Analysis
Chapman's mathematics bachelor's degree shows a four-year earnings figure of $58,999 that compares favorably to the state median, but the estimated first-year number—based on comparable California programs—sits at just $38,449, roughly $10,000 below the national median for math degrees. That gap matters because it suggests Chapman graduates may face a slower launch than their peers at other institutions, though the four-year rebound is encouraging. The estimated debt load of $21,750 is manageable relative to that four-year income, yielding a debt-to-earnings ratio of 0.57, but parents should recognize these figures are drawn from peer programs rather than Chapman's actual graduate outcomes.
The real question is whether Chapman's smaller, more expensive private university experience justifies potentially starting behind graduates from UC schools or Cal Poly, where math majors earn $46,000-$53,000 in their first year out. Mathematics degrees generally translate well into multiple career paths—data science, actuarial work, finance—but starting salary matters enormously for debt payoff and early career momentum. If your child is committed to Chapman for other reasons (smaller classes, campus culture, specific faculty), the math degree appears viable, but it's not a standout value compared to California's public alternatives where both earnings and debt profiles look stronger from the start.
Where Chapman University Stands
Earnings vs. debt across all mathematics bachelors's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| Chapman University | — | $58,999 | — |
| University of California-Los Angeles | $38,449 | $77,892 | +103% |
| University of California-Santa Cruz | $40,798 | $71,946 | +76% |
| University of California-Irvine | $45,924 | $70,461 | +53% |
| California Polytechnic State University-San Luis Obispo | $53,136 | $65,655 | +24% |
Compare to Similar Programs in California
Mathematics bachelors's programs at peer institutions in California (67 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $62,784 | $38,449* | $58,999 | $21,750* | — | |
| $11,075 | $53,136* | $65,655 | $16,718* | 0.31 | |
| $15,265 | $52,339* | $56,452 | $16,250* | 0.31 | |
| $62,326 | $50,712* | — | —* | — | |
| $14,850 | $46,674* | — | $20,500* | 0.44 | |
| $14,965 | $46,447* | $64,574 | $17,000* | 0.37 | |
| National Median | — | $48,772* | — | $21,500* | 0.44 |
Career Paths
Occupations commonly associated with mathematics graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Data Scientists
Business Intelligence Analysts
Clinical Data Managers
Mathematicians
Statisticians
Biostatisticians
Mathematical Science Teachers, Postsecondary
Secondary School Teachers, Except Special and Career/Technical Education
Mathematical Science Occupations, All Other
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 Chapman University, approximately 20% 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 23 similar programs in CA. Actual outcomes may vary.