school in the U.S. of $21,730 per year. There are graduate loans available to help with these costs.
Cost per Credit Hour
The information covered so far is for full-time Johns Hopkins tuition. For students who attend part-time, the rate for one credit is $2,157.
Campus Housing Expenses
Here are current housing costs for JHU.
Costs for 2024-25
Expense
Cost
Room & Board
$20,150
Other Expenses
$2,240
Total
$22,390
First-year students in the Arts and Sciences and Engineering programs are required to live on campus with one or two roommates.
For upperclassmen interested in living off campus, JHU offers 24 commercial properties and many residential property options near the Homewood campus. Learn more about off-campus housing opportunities here.
Johns Hopkins University Acceptance Rate
Here’s a look at JHU’s recent acceptance rate.
Fall 2023
Number of applications
38,926
Number accepted
2,943
Percentage accepted
7%
The university is highly selective. The Johns Hopkins acceptance rate is just 7%.
Admission Requirements
Johns Hopkins University admissions have certain requirements with your application. Here’s what’s required and what’s recommended:
Required:
• Secondary school report
• Two teacher evaluations
• Mid-year report
• Personal statement
Recommended:
• SAT or ACT scores
The deadline for Early Decision I applications is November 1, and January 2 for Early Decision II applications. Regular Decision applications are also due January 2. You can apply here .
SAT and ACT Scores
Johns Hopkins University is test-optional, though you may choose to submit your scores regardless. Here are the 25th and 75th percentile scores for reference:
Subject
25th Percentile
75th Percentile
SAT Evidence-Based Reading/Writing
750
780
SAT Math
780
800
ACT Composite
34
35
ACT English
35
36
ACT Math
33
36
Popular Majors at Johns Hopkins University
Johns Hopkins offers over 50 majors and minors and the ability for students to create their own academic adventures. Here are the most popular majors.
1. Molecular & Cellular Biology
The most popular major at Johns Hopkins is molecular and cellular biology. Students study biological principles and learn how to select controls, record observations, and draw conclusions through experiments.
Undergraduate degrees in 2023-24: 175
2. Public Health Studies
Students interested in careers in public health will learn about the history of the field, as well as basic principles of public health and disease prevention. They will also gain valuable communication and problem-solving skills.
Undergraduate degrees in 2023-24: 134
3. Computer Science
One of the most popular majors at JHU is computer science, where students learn how to solve computing problems and design computing solutions. They also learn how to communicate and work with a team. One of the most popular majors at JHU is computer science, where students learn how to solve computing problems and design computing solutions. They also learn how to communicate and work with a team.
Undergraduate degrees in 2023-24: 133
4. Neuroscience
Neuroscience students can choose from one of four areas of concentration: cellular and molecular, cognitive, computational, or systems neuroscience. Many go on to graduate school or PhD programs.
Undergraduate degrees in 2023-24: 116
5. Biomedical Engineering
Biomedical engineering students get a solid foundation in life sciences, mathematics, and engineering disciplines, as well as delve into advanced subjects in biomedical data science and computational medicine.
Undergraduate degrees in 2023-24: 108
6. Chemical & Biomolecular Engineering
Students in this program learn core chemical engineering principles as well as emerging disciplines. There are two areas of concentration to choose from: molecular and cellular bioengineering or interfaces and nanotechnology.
Undergraduate degrees in 2023-24: 80
7. Economics
Economics students learn how markets and economies operate, and they sharpen their mathematical and statistical skills to analyze economic problems. Additionally, they learn to communicate and develop arguments, both written and spoken.
Undergraduate degrees in 2023-24: 68
8. Mathematics
Math lovers will learn about the foundations of analysis, including functions and their derivatives and integrals, and the fundamentals of advanced algebra, geometry, probability, and topology.
Undergraduate degrees in 2023-24: 62
9. International Studies
Students in this program look at international political, economic, historical, and cultural questions. They are able to choose courses that enhance their own interests.
Undergraduate degrees in 2023-24: 59
10. Experimental Psychology
This degree has been a cornerstone at the school since 1883, when the first psychological laboratory in America was founded at Johns Hopkins University. This concentration gives students a strong foundation in both brain science and psychology.
Undergraduate degrees in 2023-24: 59
Use this here to find out more about the majors Johns Hopkins offers.
Graduation Rate
Johns Hopkins University has an exceedingly high graduation rate. Here is the rate for students who started their studies in 2017:
• Overall graduation rate: 95%
Post-Graduation Median Earnings
Graduates of JHU earn nearly double the average of graduates of private colleges in the U.S. At JHU, the average salary is $87,555, while the U.S. average is $68,516 per year.
Bottom Line
For students interested in research and the sciences, Johns Hopkins University offers first-rate educational opportunities, though at a premium price. Because the school is need-blind for domestic applicants, your economic background won’t be a consideration in your application.
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