Analysis
The $28,000 debt figure here sits right at Nebraska's median for this field, but the earnings trajectory tells a more complex story. Graduates of similar rehab and therapeutic professions programs nationally earn around $36,000 in their first year—a modest start that would make this debt manageable but not comfortable. What transforms the picture is where earnings head from there: by year four, this program's graduates hit nearly $69,000, almost doubling that initial salary.
That leap matters because many students in this field go on to become occupational therapy assistants, physical therapy assistants, or work in related therapeutic roles that require licensure and experience-building. The debt-to-earnings ratio of 0.78 suggests payments would consume a meaningful chunk of early paychecks, likely requiring income-driven repayment initially. But the rapid earnings growth—if it holds for this specific program's graduates—could shift the burden from "tight" to "tolerable" within a few years.
The catch is that both the first-year and fourth-year figures come from peer programs rather than College of Saint Mary's actual outcomes, so you're banking on this school's graduates following a similar pattern. Given that only two Nebraska schools offer this bachelor's program and neither has enough graduates for the DOE to report separately, you're making this decision somewhat blind. If your child is committed to therapeutic professions and has already secured admission, the debt level isn't alarming—but confirming actual job placement rates and licensure pass rates directly with the school becomes essential.
Where College of Saint Mary Stands
Earnings vs. debt across all rehabilitation and therapeutic professions bachelors's programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| College of Saint Mary | — | $68,941 | — |
| CUNY York College | $57,806 | $79,325 | +37% |
| Georgia Southern University | $28,360 | $64,203 | +126% |
| D'Youville University | $50,473 | $64,089 | +27% |
| University of New Hampshire-Main Campus | $7,725 | $63,484 | +722% |
Compare to Similar Programs Nationally
Rehabilitation and Therapeutic Professions bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
| $23,340 | $35,966* | $68,941 | $28,000 | — | |
| $12,240 | $59,937* | — | $18,500 | 0.31 | |
| $7,358 | $57,806* | $79,325 | — | — | |
| $33,560 | $50,473* | $64,089 | $26,250 | 0.52 | |
| $8,353 | $47,541* | — | $25,326 | 0.53 | |
| $9,315 | $43,684* | — | — | — | |
| National Median | — | $35,966* | — | $26,250 | 0.73 |
Career Paths
Occupations commonly associated with rehabilitation and therapeutic professions graduates
Physical Therapists
Occupational Therapists
Low Vision Therapists, Orientation and Mobility Specialists, and Vision Rehabilitation Therapists
Health Specialties Teachers, Postsecondary
Orthotists and Prosthetists
Recreational Therapists
Exercise Physiologists
Rehabilitation Counselors
Medical Appliance Technicians
Engineers, All Other
Energy Engineers, Except Wind and Solar
Mechatronics Engineers
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 Saint Mary, approximately 37% 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 national median of 57 similar programs. Actual outcomes may vary.