Median Earnings (1yr)
$31,248
5th percentile (10th in NJ)
Median Debt
$26,375
1% above national median
Debt-to-Earnings
0.84
Manageable
Sample Size
44
Adequate data

Analysis

Caldwell University's business program shows an unusual earnings trajectory that reveals both its main weakness and potential upside. Fresh graduates earn just $31,248—placing this program in the bottom 10% statewide and well below New Jersey's median of $45,197. However, by year four, earnings jump 74% to $54,278, surpassing both state and national benchmarks. This dramatic climb suggests graduates may start in entry-level positions but advance quickly, though the initial earning deficit is significant in an expensive state like New Jersey.

The debt burden of $26,375 is manageable relative to typical NJ business programs, and the strong year-four earnings bring the longer-term value proposition into better focus. Still, parents should consider whether their child can weather that first year at $31,248 in the New York metro area, where living costs are notoriously high. For comparison, nearby Rutgers campuses start graduates at nearly double Caldwell's first-year figure.

The bottom line: This program works best for students with family support who can afford a slow financial start. If your child needs to be self-sufficient immediately after graduation, the 30 higher-performing business programs across New Jersey—including much more affordable public options—deserve serious consideration. The eventual earnings are solid, but getting there requires financial runway.

Where Caldwell University Stands

Earnings vs. debt across all business administration, management and operations bachelors's programs nationally

Caldwell UniversityOther business administration, management and operations programs

Programs in the upper-left quadrant (high earnings, low debt) offer the best value. Programs in the lower-right quadrant warrant careful consideration.

Earnings Distribution

How Caldwell University graduates compare to all programs nationally

Caldwell University graduates earn $31k, placing them in the 5th percentile of all business administration, management and operations bachelors programs nationally.

Earnings Over Time

How earnings evolve from 1 year to 4 years after graduation

Earnings trajectories vary significantly. Some programs show strong early returns that plateau; others start lower but accelerate. Consider where you want to be at year 4, not just year 1.

Compare to Similar Programs in New Jersey

Business Administration, Management and Operations bachelors's programs at peer institutions in New Jersey (30 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
Caldwell University$31,248$54,278$26,3750.84
Stevens Institute of Technology$70,694$100,049$27,0000.38
Thomas Edison State University$69,147$67,245$12,5000.18
Rutgers University-New Brunswick$58,896$77,221$23,2500.39
Rutgers University-Newark$58,896$77,221$23,2500.39
Rutgers University-Camden$58,896$77,221$23,2500.39
National Median$45,703—$26,0000.57

Other Business Administration, Management and Operations Programs in New Jersey

Compare tuition, earnings, and debt across New Jersey schools

SchoolIn-State TuitionEarnings (1yr)Debt
Stevens Institute of Technology
Hoboken
$60,952$70,694$27,000
Thomas Edison State University
Trenton
$6,638$69,147$12,500
Rutgers University-New Brunswick
New Brunswick
$17,239$58,896$23,250
Rutgers University-Newark
Newark
$16,586$58,896$23,250
Rutgers University-Camden
Camden
$17,079$58,896$23,250

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 Caldwell University, approximately 46% 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.

Sample Size: Based on 44 graduates with reported earnings and 38 graduates with debt data. Small samples may not be representative.