Analysis
A debt load around $22,000 against first-year earnings that peer Massachusetts philosophy programs suggest will be near $40,000 creates a manageable 0.54 debt-to-earnings ratio—well below the concerning 1.0 threshold where loan payments become burdensome. While both figures are estimates drawn from similar programs (Massachusetts has 34 philosophy bachelor's offerings, but this specific program's graduate cohort was too small for the Department of Education to publish data), the state's philosophy graduates consistently outpace the national median of $31,652. That $9,000 premium matters when you're making loan payments.
Philosophy majors rarely pursue the discipline for lucrative career paths, but they develop analytical and communication skills that prove valuable across industries. The estimated debt here won't trap your child—monthly payments on $22,000 would run roughly $245 over ten years, manageable on a $40,000 salary. What remains uncertain is whether Bridgewater State's specific program matches the performance of its Massachusetts peers like BU and BC, which report outcomes in the same $36,000-$47,000 range.
If your child is genuinely drawn to philosophy, these estimates suggest the investment won't create financial crisis. But since we're working with peer data rather than Bridgewater's actual graduate outcomes, you'll want to ask the department directly about their graduates' paths—where they land for jobs, whether they continue to graduate school, and how the program supports career development beyond contemplating Kant.
Where Bridgewater State University Stands
Earnings vs. debt across all philosophy bachelors's programs nationally
Compare to Similar Programs in Massachusetts
Philosophy bachelors's programs at peer institutions in Massachusetts (34 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $11,389 | $40,377* | — | $21,906* | — | |
| $67,680 | $47,345* | $47,768 | $18,000* | 0.38 | |
| $65,168 | $40,377* | $47,043 | $25,750* | 0.64 | |
| $15,496 | $36,581* | $41,381 | —* | — | |
| National Median | — | $31,652* | — | $22,641* | 0.72 |
Career Paths
Occupations commonly associated with philosophy graduates
Natural Sciences Managers
Clinical Research Coordinators
Mathematicians
Mathematical Science Teachers, Postsecondary
Philosophy and Religion Teachers, Postsecondary
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Bridgewater State University, approximately 30% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 3 similar programs in MA. Actual outcomes may vary.