Analysis
A debt load of $26,000 for earnings that peer social sciences programs in New York typically produce—around $35,772—creates a manageable but unexciting financial picture. That 0.73 debt-to-earnings ratio sits comfortably below the warning threshold of 1.0, meaning graduates from similar programs generally earn enough in their first year to justify the borrowing. However, this isn't a field known for dramatic salary growth, and the estimated figures track closely with the $36,279 national median for social sciences bachelor's degrees.
What's harder to assess is how Elmira's small program size—small enough that the Department of Education can't publish actual graduate outcomes—affects these estimates. The figures come from other New York social sciences programs, which span everything from CUNY's highly regarded offerings (where graduates earn $40,000+) to smaller liberal arts colleges. Whether Elmira's 91% admission rate and regional employment market position it closer to the stronger or weaker performers in that comparison group remains unclear.
For families comfortable with modest starting salaries and prepared for the possibility that outcomes could vary from these state-level estimates, the debt burden looks reasonable. But if maximizing early earnings matters—or if you're borrowing more than $26,000—programs with published data showing stronger outcomes would offer more certainty about return on investment.
Where Elmira College Stands
Earnings vs. debt across all social sciences bachelors's programs nationally
Compare to Similar Programs in New York
Social Sciences bachelors's programs at peer institutions in New York (25 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $37,932 | $35,772* | — | $26,000* | — | |
| $7,410 | $54,265* | — | $12,500* | 0.23 | |
| $8,379 | $40,537* | $51,171 | $19,500* | 0.48 | |
| $7,470 | $37,919* | $49,676 | —* | — | |
| $64,348 | $37,491* | $61,172 | $21,366* | 0.57 | |
| $60,438 | $35,772* | — | $20,188* | 0.56 | |
| National Median | — | $36,279* | — | $25,500* | 0.70 |
Career Paths
Occupations commonly associated with social sciences graduates
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 Elmira College, approximately 35% 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 9 similar programs in NY. Actual outcomes may vary.