Analysis
Based on comparable biology programs across Massachusetts, this degree appears to deliver solid early returns at a reasonable debt load. The $27,000 in median debt ranks in the 5th percentile nationally—meaning 95% of biology bachelor's programs saddle students with more debt. With estimated first-year earnings around $42,000 (the state median), graduates would be looking at a debt-to-earnings ratio of 0.64, manageable territory that suggests loan payments won't overwhelm entry-level paychecks.
The reality check: these earnings figures come from peer programs across the state, not from tracking Elms graduates specifically. While Massachusetts biology programs typically outperform the national median of $32,000 by a substantial margin, there's meaningful variation even among state schools. Top performers like Worcester Polytechnic and UMass Lowell push past $46,000 in first-year earnings, suggesting location, employer networks, and program reputation matter. Elms serves a largely regional, working-class student body (42% Pell-eligible, 88% admission rate), which may influence both graduate trajectories and the types of biology careers students pursue—lab tech roles versus research positions, for instance.
The debt advantage is real and documented for this specific institution. Whether the earnings follow the state pattern is the open question. For families weighing this program, the low debt provides crucial breathing room if career plans shift or if graduate school becomes necessary—a common path for biology majors seeking higher-paying specialized roles.
Where College of Our Lady of the Elms Stands
Earnings vs. debt across all biology bachelors's programs nationally
Compare to Similar Programs in Massachusetts
Biology bachelors's programs at peer institutions in Massachusetts (49 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $42,061 | $41,879* | — | $27,000 | — | |
| $59,070 | $51,711* | $71,939 | $26,999 | 0.52 | |
| $46,220 | $46,736* | — | $27,000 | 0.58 | |
| $16,570 | $46,526* | $66,988 | $26,747 | 0.57 | |
| $54,500 | $46,088* | $58,080 | $27,000 | 0.59 | |
| $11,978 | $45,670* | $59,961 | $27,000 | 0.59 | |
| National Median | — | $32,316* | — | $25,000 | 0.77 |
Career Paths
Occupations commonly associated with biology graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Medical Scientists, Except Epidemiologists
Biological Science Teachers, Postsecondary
Forensic Science Technicians
Secondary School Teachers, Except Special and Career/Technical Education
Biological Technicians
Agricultural Technicians
Precision Agriculture Technicians
Food Science Technicians
Biological Scientists, 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 College of Our Lady of the Elms, approximately 42% 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 34 similar programs in MA. Actual outcomes may vary.