Analysis
Clark's philosophy program faces the fundamental challenge of all humanities degrees: typical first-year earnings around $40,000—based on what similar Massachusetts programs report—against $23,000 in estimated debt. The ratio of 0.57 suggests manageable monthly payments, but only if your child lands steady employment right away. Philosophy majors often pursue graduate school or take gap years, which can make even moderate debt feel heavier than the numbers suggest.
What matters here isn't whether philosophy is "worth it" in some abstract sense—that depends entirely on your child's goals. The question is whether Clark specifically offers enough value for this path. The school's selectivity (42% admission rate, 1339 SAT average) places it in a competitive tier, and comparable Massachusetts programs show similar earning patterns. Philosophy tends to be a credentialing degree for law school, consulting, or other professional paths where the bachelor's is just step one.
The practical takeaway: if your child is committed to philosophy and has a clear plan for what comes after—whether that's employment, graduate school, or a specific career pivot—the estimated debt load here won't derail those plans. But if they're exploring philosophy without a clear next step, they'll be carrying debt while figuring things out, which typically means years of tight budgets and delayed financial milestones.
Where Clark 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 |
|---|---|---|---|---|---|
| $55,160 | $40,377* | — | $23,000* | — | |
| $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 Clark University, approximately 21% 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.