Median Earnings (1yr)
$43,276
95th percentile (60th in MA)
Median Debt
$27,000
8% above national median
Debt-to-Earnings
0.62
Manageable
Sample Size
52
Adequate data

Analysis

Holy Cross biology graduates start modestly at $43,276 but see their earnings jump 56% to $67,624 by year four—strong growth that places them in the 95th percentile nationally. However, context matters: among Massachusetts biology programs, this lands squarely at the 60th percentile, meaning more than half of comparable in-state programs deliver similar or better first-year outcomes. Schools like Worcester Polytechnic Institute ($51,711) and UMass Lowell ($46,526) show stronger initial earnings, which matters when you're carrying debt.

The $27,000 debt load is reasonable—matching both state and national medians—and the debt-to-earnings ratio of 0.62 suggests graduates can manage repayment. That impressive earnings trajectory indicates Holy Cross biology majors are gaining valuable skills or credentials (likely through graduate school or professional programs) that pay off over time. The selective admissions (21% acceptance rate, 1354 SAT average) suggest strong institutional reputation may be opening doors.

For families paying a premium Holy Cross tuition, the question becomes whether that four-year earnings growth justifies a slower start compared to other Massachusetts options. If your child plans to pursue medical school, graduate work, or research positions where Holy Cross's network and reputation matter, the investment makes sense. But if they need strong immediate earnings to manage debt independently, several in-state alternatives deliver more out of the gate.

Where College of the Holy Cross Stands

Earnings vs. debt across all biology bachelors's programs nationally

College of the Holy CrossOther biology 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 College of the Holy Cross graduates compare to all programs nationally

College of the Holy Cross graduates earn $43k, placing them in the 95th percentile of all biology 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 Massachusetts

Biology bachelors's programs at peer institutions in Massachusetts (49 total in state)

SchoolEarnings (1yr)Earnings (4yr)Median DebtDebt/Earnings
College of the Holy Cross$43,276$67,624$27,0000.62
Worcester Polytechnic Institute$51,711$71,939$26,9990.52
Curry College$46,736—$27,0000.58
University of Massachusetts-Lowell$46,526$66,988$26,7470.57
Stonehill College$46,088$58,080$27,0000.59
Salem State University$45,670$59,961$27,0000.59
National Median$32,316—$25,0000.77

Other Biology Programs in Massachusetts

Compare tuition, earnings, and debt across Massachusetts schools

SchoolIn-State TuitionEarnings (1yr)Debt
Worcester Polytechnic Institute
Worcester
$59,070$51,711$26,999
Curry College
Milton
$46,220$46,736$27,000
University of Massachusetts-Lowell
Lowell
$16,570$46,526$26,747
Stonehill College
Easton
$54,500$46,088$27,000
Salem State University
Salem
$11,978$45,670$27,000

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 the Holy Cross, approximately 15% 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 52 graduates with reported earnings and 74 graduates with debt data. Small samples may not be representative.